Aldo Galiani is an International Wealth Advisor based in Miami and a co-founder of the SIGMA Group. He has been with Merrill Lynch Wealth Management since 2005, overseeing wealth management strategies for ultra-high net worth families both in the United States and internationally. His areas of focus include family wealth management strategies, legacy and philanthropic planning, liquidity management, socially responsible and ESG investing, as well as tax minimization. Aldo holds the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute, which is taught in conjunction with the University of Chicago Booth School of Business. He graduated Summa Cum Laude from the University of Florida with a bachelor's degree in Finance. Aldo is fluent in English, Italian, Spanish, and Portuguese. Originally from Italy, Aldo resides in Key Biscayne with his wife and two children. In his free time, he enjoys tennis, boating, chess, skiing, and soccer.

Jaime Nino is a financial advisor at Merrill with a Series 66 designation and 21 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005 and concurrently at Bank of America since 2011. He is based in Miami, FL. 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, plans, corporations, and charitable organizations.

Reynaldo Magalhaes Soares Junior is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2017, with a brief period outside the industry from 2020 to 2023. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ricardo Gutierrez is a financial advisor with Merrill in Miami, FL, holding a Series 66 credential and bringing 23 years of industry experience. He has worked at Merrill since 2002 and at Bank of America, N.A. since 2009. Outside of his advisory role, Gutierrez serves as a board member for FCI American Friends, a nonprofit supporting children with heart disease, and acts as an international liaison for Fundacion Cardioinfantil in Colombia. Merrill serves a diverse client base including individuals, retirement plans, corporations, pension and profit-sharing plans, charities, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm’s investment approach includes multiple program strategy types and emphasizes manager selection and tax-efficient implementation, benefiting from deep integration with Bank of America affiliates.

Frank Di Rocco is a Private Wealth Advisor at Merrill Private Wealth Management. He has been with Merrill since 1981 and has extensive experience providing advice and guidance on the investment components of wealth structuring, with a focus on strategies related to concentrated stock positions, executive compensation, business-interest risk, trusts, and fiduciary structures. He collaborates closely with clients' tax planners, trust attorneys, family offices, trustees, and accountants as needed. Frank was born in Lima, Peru, and holds Bachelor's Degrees in Political Science and Economics from the University of Central Florida, where he also participated in the Master's in Applied Economics program. He holds the Certified Portfolio Manager designation from The Academy of Certified Portfolio Managers at Columbia University, as well as the Certified Private Wealth Advisor designation through the Investments & Wealth Institute at the University of Chicago Booth School. In his career, Frank was part of the team that established the Merrill Lynch Miami International Office in 1985 and served as a Discretionary Manager for Merrill Lynch International in the mid-1990s. He is fluent in Italian, Spanish, Portuguese, and English, and is conversational in French and Russian. Frank's client focus encompasses a range of areas including family wealth management strategies, international wealth management, legacy planning, tax minimization, and services for endowments, foundations, and non-profits. He follows the Merrill tradition of community participation and dedicates time to volunteering. His personal interests include boating, boxing, music, running, and soccer.

William Gardner is a Financial Advisor with Merrill Lynch Wealth Management in Miami, Florida. He began his career in financial services in 2017 and brings seven years of relevant experience to his role. William holds the Personal Investment Advisor (PIA) designation and maintains FINRA Series 66 and Series 7 registrations. He earned a Bachelor's Degree from Florida Agricultural & Mechanical University. William assists clients by developing individualized wealth management strategies that align with their personal goals and priorities. His areas of focus include college education planning, legacy planning, LGBT wealth planning, personal retirement planning, portfolio management services, women and wealth, sports and entertainment, and tax minimization. He emphasizes listening to clients and informing their decisions to create comprehensive financial plans tailored to their needs. Outside of his professional work, William engages in adventure sports, basketball, fishing, hiking, hunting, music, photography, running marathons, and spending time with his family. He values community involvement and supports volunteering and fundraising efforts for organizations such as Manhood On The Go and Young and Established.

Matias Caceres is a Financial Advisor based in Miami, affiliated with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to build and protect their financial futures through a personal and strategic approach. Matias focuses on understanding what matters most to his clients to create tailored financial strategies that address their immediate needs and long-term aspirations. His areas of expertise include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, tax minimization, and retirement income. Matias holds a Bachelor's Degree from Florida International University and has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He communicates fluently in English and Spanish. Outside of his professional work, Matias enjoys baseball, music, photography, running, traveling, and watching movies.

Reid Schultz is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His work history includes roles at Bank of America, Northwestern Mutual, and several other firms. 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.

Enrique Mackinlay is an International Wealth Advisor at Merrill Lynch Wealth Management, specializing in wealth management strategies for high-net-worth individuals and families, both domestically and internationally. He works closely with clients to understand their financial needs and develop personalized strategies tailored to their long-term goals. His expertise includes international wealth management, managing new wealth, and portfolio management services. He holds a Bachelor's Degree from Universidad Católica Argentina and has completed a non-accredited certificate program at Universidad de San Andrés. Enrique also holds the Personal Investment Advisor (PIA) designation. Fluent in both Spanish and English, he leverages his bilingual skills to serve a diverse client base. Outside of his professional role, Enrique is involved in community activities, including volunteering with the T2G organization. His personal interests include cooking, music, skiing, soccer, tennis, and traveling.

Francisco Granados is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies tailored to clients' unique financial goals. Francisco focuses on areas such as executive compensation, family wealth management, international wealth management, managing new wealth, personal retirement planning, portfolio management, sports and entertainment, tax minimization, and retirement income. He holds a Bachelor’s Degree from Boston College and the designation of Personal Investment Advisor (PIA). Francisco follows the Merrill tradition of community involvement and dedicates time to volunteering with local organizations. Outside of work, he enjoys boating, golfing, skiing, swimming, traveling, and spending time with his family.

Monica Penichet is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2004. 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 various institutional investors.

Juan Berruecos is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works with clients to understand their current financial situations and introduces them to solutions available through Merrill and Bank of America. He focuses on empowering clients with the knowledge and tools to manage their financial lives effectively. Juan holds a Bachelor's Degree from the University of Miami and has earned the Personal Investment Advisor (PIA) designation. His approach involves helping clients identify what matters to them and their families to develop strategies aimed at pursuing their financial goals.

Aspen Gitter is a Financial Advisor affiliated with Merrill Lynch Wealth Management. In this role, Aspen works closely with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. Aspen provides guidance across a range of areas including general investing, retirement planning, and saving for unforeseen expenses. Additionally, Aspen offers access to Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Aspen holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Miami. Through ongoing advice and support, Aspen assists clients in addressing their evolving financial needs.

Rodrigo Hanna serves as an International Wealth Advisor with Merrill Lynch Wealth Management. He is part of the Hanna Group, which includes over five professionals dedicated to providing customized services and advisory to families, individuals, and corporations, primarily focusing on international clients. Rodrigo has over 35 years of experience in the financial services industry, specializing in corporate executive services, family wealth management strategies, international wealth management, liquidity management, managing new wealth, and individual and corporate investment strategies. His client base mainly includes entrepreneurs and successful executives of middle and large corporations, assisting them in maintaining control over their financial lives. He has been recognized as a member of the Licari, Marques & Hanna team named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2026. He holds a master's degree from IBMEC Instituto Bras Mercado Capitais and a bachelor's degree from Pontificia Universidade Catolica MG. Additionally, he has completed non-accredited certificate programs at Yale University School of Management, the University of Pennsylvania The Wharton School, and Northwestern University Kellogg School of Management. Rodrigo speaks English, Portuguese, and Spanish, and his personal interests include biking, golfing, music, reading, soccer, and spending time with his family.

Luis Suarez is a financial advisor at Merrill with one year of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Merrill and Bank of America, he worked at Amerant Investments, Inc. for two years and has a background that includes legal studies at the Catholic University of America, Columbus School of Law. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm uses model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations.

Rafael Jarosi De Araujo is a financial advisor at Merrill with nine years of industry experience. He has been with Merrill since 2017 and previously worked at Brasília Grill for one year. He holds the Series 63 and Series 66 designations and is based in Miami, FL. 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 a combination of model-based and discretionary investment strategies.

Lucilo Palacio is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Citigroup for 11 years before joining Merrill in 2024. Outside of his advisory role, he serves as President of the Board and Trustee at the Perez Art Museum Miami and participates as an investment committee member for Nicklaus Children's Hospital System. 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 to individuals, high-net-worth clients, and institutional investors.

Juan Carlos Marino is a Financial Advisor with the GTZ Group at Merrill Lynch Wealth Management. He joined the team in 2019 and currently serves as a team financial advisor. Juan Carlos holds Series 7 and 66 FINRA registrations and is fluent in both English and Spanish. Juan Carlos graduated from the University of Arizona, Eller College of Management, with a bachelor's degree in finance. He also holds the Personal Investment Advisor (PIA) designation. His expertise includes family wealth management strategies, international wealth management, portfolio management services, individual and corporate investment strategy, and retirement income planning. He works with both international and domestic high to ultra-high net worth individuals, their families, and businesses, emphasizing a collaborative approach to develop customized financial strategies based on clients’ goals and priorities. Outside of his professional role, Juan Carlos has an interest in football, traveling, and spending time with his family.

Alejandro Villegas is a Private Wealth Advisor at Merrill Private Wealth Management. He joined Merrill in 2011 with a focus on building long-term relationships with Ultra High Net Worth clients to understand and address their individual financial goals. Alejandro’s expertise includes family wealth management strategies, international wealth management, legacy planning, and liquidity management. Before joining Merrill, Alejandro served as Vice-President of Business Development at Helm Bank USA, where he concentrated on the regional and LATAM markets. He holds Series 7 and 66 FINRA registrations, as well as life and variable annuity licenses, and has earned the Personal Investment Advisor (PIA) designation. Alejandro graduated with a Bachelor's Degree in Business from Universidad de la Sabana in Bogota, Colombia, and later obtained a Master’s Degree from INALDE. Fluent in Spanish and English, Alejandro’s personal interests include biking, cooking, fishing, golfing, horseback riding, and spending time with his family.

Johanna Gianni is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has been with Merrill since 2018, previously working at SGG Group from 2016 to 2018. 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.