Joseph Bowden is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management, one of the world's top wealth management firms. He focuses on a planning and process-driven approach to advisory services, aiming to meet the diverse financial needs of individuals and companies through a single relationship. Joseph emphasizes personalized financial strategies designed to help clients pursue their long-term goals by addressing key considerations such as risk tolerance, tax optimization, lending options, and institutional retirement plan services. With over 15 years of experience in investment and lending, Joseph has concentrated on commercial loans through Bank of America, including both recourse and non-recourse lending. He collaborates with the Private Bank's Institutional Investments & Philanthropic Solutions group to provide tailored advice to endowments and 501(c)(3) charities. His expertise is further demonstrated by his multiple professional designations, including Certified Exit Planning Advisor (CEPA®), Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™). Additionally, he was named to the 2024 Forbes "Best-in-State Wealth Advisors" list. Joseph holds a Bachelor's Degree from Weber State University and a Master's Degree from Florida International University. He is involved in professional organizations such as The Church of Jesus Christ of Latter-Day Saints and participates in community activities including the Boy Scouts of America. His personal interests include boating, chess, hiking, music, racquetball, running, skiing, soccer, spending time with family, and watching movies.

Ilana Torres Souza Cotrim is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked with firms including Bank of America, XP Advisors Inc, and EFG Capital Advisors Inc. Her current tenure at Merrill began in 2018. 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 supported by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas De Marffy Mantuano is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1999. He serves a select group of clients, including individuals and corporations, providing expertise in areas such as investments, estate planning strategies, retirement forecasting and planning, credit and lending through Bank of America, N.A., and tailored financial strategies. Thomas focuses on creating customized financial plans that reflect the unique complexities of clients' lives and help them move toward their envisioned futures. Thomas holds a Bachelor of Arts degree in Religion and Philosophy from St. Olaf College and a high school diploma from Minnehaha Academy in Minneapolis, MN. He has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas include college education planning, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, women and wealth, individual and corporate investment strategy, and retirement income. Active in his community, Thomas volunteers with organizations such as Habitat for Humanity, SWWS Booster President, and Wishes and More. He lives in Minneapolis with his wife Sara, their three children—Owen, Gabe, and Wren—and their dog, Mylo.

Carolina Rodriguez is an International Wealth Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2011. With over 20 years of experience in the wealth management industry, Carolina has developed expertise in managing portfolios and structuring customized financial solutions for high-net-worth families and business owners. She employs a Goals-Based Wealth Management approach, tailoring strategies to her clients’ risk tolerance, investment goals, time horizon, and liquidity needs. Prior to joining Merrill Lynch, Carolina worked at BNP Paribas Miami for seven years and at Banque Sudameris Miami and Banco Sudameris Colombia for a combined nine years. Her career began as a trader and treasurer at a bank, roles that provided her with valuable exposure to institutional, multinational corporate, and ultra-high-net-worth client relationships and portfolio management. Carolina leverages the resources of both Merrill Lynch and Bank of America, including specialized teams, to address wealth preservation, estate planning, trusts, insurance, philanthropy, and tax efficiency for both international and domestic clients. Carolina holds a bachelor’s degree in Industrial Engineering from Universidad Javeriana in Colombia and a master’s degree in Economics from Universidad de Los Andes in Colombia. She also holds Series 7, 63, and 65 FINRA registrations and the designation of Personal Investment Advisor (PIA). Outside of her professional work, Carolina is interested in chess, painting, traveling, and yoga.

Andre Mendes is a Private Wealth Advisor at Merrill Private Wealth Management. He co-founded the Mendes Silva Group and has been with Merrill since 2009. Mr. Mendes began his career in the financial industry in 1994, initially working as a management associate in Treasury and Capital Markets at Citibank, where he held roles in the interbank and institutional foreign investor areas. He later took on responsibilities in product development at Citi Private Bank and served as an advisor to ultra-high net worth families. Mr. Mendes holds a Bachelor's degree in Economics from the Federal University of Minas Gerais (UFMG) in Brazil and a Master's degree in Finance from IBMEC. He also holds the Personal Investment Advisor (PIA) designation. His client focus areas include family wealth management strategies, international wealth management, liquidity management, and managing new wealth. Outside of his professional work, Andre Mendes has interests in hiking, horseback riding, skiing, and soccer. He communicates in English, Portuguese, and Spanish.

Camilo Mejia is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in serving high net worth families and individuals. With over 22 years of experience in the financial services industry, Camilo provides comprehensive financial advice and guidance focused on family wealth management strategies, liquidity management, and portfolio management services. He partners with a team of specialists to assist clients in all aspects of their financial lives, often supporting long-term goals related to entrepreneurial projects. Camilo's career encompasses expertise in portfolio investments, financing structures, and economic development strategies, particularly in agriculture and foreign trade. He has held roles at prominent institutions including Lloyds TSB Bank, Banco Santander, and Merrill. A graduate of EAFIT University in Colombia with a degree in Business Administration, Camilo also completed the Executive Banking Program at the London School of Economics in conjunction with the Institute of Market Studies of Madrid, and the SMART program on Securities, Markets, and Regulation Training developed by the University of Miami and Banco Santander. He holds the Personal Investment Advisor (PIA) designation and is fluent in English and Spanish. Residing in Miami, Camilo is committed to building and maintaining strong client relationships and prioritizes attentive, tailored service. Outside of his professional role, he enjoys golfing, reading, soccer, volleyball, and watching movies.

Marc Freitag is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include working at Singer Xenos Schechter Sosler Wealth Management before joining Bank of America and Merrill in 2016. Freitag is also a general partner and managing member of ANMF1 LLC, a limited liability company involved in residential real estate investing. 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.

Sarif La Torre Euscatigue is a Financial Advisor at Merrill Lynch Wealth Management, focusing on empowering first-generation immigrants and entrepreneurs to achieve financial stability and success. He works closely with successful individuals, entrepreneurs, business owners, and C-suite executives across Florida, providing personalized strategies for building wealth, managing investments, retirement planning, and asset preservation. Sarif serves as a financial quarterback, integrating the firm's global capabilities to help clients pursue their financial goals efficiently. Born and raised in Peru, Sarif earned a Bachelor's Degree in Hospitality Management from Universidad De San Martin De Porres. After moving to Miami, he completed a Bachelor's Degree in Finance at Florida International University. His professional certifications include the Chartered Retirement Planning Counselor (CRPC) designation, Personal Investment Advisor (PIA), and relevant FINRA registrations (Series 7 and 66). He also holds the Florida 2-15 Life, Health, and Variable Annuity License. Sarif values maintaining a balanced lifestyle and engages in various physical activities such as yoga, Pilates, high-intensity training, and running, which serves as a source of balance and decompression. He is bilingual in English and Spanish and applies his multicultural background to his approach in financial advising.

Carmen Richards is an International Wealth Advisor at Merrill Lynch Wealth Management, bringing over 24 years of experience in the financial industry. She began her career in 1994 and previously served as Managing Director for Citibank Mexico, where she was involved in the Due Diligence team for the Casa de bolsa Abaco acquisition and oversaw affluent and ultra-high-net-worth client segments nationwide. Since joining Merrill Lynch Wealth Management in 1999, Carmen has focused on providing comprehensive wealth management strategies tailored to diverse clients, including international families, entrepreneurs, and women investors. Her expertise encompasses college education planning, family and international wealth management, legacy and philanthropic planning, socially responsible and ESG investing, LGBT wealth planning, and supporting women and athletes in sports and entertainment. Carmen is bilingual in English and Spanish and is recognized for her culturally sensitive approach to financial guidance. She holds a Bachelor's degree in Robotics and Computer Science from Universidad La Salle in Mexico City and an MBA from IPADE, certified by Harvard Business School. Carmen also holds the Professional Investment Advisor (PIA) designation. Beyond her professional work, Carmen participates in various community and cultural organizations, including serving as a board member and President of the Women’s Committee of the US-MX Chamber of Commerce Inter-American Chapter. She is involved with institutions such as Locust Projects, Rubell Museum, The Bass Museum, Global Empowerment Mission, the Mexican Consulate of Miami, and St. Jude Hospital. Carmen’s personal interests include adventure sports, biking, cooking, dancing, music, traveling, and yoga.

Ricardo Waidele Undurraga is a Private Wealth Manager with Merrill Private Wealth Management. In his current role, he focuses on managing private wealth for clients within the firm. Further information regarding his experience, areas of expertise, education, credentials, or personal interests was not provided.

Natalie Ysona is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Merrill since 2012, including roles at Bank of America. Outside of her advisory work, she is the founder of Tenantfied, a startup developing a tenant review platform aimed at increasing transparency in the rental market. 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, institutions, and nonprofit organizations.

John Alvarez is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with individuals, families, and business owners to develop customized financial strategies tailored to their goals and priorities. He provides guidance on investment management, retirement planning, education funding, legacy planning, and small business strategies, focusing on attentive, relationship-driven service. John is fluent in both English and Spanish. John began his career at Bank of America in 2014 as a teller and progressed through various roles while earning his bachelor's degree from Barry University and obtaining his FINRA securities registrations. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Inspired by his own family's experiences with financial challenges, John is committed to helping clients create clear roadmaps for their future financial goals. Outside of work, he is a father who enjoys horseback riding with his daughter and supports her participation in equestrian competitions. He also spends his leisure time boxing, playing basketball, chess, soccer, listening to music, traveling, and spending time with family and friends.

David Dye is a financial advisor at Merrill in Miami, FL, with 14 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch since 2012. 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 and profit-sharing plans, corporations, and charitable organizations.

Ana Schaja is a Series 66-licensed financial advisor with Merrill in Miami, FL, where she has worked since 2017. She has nine years of industry experience, including two years at the University of Florida prior to joining Merrill. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Miguel Ramirez Velasquez is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their priorities and develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. He provides guidance on a range of areas including general investing, retirement planning, and saving for unexpected expenses, while also facilitating access to Bank of America specialists for banking, credit, home financing, and small business solutions. Miguel holds several professional designations, including Accredited Asset Management Specialist (AAMS), Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned an Associate's Degree from Miami Dade College after completing his High School Diploma at G Holmes Braddock Sr High. He communicates fluently in English and Spanish.

Matheus Ale is an International Wealth Advisor at Merrill Lynch Wealth Management, where he serves high-net-worth individuals and families both in the United States and internationally. He originally joined Sigma Group in 2014 and provides clients with access to Merrill's investment insights and the banking services of Bank of America, N.A. Matheus's client focus areas include Family Wealth Management Strategies, International Wealth Management, LGBT Wealth Planning, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Socially Responsible and ESG Investing, Women and Wealth, and Sports & Entertainment. Matheus holds the Certified Investment Management Analyst (CIMA®) designation awarded by the Investments & Wealth Institute in conjunction with the Yale School of Management. He is also a qualified Senior Portfolio Advisor and holds Series 7 and 66 FINRA registrations. He graduated from the University of Miami with a Bachelor's Degree, receiving a Presidential Academic Scholarship. Matheus is fluent in English, Portuguese, and Spanish. He is originally from Manaus, Brazil, and currently resides in Brickell. Outside of his professional work, Matheus enjoys spending time with his family and participating in soccer, football, and tennis. He has been recognized by Forbes | Shook® as a "Best-in-State Next-Gen Wealth Advisor" in 2025 and 2026 and as a member of the SIGMA Group team's "Best-in-State Wealth Management Teams" list in 2023 through 2026.

Abraham Capote is a financial advisor at Merrill in Miami, FL, holding a Series 66 designation with two years of industry experience. He 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeremy Arian is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he began his career in 2017. He focuses on developing tailored financial strategies to help a select group of high-net-worth individuals and families pursue their short- and long-term goals. Jeremy leverages investment insights from Merrill and access to banking services through Bank of America, working closely with clients' other trusted advisors in a collaborative and consultative manner. His expertise includes corporate executive services, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management, tax minimization, and retirement income. Additionally, he works with businesses of various sizes, specializing in benefits packages such as deferred compensation, equity compensation, 401(k), 403(b), and pension plans, as well as assisting businesses in accessing liquidity through lending products. Jeremy graduated Magna Cum Laude from Florida International University's Landon Undergraduate School of Business with dual majors in Finance and International Business. He holds professional designations including Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Born and raised in Miami, Florida, Jeremy is of Argentinian descent and is fluent in both English and Spanish. Outside of his professional work, Jeremy is involved in his local community and volunteers with charitable organizations such as Feeding America and Habitat for Humanity. His personal interests include biking, cooking, hiking, photography, reading, spending time with his family, and watching movies.

Julian Lopera is a Wealth Management Advisor with Merrill Lynch Wealth Management and Bank of America, bringing over 14 years of experience in the financial services industry. Throughout his career, he has worked with a diverse range of clients, particularly high net worth families, to address their complex financial needs and develop customized financial strategies. His expertise spans business banking, investment management, and access to a wide array of financial services including banking, credit, and lending through Bank of America, N.A. As a Senior Portfolio Advisor, Julian manages custom investment strategies on a discretionary basis, selecting from Merrill model portfolios and third-party investment options. His investment approach emphasizes wealth preservation and consistent growth, with the goal of intergenerational wealth transfer. Julian's strategies may include equities, fixed income, alternative investments, options, and ETFs. He is a Certified Private Wealth Advisor (CPWA) and a Personal Investment Advisor (PIA), holding Series 7 and 66 FINRA registrations. Julian earned a Bachelor of Science degree from the University of Florida. He is fluent in Spanish, proficient in Portuguese, and actively involved in his community through volunteer work with Big Brothers Big Sisters of Greater Miami. Residing in the Brickell area of Miami, Julian enjoys traveling and competing in triathlons during his free time.

Amanda Murphy is a financial advisor at Merrill with 16 years of industry experience, holding Series 63 and Series 65 credentials. She previously worked at JPMorgan Chase Bank and JPMorgan Securities LLC for 16 years before joining Merrill. Outside of her advisory role, she serves on several nonprofit boards including the Miami City Ballet Development Committee, the Foundation for New Education Initiatives, Harid Conservatory, and the Miami-Dade County Public Schools Foundation. 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 designed for individuals, high-net-worth clients, corporations, and charitable organizations.