Jose Medina Villegas is a financial advisor and partner in the Gonzalez Coto & Associates advisory practice within Merrill Private Wealth Management. He helps lead a multi-generational team of eight professionals who serve Ultra High Net Worth families. The team focuses on strategic investing, cross-border planning, and legacy building to support clients in realizing their business, professional, and personal goals. Their services include estate planning, investment management, lending, banking, and liquidity management, leveraging the resources of Bank of America and Merrill. Born in Cali, Colombia, Jose moved to the United States at age eight and brings a personal understanding of the immigrant experience. He has lived in Miami for nine years. Jose holds a Bachelor's degree from Florida International University and holds the professional designations of Certified Investment Management Analyst (CIMA) and Certified Private Wealth Advisor (CPWA). He is fluent in English, Spanish, and Portuguese. Outside of work, he is an avid sports fan and stays active through activities such as fútbol, padel, tennis, running, and walking his dog.

Elizabeth Amaya is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. Her prior roles include positions at 10X Health System, First Republic Bank, and JPMorgan Chase Bank. Merrill, along 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Angela Abrascio Ramos is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing extensive experience in financial services since 1990. She has been with Merrill Lynch since 2005 and is a member of a team providing wealth management strategies for high-net-worth families. Angela’s approach focuses on collaborating with clients to define their unique priorities across seven key areas: Family, Finances, Health, Home, Leisure, Work, and Giving. She specializes in areas including family wealth management, international wealth management, retirement planning, philanthropic planning, and values-based investing. Angela holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by The College for Financial Planning Institutes Corp. in 2015, as well as the Personal Investment Advisor (PIA) credential. She completed an Accredited Certificate Program at Instituto Adventista de Ensino and the Chase Professional Development Program in 1998. A native of Brazil, Angela is fluent in Portuguese, English, and Spanish. In addition to her professional work, Angela volunteers as a chaperone for the Girls Varsity Volleyball Team at Miami Beach Senior High School. Her personal interests include boating, dancing, music, pickleball, table tennis, traveling, volleyball, watching movies, yoga, and spending time with her family.

Camilo Gutierrez is a Private Wealth Advisor at Merrill Private Wealth Management, where he has dedicated over 26 years to advising ultra-high-net-worth families, entrepreneurs, and business owners. His career includes leadership of BBVA's International Trading Desk in Latin America, where he focused on currency transactions, fixed income, and derivatives. This professional background has shaped his expertise in global markets and wealth management. Camilo specializes in helping international families navigate complex issues such as investment strategies, estate planning, and governance decisions. His approach centers on stewardship, aiming to align financial success with family values and the aspirations of future generations. His client focus areas include college education planning, divorce transition planning, institutional consulting, services for endowments and nonprofits, employee financial health, small business strategies, sports and entertainment, tax minimization, and retirement income. He holds a Bachelor’s degree in Business Administration from the University of Hartford and a High School Diploma from Moravian Academy. Camilo is a Personal Investment Advisor (PIA) and holds Series 7 and 65 FINRA registrations. He is fluent in English and Spanish. Outside of his professional life, Camilo enjoys boating, fishing, golfing, reading, scuba diving, soccer, swimming, traveling, and spending time with his family in Coral Gables, Florida.

Juan Sanchez is a financial advisor at Merrill with 9 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2017, alongside his affiliation 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Angery is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 8 years of industry experience. He has worked at Merrill since 2017 and previously spent two years at Bank of America. Outside of his advisory role, he is a 33% owner and manager of a family-owned auto repair business, CUTLER AUTO TECH LLC. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Luis M. Posse is an International Wealth Advisor at Merrill Lynch Wealth Management with over 25 years of experience in the financial industry. He has specialized knowledge in wealth structuring and delivering financial strategies for large international families and companies. Luis began his career at Merrill Lynch Wealth Management in 2001, providing financial advice to large institutions, insurance companies, and pension funds. His institutional expertise has enabled him to cater to both international and domestic private clients. By the end of 2012, Luis advanced to the role of Senior Vice President at Merrill Lynch, becoming one of the youngest to hold this position at the firm at the time. Prior to his tenure at Merrill Lynch, he worked at Banco Liniers Sudamericano and Argencard S.A. in Buenos Aires. Luis holds a Bachelor of Science degree in Business Administration from the University of Colorado at Boulder and is a Personal Investment Advisor (PIA). He is fluent in English and Spanish. Originally from Argentina and educated in both Europe and the United States, Luis currently resides in Key Biscayne, Florida. Outside of his professional pursuits, he engages in activities such as snow skiing, golfing, and kite surfing.

Alvaro Guerra is an International Wealth Advisor with Merrill Lynch Wealth Management. With over 20 years of experience at Merrill and an additional 12 years at Lloyds Bank, he has developed expertise in executive compensation, equity compensation services, international wealth management, managing new wealth, and portfolio management services. His approach centers on connecting all aspects of a client's financial life to prioritize and pursue their most important goals. Alvaro holds a Bachelor's Degree in Civil Engineering from Universidade Federal de Minas Gerais in Brazil and completed courses in Economics for Engineers at Fundacao Dom Cabral. He also earned a Diploma in Business Administration from the University of Birmingham in the United Kingdom. Alvaro holds the Personal Investment Advisor (PIA) designation and is fluent in English and Portuguese. Outside of his professional role, Alvaro enjoys cooking, music, soccer, spending time with his family, traveling, and watching movies. His client-focused philosophy emphasizes simplicity and transparency in wealth planning to help clients manage and achieve their personal financial objectives.

Andrea Svercek is a financial advisor with Merrill in Miami, FL, holding a Series 66 credential and five years of industry experience. She has worked at Bank of America and Merrill since 2020, following a ten-year tenure at Bank of America from 2009 to 2019. Outside of her advisory role, she holds power of attorney for a private entity known as K S SEP. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Efren Mejia is a Series 66 licensed financial advisor with Merrill in Miami, FL, and has nine years of industry experience. He has worked at Merrill since 2017 and has been affiliated with Bank of America, N.A. since 2012. Outside of his advisory role, Mejia operates EJM Enterprises LLC, a boat charter business in Miami Bay where he serves as captain on weekends. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ian Yi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Oppenheimer & Co. Inc., Northwestern Mutual, and Vivint Inc., as well as academic experience at Florida International University and Newton 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 for individuals, high-net-worth clients, and institutional investors.

Victor Casado is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been in the wealth management business for more than 22 years, having joined Merrill Lynch in 2016. Prior to this, Victor spent 15 years at a full-service boutique broker/dealer firm in Coral Gables, where he held roles including Financial Advisor, Director, shareholder, Chief Investment Officer of the Asset Management Division, Sales and Trading Manager, General Securities Principal, and Head of the Fixed Income Trading Desk. Victor's expertise includes family wealth management strategies, international wealth management, legacy planning, liquidity management, portfolio management services, socially responsible and ESG investing, sports and entertainment, tax minimization, and retirement income. He emphasizes putting clients' interests first and building long-term relationships with high-net-worth individuals. He earned both a Bachelor's Degree in Business Administration (1998) and an MBA in Finance (2002) from Florida International University. Victor is a Personal Investment Advisor (PIA) and is fluent in English and Spanish. Born and raised in Venezuela, he has lived in Doral since 1995 with his wife and two children. Outside of work, he enjoys baseball, basketball, cooking, music, running, soccer, traveling, watching movies, yoga, and spending time with his family.

Andrea Fusero is an International Wealth Advisor with Merrill Lynch Wealth Management. He brings over ten years of international experience across global markets, specializing in areas such as executive compensation, family wealth management strategies, international wealth management, legacy planning, liquidity management, philanthropic planning, small business strategies, sports and entertainment, and tax minimization. His work is informed by a broad background in international business development, mergers and acquisitions, globalization strategy, innovation, product development, marketing, and international negotiation. Andrea began his career at the European Parliament before working as a strategic consultant in China for the Southeast Asia region. Following the completion of his MBA, he served as Managing Director of Pantheon Group, a corporate finance and wealth management firm in Europe. He holds a Bachelor’s and Master’s degree in Management Engineering from the Polytechnic of Milan and earned his MBA from Hult International Business School in Cambridge, Massachusetts. Andrea maintains FINRA Series 7, Series 63, and Series 65 registrations and holds the Personal Investment Advisor (PIA) designation. Fluent in English, French, Spanish, Portuguese, and Italian, he has extensive cross-cultural and cross-functional teamwork experience. Andrea is involved in community organizations including the Rotary Club and Red Cross International. Outside of work, he pursues interests such as antiquing, boating, bowling, golfing, music, skiing, soccer, surfing, tennis, and traveling.

Roberto Velez is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior work includes roles at Wells Fargo Bank and Wells Fargo Clearing. Outside of his advisory duties, he serves as Secretary for the Catalina West Homeowners Association. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Juan Jimenez Ullate is an International Wealth Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry 26 years ago as a Marketing Client Associate at the Chicago Mercantile Exchange and transitioned to a Financial Advisor role with AG Edwards & Sons, Inc. In 2004, Juan joined Banc of America Investment Services Inc., and in 2006 he became a Financial Advisor at Merrill Lynch. Juan specializes in helping clients manage their wealth and assets through sophisticated portfolio and wealth planning strategies. He focuses on developing lasting client relationships across generations of families and business owners, particularly addressing the needs of cross-border clients and those with international family or business ties. His approach emphasizes a goals-based wealth management process designed to create an excellent client experience. Originally from Zaragoza, Spain, Juan earned a Bachelor's degree in International Business from Saint Louis University in St. Louis, Missouri, and an MBA from the Keller Graduate School of Management in Chicago, Illinois. He holds FINRA Series 7 and Series 66 registrations, a Life-Variable Life/Health Insurance license, and the Accredited Asset Management Specialist (AAMS) designation. Juan resides in Miami with his wife, Laura, and their three daughters. His personal interests include visiting museums, traveling, attending art galleries, cooking, wine tasting, supporting the arts, and skiing.

Giancarlo Luna is a Series 66-registered financial advisor with Merrill in Miami, FL, where he has worked since 1994. He has 25 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies designed by internal Chief Investment Office teams and third-party managers.

Jesse Fuchs is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals, families, and business owners to develop personalized wealth management strategies that align with their unique goals and priorities. Jesse's approach encompasses various areas including investment planning, retirement strategies, wealth preservation, and legacy considerations. Jesse specializes in Corporate Executive Services, Education Planning, Family Wealth Management Strategies, International Wealth Management, Liquidity Management, Managing New Wealth, Women and Wealth, Sports & Entertainment, Individual and Corporate Investment Strategy, and Tax Minimization. He holds the Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™) certification and the Personal Investment Advisor (PIA) designation. Born and raised in Miami, Jesse earned a Bachelor of Science degree in Economics from Florida State University. Outside of his professional role, he enjoys basketball, boxing, football, golfing, music, pickleball, reading, skiing, traveling, and watching movies. Jesse values building lasting relationships and helping clients make informed decisions throughout various stages of life.

Thomas Lequerica is an International Wealth Advisor at Merrill Lynch Wealth Management. In his role, he focuses on aligning financial strategies with clients' personal life priorities and goals, such as retirement planning, education funding, and business ventures. He draws on Merrill Lynch’s investment insights and has access to Bank of America’s products and services to tailor opportunities that meet client needs. Prior to joining Merrill Lynch Wealth Management, Thomas gained experience working at Citibank NA and SunTrust Bank. He holds a Bachelor's degree in Economics and a Master of Business Administration (MBA) in Finance, both from Florida International University. Thomas also holds the Personal Investment Advisor (PIA) designation and provides services in both English and Spanish.

Pedro Montoya is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2014 and has been with Bank of America, N.A. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Luis Hermijo is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Regions Bank, and Synovus Bank. Hermijo has also worked in academic and service positions at Florida International University and Florida State University. Merrill, along 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 both model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.