Ryan Demilio is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2012. He specializes in developing comprehensive financial strategies tailored to individuals, families, and businesses, aiming to support their short and long-term financial goals. Ryan and his team collaborate closely with clients' other professional advisors, including legal counsel, tax advisors, and employee benefit specialists, to provide coordinated and professional financial services. Ryan holds several professional designations, including the Chartered Financial Consultant® (ChFC®), Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA™), and Personal Investment Advisor (PIA). He earned his bachelor's degree from the University of Phoenix. Outside of his professional work, Ryan enjoys golfing, music, spending time with his family, traveling, and watching movies.

Elena Mangialardo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her prior work includes roles at Merrill and non-financial positions at Saks Fifth Avenue and Dezer Development. 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, and institutional investors.

Kenneth Coto is a Private Wealth Advisor and a partner in the Gonzalez & Associates advisory practice within Merrill Private Wealth Management. He leads a multi-generational team of eight professionals dedicated to preserving, growing, and transferring the wealth of a select group of ultra-affluent, global families. The team provides clients with support in wealth transfer, investment management, lending, and liquidity management, enabling clients to focus on their core strengths in wealth creation. Kenneth has over 20 years of experience in the financial services industry, having joined Merrill Lynch Wealth Management in 2004. Prior to this, he worked at Deutsche Bank Securities in New York as a fixed income salesperson. He holds an undergraduate degree from Georgetown University and a master's degree from New York University's Stern School of Business. Kenneth holds professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE). He is proficient in English, Spanish, and French. A native of Miami, Kenneth resides in Key Biscayne, Florida, with his wife Katrina and their three children. He is involved in community activities such as serving on the Village of Key Biscayne Athletics Advisory Board and the Key Biscayne Community Foundation Grant Committee. Additionally, he manages a team for the Key Biscayne Soccer Club. His personal interests include boating, skiing, soccer, and spending time with his family.

Alexander Acosta is a financial advisor at Merrill with five years of industry experience and holds the Series 66 designation. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016. Outside of his advisory role, he serves as a general partner and managing member of a limited liability company that supports aspiring entrepreneurs in developing their business plans. 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 individual, high-net-worth, and institutional clients.

George Perez is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. George has been with the firm since 2005. With over 30 years of experience managing complex global portfolios, George develops asset allocation models and strategic and tactical investment strategies using equities, fixed income, and alternative investments tailored for high-net-worth clients. As a qualified Portfolio Manager, he provides traditional financial advice and also builds and manages personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. He may manage these strategies on a discretionary basis within the Firm’s Investment Advisory Program. George holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He earned his bachelor's degree in finance from Florida International University.

Federico Plata is a Senior Vice President and International Wealth Advisor at Merrill Lynch Wealth Management. With more than 20 years of experience, he assists clients across the U.S. and abroad in building, preserving, and transitioning their wealth. Federico takes a comprehensive and disciplined approach to financial planning, combining macro-market insight with long-term relationship building and advice to support families at every stage of life. Leveraging resources from Merrill and BofA Global Research, he works closely with clients to create customized strategies aligned with their goals, values, and priorities. Federico's expertise includes family wealth management strategies, institutional consulting, international wealth management, legacy planning, portfolio management services, small business strategies, and sports and entertainment sectors. He holds an MBA with a concentration in Finance and a minor in Marketing from Instituto Superior de Estudios de Administracion and a Bachelor of Science in Chemical Engineering from Universidad Metropolitana. He also holds the Personal Investment Advisor (PIA) designation and is fluent in English, Spanish, and Portuguese. Outside of work, Federico is a husband and father of two daughters. He has played rugby since 1996 and has coached amateur teams. An outdoor enthusiast, he enjoys surfing, running, and other adventure sports. These activities contribute to his balanced and focused approach in serving his clients.

Amber Bowden is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in developing holistic financial strategies by leveraging the full suite of resources offered by Merrill and Bank of America, including banking, lending, trust planning, and investing. She works as part of a husband and wife advisory team, with a focus on family values. Her client focus areas include family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, small business strategies, and women and wealth. Prior to her career in finance, Amber worked for 15 years as an Anesthesia provider at Cleveland Clinic in Weston. She brings the discipline and rigor from her medical background to her financial advisory role. Amber holds a Bachelor's Degree from Brigham Young University - Idaho and a Master's Degree from the University of Miami. She holds the professional designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA) and is affiliated with Cleveland Clinic Florida. Amber is involved in her community through organizations such as Camillus House, Chamber South, Miami Dade County Public Schools, and The Church of Jesus Christ of Latter-Day Saints. Her personal interests include boating, cooking, hiking, music, photography, reading, running, skiing, spending time with her family, and traveling.

Nelson Hernandez is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he provides comprehensive financial guidance to healthcare entrepreneurs, business owners, and successful families. He specializes in areas such as executive compensation, family wealth management strategies, international wealth management, liquidity management, new wealth management, personal retirement planning, small business strategies, tax minimization, and retirement income. Nelson integrates the investment resources of Merrill and the banking services of Bank of America to address the various aspects of his clients' financial lives. Nelson has been in the financial services industry since 2014 and joined Merrill in 2022. He holds a bachelor's degree in Economics and Political Science from Florida State University and earned a Master of Business Administration in Finance and Accounting from the University of Miami. Nelson also holds the Professional Investment Advisor (PIA) designation and is fluent in English and Spanish. He is actively involved in his community, contributing time and resources to organizations such as The American Museum of the Cuban Diaspora and the Christopher Columbus High School Alumni Association. Outside of his professional work, Nelson enjoys football, golfing, hunting, reading, running, skiing, spending time with his family, tennis, traveling, and watching movies.

Ioana Cioc is an International Wealth Advisor with Merrill Lynch Wealth Management. In her role, she provides wealth management services to clients, leveraging her expertise to support their financial goals. She holds the Personal Investment Advisor (PIA) professional designation, reflecting her commitment to investment advisory standards. Ioana earned a Bachelor's Degree from Barry University and a Master's Degree from Teachers College.

Tania Rosales is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 2018, having previously worked with Bank of America and Merrill starting in 2015. Tania holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Throughout her career, Tania has worked with a diverse range of clients, from young professionals to retirees, assisting them in investment planning, retirement planning, estate planning services, and wealth management. She follows a disciplined process focused on understanding each client’s individual circumstances, goals, and values to develop personalized financial strategies. Tania is recognized as a Senior Portfolio Advisor and manages discretionary investment strategies utilizing Merrill Lynch Wealth Management model portfolios and third-party investment options. Tania earned her high school diploma from Golestane Kabir. She is involved with Junior Achievement of Central Maryland and enjoys recreational activities including biking, hiking, music, reading, running, swimming, traveling, and yoga. She often spends time outdoors with her family exploring new trails.

Jillian Lopez is a Series 66-licensed financial advisor with Merrill in Miami, FL, where she has worked since 2009, accumulating 17 years of industry experience. She serves as a committee member for The Kevin Garcia Foundation Inc., a nonprofit organization supporting at-risk children, and owns Save The Date LLC, an event planning 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Cesar Elizondo Pena is a Private Wealth Advisor at Merrill Private Wealth Management. Originally from Mexico, he moved to the United States in 1998 to pursue a master's degree in business in North Carolina. Since 2000, Cesar has been involved in family wealth management, bringing valuable expertise to his clients in Miami. He is dedicated to working closely with clients to develop personalized financial strategies that align with their long-term goals. Cesar's areas of focus include family wealth management strategies, international wealth management, liquidity management, personal retirement planning, portfolio management services, and tax minimization among others. He holds a Bachelor's Degree from ITESM and a Master of Business Administration (MBA) from Kenan-Flagler Business School at UNC. Additionally, he has earned professional designations such as Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). He is committed to building lasting human bonds with his clients and values the opportunity to meet new people and advise them on their financial matters. Cesar also participates in community activities and has interests including adventure sports, baseball, camping, gardening, music, reading, running, soccer, traveling, and yoga.

Carlos Hernandez is a financial advisor with Merrill in Miami, FL. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to joining Merrill, he worked at HSBC Securities and HSBC Bank USA, and he has additional experience with Bank of America and NorthernTrust. 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 and profit-sharing plans, corporations, and charitable organizations.

Yander Barrios Cruz is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Morgan Stanley, Regions Bank, and Wells Fargo. He has also been affiliated with Florida International University 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.

Isbett Martinez Morales is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and previously worked for Citigroup-Private Bank from 2013 to 2026 before joining Merrill. 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 plans, corporations, and charitable organizations.

Andres Leon is an International Wealth Advisor currently working with Merrill Lynch Wealth Management. He has been in the financial services industry since 2011 and joined Merrill Lynch in 2015. Andres specializes in wealth planning and advice for individuals, families, and business owners, with a goals-based approach that aligns clients' investments and finances with their short- and long-term objectives. His expertise includes college education planning, family wealth management strategies, international wealth management, legacy planning, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, and retirement income. Andres holds the Certified Investment Management Analyst (CIMA) designation awarded by the Investments & Wealth Institute, which is taught in conjunction with the Wharton School at the University of Pennsylvania. He also earned the International Wealth Advisor accreditation and holds Series 7 and Series 66 FINRA registrations. Andres graduated with a Bachelor of Science in Communication, focusing on Economics, from the University of Miami in Coral Gables, Florida. Additionally, he is a member of the Kilwanis of Little Havana and serves on Merrill's Hispanic/Latino Advisory Council's partnerships committee, collaborating on community initiatives. In his personal time, Andres enjoys basketball, boating, cooking, fishing, golfing, hiking, soccer, and spending time with his family. He takes a genuine interest in his clients, serving them with authentic care, and focuses on building long-lasting, trusted relationships to craft comprehensive financial strategies.

Emily Kennedy is a financial advisor at Merrill with five years of industry experience. She holds the Series 66 designation and previously worked at Efg Capital International for eleven years. 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.

Salvador Bentolila is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he guides individuals, families, and business owners through investment strategies, retirement planning, risk management, and legacy planning, aiming to align financial plans with clients' specific goals. He holds a Master's Degree from Bentley University and a Bachelor's Degree from Yeshiva University. Salvador is also a Personal Investment Advisor (PIA) and is proficient in English and Spanish. Originally from Venezuela, he now resides in Aventura with his wife and two sons. Salvador focuses on building trust and maintaining clear communication to simplify complex financial concepts. Outside of his professional work, he has interests in basketball, chess, music, soccer, and tennis.

Juan Pablo Benavides is a Private Wealth Advisor at Merrill Private Wealth Management. He joined Merrill Lynch Wealth Management in 2000 as a Wealth Management Advisor. Prior to his tenure at Merrill, Juan Pablo worked at Correval S.A. in Colombia from 1989 to 2000, where he held various roles and concluded his service as Managing Director of Institutional Sales. Juan Pablo graduated Cum Laude with a Bachelor's degree in Economics from the University of Hartford. He holds the Certified Investment Management Analyst (CIMA) certification and maintains Series 7, Series 66, and other FINRA registrations. As a Senior Portfolio Advisor, he assists clients by building and managing custom investment strategies and selecting from a variety of Merrill model portfolios and third-party investment strategies. He may also manage investment strategies on a discretionary basis through the Firm's Investment Advisory Program.

Samuel Tuckerman is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he focuses on developing tailored financial strategies that emphasize growth and income for his clients. His services encompass portfolio reviews, retirement planning, insurance, tax minimization, estate strategies, as well as managing liabilities and credit through Bank of America. Samuel maintains regular communication with his clients to ensure their portfolios align with their personal goals and priorities. With a Bachelor's Degree from Florida State University and a Master's in Science, Finance from Florida International University, Samuel combines education with experience to address complex financial needs. He holds the Personal Investment Advisor (PIA) designation. His areas of expertise include divorce transition planning, executive compensation, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, personal retirement planning, socially responsible and ESG investing, sports and entertainment, and retirement income. Outside of his professional work, Samuel enjoys a variety of sports including basketball, football, golfing, ice hockey, pickleball, skiing, tennis, and also spending time with his family and traveling. He participates in community activities and professional organizations such as Machon Shlomo and YEHUDI.