Pilar Urrego is an International Wealth Advisor at Merrill Lynch Wealth Management. With over twenty years of experience in various sectors of the financial services industry including wealth management, brokerage, and banking, she employs a goals-based wealth management methodology to guide clients and families toward achieving their financial objectives. Pilar began her career at Charles Schwab, advancing through multiple sales and managerial roles in international and domestic markets, and has held positions at Bank of America, Merrill, and HSBC. She holds a Bachelor's degree in Finance and International Relations from Universidad Externado de Colombia and an MBA with an emphasis on International Business from the University of Miami. Pilar maintains several FINRA registrations including Series 7, 9-10, 24, 63, and 66, as well as Life-Variable Life/Health Insurance licenses. She is a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Originally from Colombia, Pilar has lived in Canada, Venezuela, and Puerto Rico, and is fluent in French, Spanish, and English. She currently resides in Miami with her husband and two sons. Pilar enjoys running, swimming, cycling, cooking, and participates in triathlon relay races. She also serves as a board member for C.A.S.A.

Estephanie Zamora Hansen is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. She has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Maria Garcia is an International Wealth Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2001, following her graduation from Boston University where she earned a Bachelor's degree in Economics. In 2010, Maria received her Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™. Maria works with a select group of wealthy families, guiding them through a goals-based wealth management approach. She emphasizes building personal relationships with her clients to better understand their risk tolerance and financial needs. Maria supports clients throughout market cycles, aiming to help them achieve and maintain their long-term financial objectives by utilizing Merrill's investment resources and the banking strength of Bank of America. Outside of her professional work, Maria enjoys cooking, dancing, music, reading, spending time with her family, and watching movies. She is committed to fostering relationships based on integrity, respect, and understanding with both clients and peers.

Roberto Toriz is a Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2023, he has dedicated his practice to serving international ultra-high-net-worth clients, entrepreneurs, startup founders, C-suite executives, and families across the United States. His approach centers on delivering personalized advice and bespoke guidance tailored to each client's unique priorities and goals. With over a decade of experience in the financial industry, Roberto specializes in family wealth management strategies, international wealth management, legacy planning, managing new wealth, individual and corporate investment strategy, and retirement income. He holds a Personal Investment Advisor (PIA) designation and possesses a Bachelor's Degree from Tecnologico de Monterrey and a Master in Business Administration (MBA) from Universidad Internacional de Valencia. Roberto communicates proficiently in both English and Spanish. Beyond his professional commitments, Roberto is passionate about societal and environmental issues, including poverty reduction and ocean conservation. His personal interests include cooking, golfing, ice hockey, scuba diving, soccer, spending time with his family, swimming, and tennis. Roberto's mission is to build long-lasting relationships based on trust, transparency, and respect, aiming to bring clarity and progress to the lives, families, and businesses of his clients.

Miguel Corvalan is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing over 30 years of experience in the private banking industry. He has held senior private banking roles servicing Latin American high-net-worth and ultra-high-net-worth clients at institutions including Chase Manhattan Bank, Citi Private Bank, Credit Suisse Securities (USA) LLC, Credit Suisse A.G., HSBC Private Banking, and Oppenheimer & Co. Inc. Throughout his career, Miguel has worked in various locations including Buenos Aires, Miami, Geneva, and Zurich. Miguel began his career at Prudential Securities in 1986 and has gained significant expertise in wealth management and private banking. While at Credit Suisse A.G., he was a member of the Managing Director Evaluation Committee (MDEC) and earned certification as a Wealth Management Advisor in Switzerland (CWMA) in 2015. He holds the Professional Investment Advisor (PIA) designation and earned a bachelor's degree from Universidad de Buenos Aires.

Nicholas Karpinski is a Series 66-registered financial advisor with Merrill in Miami, FL, where he has worked since 2005. He has 20 years of industry experience. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Osniel Del Castillo Companioni is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. His prior work includes roles at Sealton Corp, MCO Environmental, and Miami Dade College. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a diverse client base.