Matias Beyhaut Terra serves as an International Wealth Advisor and Managing Director at Merrill Lynch Wealth Management. He has more than 20 years of experience working with international and domestic clients. He is a Certified Investment Management Analyst® designee, a certification awarded by the Investments & Wealth Institute™ in conjunction with the Wharton School, University of Pennsylvania. Matias's areas of focus include International Wealth Management, Liquidity Management, and Individual and Corporate Investment Strategy. He holds a Bachelor's degree in Business Administration from Universidad de Montevideo. He is also a Personal Investment Advisor (PIA). Outside of his professional work, Matias enjoys adventure sports, boating, cooking, fishing, football, golfing, soccer, tennis, and spending time with his family. He and his wife have one son.

Carlos Marranzini is an International Wealth Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2011 and joined Merrill Lynch Wealth Management in 2017 after a career in international banking. Carlos holds a Bachelor's degree in Finance from Bentley College. Carlos focuses on developing financial strategies and advice for individuals, their families, and businesses by understanding their short- and long-term financial objectives. He combines access to Merrill's investment insights with the banking services provided by Bank of America to address various aspects of clients' financial lives. His areas of expertise include college education planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. He holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. In addition to English, Carlos is proficient in Spanish and Italian.

Liliana Mejia is an International Wealth Advisor with Merrill Lynch Wealth Management. She holds the professional designation of Personal Investment Advisor (PIA). Liliana Mejia completed her high school education at Liceo Javiera Londono and earned an Associate's Degree from Miami Dade College.

Bryan Lerner is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides clients with customized financial strategies that integrate the resources of a leading global wealth management firm with a personalized service approach. Bryan focuses on delivering quality client service by developing a comprehensive understanding of each client's financial needs, goals, and risk perspectives to create tailored wealth management plans. His areas of expertise include college education planning, family wealth management strategies, international wealth management, tax minimization, and retirement income. Bryan works closely with individuals, families, and small businesses, assuming responsibility for their strategic financial planning and ongoing service. He communicates with clients in both English and Spanish. Bryan holds a Bachelor of Arts degree in Psychology from the University of North Carolina at Chapel Hill and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, Bryan enjoys basketball, fishing, scuba diving, swimming, tennis, and spending time with his family. He is also actively involved in community volunteering, reflecting the tradition of Merrill’s engagement with the communities it serves.

U Wen serves as an International Wealth Advisor at Merrill Lynch Wealth Management. In this role, Wen provides wealth management services to clients with a focus on international financial matters. Wen holds the professional designation of Personal Investment Advisor (PIA). Their educational background includes a Bachelor's Degree from Universidade Politecnica de Sao Paulo and a Master of Business Administration (MBA) from New York University.

Valeria Mondino is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and three years of industry experience. She has worked at Merrill since 2019 and has prior experience in the produce and retail sectors, including roles at Tropical Fruit Box, WP Produce, Sushi Sake Killian, MyRoots Juicebar, and Maurice's Jewelers II. 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 and profit-sharing plans, corporations, and charitable organizations.

Alfredo Perez Jr. is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and over 30 years of industry experience. He has been with Merrill since 1986. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Jacob Simmons is a Financial Advisor at Merrill Lynch Wealth Management. He works with business owners and career professionals to support their financial success and long-term security. His expertise includes family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Jacob's approach centers on understanding what matters most to his clients, enabling him to provide personalized financial strategies in wealth building, investment management, future planning, and asset preservation. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jacob earned a Bachelor's Degree from Arizona State University. Outside of his professional work, Jacob has interests in chess, golfing, and reading. He communicates with clients in both English and Spanish.

Christian Jarrin Cabrera is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping clients develop personalized wealth management strategies that align with their unique financial goals. Leveraging the investment resources of Merrill and the banking services of Bank of America, he aims to provide flexible and comprehensive financial solutions tailored to today's dynamic market conditions. With 25 years of experience in the financial industry, Christian has developed expertise in family financial planning, balancing risk and return, local market regulations, cross-border trading, and tax legislation. This extensive knowledge enables him to support clients in designing, constructing, and implementing effective financial plans. He holds the Personal Investment Advisor (PIA) designation. Christian earned both his bachelor's and master's degrees from Universidad de Los Andes. He communicates fluently in English, French, and Spanish. In addition to his professional work, he is committed to community involvement and volunteers with various local organizations.

Priya Sadarangani is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Merrill Lynch Pierce Fenner Smith, Inc. since 2022, following prior roles at Bofa Securities and Merrill. She serves as a board member for nonprofit organizations supporting public libraries in Chicago and Miami. 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.

Erwin Bisogno Mendez is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he works directly with clients to understand their financial situations and introduce them to available solutions through Merrill and Bank of America. He aims to help clients take control of their financial lives by providing knowledge and tools suited to their current needs. His expertise involves assisting clients in making clear, informed decisions regarding their finances. Erwin focuses on building long-term strategies aligned with clients' goals, whether those goals involve growing, preserving, or transitioning wealth. He emphasizes structure and accountability in the financial decision-making process. Erwin holds a Bachelor's Degree from the Oklahoma State University System. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His personal philosophy is centered on helping clients uncover what matters to them and their families to create strategies that pursue their financial goals.

Livia Silva is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill since 2014 and also has experience at Bank of America, N.A. Silva is listed as a secretary of Shippingtons Inc., a freight forwarding business, a role connected to her husband's company. 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.

Christopher Yoda is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America, N.A. since 2018 and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2012. 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.

Fernando Nicolau is a Private Wealth Advisor at Merrill Private Wealth Management, specializing in serving the ultra-high net worth international market. He joined Merrill in 2017 as a Senior Financial Advisor. Fernando began his career at Citigroup, where he worked for over a decade in various locations including São Paulo, New York, and Miami. He subsequently held the position of Executive Director in Private Banking at JP Morgan. Fernando has completed the Wealth Management Continuing Professional Education program at New York University and holds the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree from Pontificia Universidade Catolica.

Tamea Bowman Seay is a financial advisor with Merrill Lynch Wealth Management, serving clients from her South Florida office across 14 states. She specializes in working with professionals, business owners, and high-net-worth individuals who are navigating major financial transitions such as retirement preparation, business succession, and managing complex income structures. Her approach centers on goals-based wealth management, focusing on clients' values, priorities, and long-term objectives rather than the fluctuations of short-term markets. With nearly a decade of experience spanning tax, financial analysis, investment planning, and lending, Tamea brings a comprehensive understanding of both assets and liabilities to her practice. She holds the Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA) designations, reflecting her specialized training in retirement planning and working with complex, high-net-worth portfolios. Tamea holds a Bachelor's degree from Florida Agricultural & Mechanical University. Beyond her professional work, Tamea is involved in community organizations including Big Brothers Big Sisters of America and Kids In Distress, Inc. (KID) Florida. She is affiliated with several professional and social organizations such as Alpha Kappa Alpha Sorority, Incorporated - Zeta Rho Omega, The Association of Junior Leagues International, Incorporated - Fort Lauderdale, and The Links, Incorporated - Fort Lauderdale. Her personal interests include cooking, music, photography, reading, scrapbooking, sewing, spending time with family, traveling, watching movies, and writing.

Ricardo Enrique Gonzalez Bello is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. He has been with Merrill since 2017. 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.

Caio Simoes is an International Wealth Advisor at Merrill Lynch Wealth Management. He began his career at Merrill in 1996 and has over 25 years of experience serving the needs of ultra-high net worth families in the United States and internationally. He is the original founder of the SIGMA Group. Caio's expertise includes family wealth management strategies, international wealth management, managing new wealth, and sports and entertainment financial guidance. He holds the designations of Personal Investment Advisor (PIA) and Sports & Entertainment (SE). Caio completed his high school education at Pueri Domus and earned an Associate's Degree from Miami Dade College. He has also completed non-accredited certificate programs at The University of Chicago and Tuck School of Business. Originally from Brazil, Caio is fluent in Portuguese, Spanish, and English. He resides in Coconut Grove with his wife Camila and their two children. In his free time, he enjoys boating, playing soccer, and volleyball.

Andres Mesa is an International Wealth Advisor at Merrill Lynch Wealth Management with over 25 years of investment management experience. He provides a comprehensive range of financial and investment services, including wealth management, investment planning, estate planning services, tax minimization strategies, wealth transfer, and retirement income planning. Andres works with clients to simplify their financial lives and develop strategies tailored to their specific goals. He earned a Master's degree in Finance from Florida International University and holds a B.S. and a Master's degree in Structural Engineering from the University of South Carolina. Andres completed executive studies at the University of Chicago Booth School of Management and has earned the Certified Private Wealth Advisor® and Retirement Manager Advisor® designations from the Investments & Wealth Institute™. He is also a member of Tau Beta Pi, The Engineering Honor Society. Andres believes that successful client relationships are built on communication, collaboration, confidentiality, trust, knowledge, and a clear roadmap. He focuses on cultivating these elements and collaborates with other trusted advisors to provide comprehensive resources for his clients. Andres is fluent in Spanish and English and has interests in boating, horseback riding, photography, reading, running, spending time with his family, and traveling.

Daniel Esslinger is an International Wealth Advisor currently with Merrill Lynch Wealth Management, where he has been since 2013. He brings over 30 years of experience in the financial industry, focusing on advising high-net-worth families in the management of their financial, philanthropic, and succession goals. Daniel previously held senior roles, including Managing Director positions at Barclays Wealth, Itau Private Bank, and UBS AG, primarily serving Latin American clients across various jurisdictions. With a Bachelor's degree in Business Administration majoring in financial math from the University of Applied Sciences in Zurich, Switzerland, Daniel is a Personal Investment Advisor (PIA) and is fluent in English, Portuguese, Spanish, German, and French. His expertise covers executive compensation, family wealth management strategies, international wealth management, retirement planning, philanthropic planning, portfolio management, and ESG investing. Daniel's approach centers on understanding his clients' life priorities and goals to create tailored financial portfolios that align with these objectives. He resides in Florida and engages in personal activities such as cooking, fishing, football, hiking, scuba diving, skiing, soccer, spending time with family, tennis, and watching movies.

Beatriz Ramos Justo is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has previously worked at Citigroup and Bbva. Based in Miami, FL, she joined Merrill in 2025 after ten years in the banking sector. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies supported by internal and third-party managers.