Michelle Herrera Norori is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2007 and Bank of America since 2018. Outside of her advisory role, she owns and writes for a travel blog called Mind Over Maps. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Lucas Gregori is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at firms including Citigroup and XP Investments LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Dylan Santalo is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 license and has worked at Merrill and Bank of America since 2019. Outside of his advisory role, he serves as the President of the Pastel Foundation Inc., a nonprofit supporting the LGBTQ+ community through educational and professional development programs, and he is a managing member of Flor de Vida LLC, a floral arrangement business. 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 institutions.

Ruy De Barros Maciel is an International Wealth Advisor at Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that focus on international wealth management, liquidity management, and portfolio management services. He collaborates closely with clients to develop financial plans aligned with their long-term goals and priorities. Ruy holds a Bachelor's Degree from Universidade Mackenzie and holds the designation of Personal Investment Advisor (PIA). He practices a professional philosophy centered on collaboration as the foundation for successful investing, emphasizing a two-way learning approach between client aspirations and portfolio management. Fluent in English, Portuguese, and Spanish, Ruy maintains a commitment to community involvement through volunteering. His personal interests include biking, cooking, golfing, running, scuba diving, and traveling.

William Phillips Jr. is a financial advisor at Merrill with 12 years of industry experience. He has been with Merrill since 2017 and previously worked at Amalgamated Bank from 2015 to 2017. He holds Series 63 and Series 66 registrations. 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.

Douglas Schwartz is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is a qualified Portfolio Manager who provides advice and guidance to clients, building and managing personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Douglas serves clients through the firm's Investment Advisory Program, where he manages strategies on a discretionary basis. Douglas began his financial advisory career with Lehman Brothers in 2002 before joining Banc of America Investment Services in 2006. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Alternative Investment Analyst® (CAIA®), and Certified Plan Fiduciary Advisor® (CPFA), and has passed the Bar Exams of Ohio and Florida, along with Federal Bar Exams in the Middle and Southern Districts of Florida. His academic background includes a Master of Business Administration from Cornell University's Johnson School, a Juris Doctor from Tulane University School of Law, and a Bachelor of Arts from Earlham College. Douglas resides in Miami Beach with his wife and two sons. He has personal interests in reading, running, and spending time with his family.

Carlos Sanchez Azcarate is a Private Wealth Advisor with Merrill Private Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), which supports his role in providing tailored financial guidance to clients. Carlos earned a Bachelor’s Degree from Instituto Tecnologico Autonomo de Mexico and completed a Master of Business Administration (MBA) at Instituto Panamericano de Alta Direccion de Empresa. His educational background underpins his expertise in wealth management and investment advisory services.

Patricia Cabrera is an International Wealth Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. She specializes in domestic and international wealth management, providing personalized financial strategies tailored to her clients' unique goals and risk profiles. Patricia's expertise encompasses areas such as college education planning, family wealth management, legacy planning, and socially responsible investing. Originally from Chicago, Illinois, Patricia pursued part of her education in Santo Domingo, Dominican Republic, before obtaining a Bachelor's Degree in Economics from Florida International University. She holds several securities and commodities trading licenses and advanced certifications in supervisory roles, compliance, and anti-money laundering. Throughout her career, she has held senior management positions and has chaired the Latin American Network, contributing to leadership and development initiatives within the financial services industry. Beyond her professional commitments, Patricia is involved in community service as a Certified Guardian ad Litem for the state of Florida and through her participation in organizations such as His House Children's Home and the Key Biscayne Music Festival. She resides in Key Biscayne, Florida, where she enjoys road biking, kayaking, traveling, and spending time with her family.

Luis Medellin is a Private Wealth Advisor with Merrill Private Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Luis earned his Bachelor's Degree from Instituto Tecnologico Autonomo de Mexico. His role involves providing personalized wealth management and investment advisory services to clients.

Gregory Gardner is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked at Merrill since 1979 and has also been affiliated with Bank of America, N.A. since 2009. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Alejandra Marulanda is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and seven years of industry experience. She has been with Merrill Lynch Bank of America Corporation 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 and profit-sharing plans, corporations, and charitable organizations.

Evita Francuz is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and previously worked at Apollo Bank before joining Merrill and Bank of America N.A. in 2018. Outside of her advisory role, she is involved in real estate activities in Georgia, serving as a general partner and managing member in several entities focused on single-family rental properties. 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.

Joanna Sims is an International Wealth Advisor at Merrill Lynch Wealth Management, where she has worked since 2005. With over 25 years of experience in the wealth management industry, Joanna works closely with both domestic and international clients. She focuses on developing new and existing client relationships by providing advice and guidance on wealth management and estate planning services, as well as access to insurance, banking, and lending services through Bank of America, N.A. Joanna earned a bachelor's degree in finance from the University of Florida and holds an MBA with a specialization in international finance from Florida International University. She carries the Personal Investment Advisor (PIA) designation and is proficient in Spanish, French, and English. Her client focus areas include college education planning, family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. In addition to her professional responsibilities, Joanna is involved with community organizations such as Camillus House, Lotus House Women's Shelter, and Women's Exchange-Miami. Her personal interests include cooking, dancing, hiking, music, photography, scuba diving, swimming, traveling, and yoga.

Rodrigo E. Gonzalez is a Managing Director and International Wealth Advisor at Merrill Lynch Wealth Management. He leads Gonzalez Wealth Management Associates, a team recognized by Forbes as one of the Best-in-State Wealth Management Teams in 2024, 2025, and 2026. Rodrigo's role involves guiding individuals, families, and business owners through tailored financial strategies, with a focus on investment management, retirement income planning, estate and legacy strategies, and multigenerational guidance for clients in the U.S. and internationally. With over a decade of experience in wealth management, Rodrigo began his career at CBG Financial Group in Boca Raton, Florida, before working as an Associate at Morgan Stanley in Miami. He holds a Bachelor's degree in Business Administration from Suffolk University and a Master's degree in Finance from Florida International University. Rodrigo has earned several professional designations, including Certified Investment Management Analyst® (CIMA®) granted by the Investments & Wealth Institute® in conjunction with Yale University, Accredited Wealth Management Advisor™ (AWMA®), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA®) from The College for Financial Planning Institutes Corp., as well as Series 7 and Series 66 FINRA registrations and the 2-15 Life and Health Insurance License. Outside of his professional endeavors, Rodrigo enjoys spending time with his wife and daughters and engaging in activities such as golf, tennis, and padel. He is bilingual, speaking English and Spanish, and is involved with organizations including Friends of Kids with Cancer and Fundana International Corp.

Ana Cristina Blandon Estrada is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 licenses. She has over a decade of experience in the industry, including roles at Morgan Stanley and Scotia Wealth Management. Since 2020, she has also been involved with ACBE Ventures. 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, and institutions.

Luz Rivas is a financial advisor at Merrill with 32 years of industry experience. She has been with Merrill since 1985 and holds the Series 66 designation. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Paulo Ruiz Leite is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, N.A., the Prefeitura Municipal de Umuarama, and the Tribunal de Justiça do Estado do Paraná. 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.

Andres De Corral is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and over 40 years of industry experience. He has been with Merrill since 1985. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jared Finkelstein is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2007 and joined Merrill Lynch in 2014. Jared focuses on developing tailored wealth management strategies designed to help affluent individuals move closer toward their financial goals. Jared holds a Bachelor's degree in Accounting from Rutgers University and received a Certificate in Financial Planning from New York University. He is a CERTIFIED FINANCIAL PLANNER (CFP) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Jared is also recognized as a Personal Investment Advisor (PIA) and holds a designation in Sports & Entertainment (SE). He resides in Miami, FL, and is involved with the Alzheimer’s Foundation of America.

Gabriel Baptista is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at Interactive Brokers LLC, Banco do Brasil Americas, and Samsung SDS America, Inc. His professional background also includes roles at Florida International University and 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.