Stefano Di Rocco is a Private Wealth Advisor at Merrill Private Wealth Management. He provides advice and guidance on investment-related wealth structuring issues, including concentrated stock positions, executive compensation, business-interest risk, trusts, and fiduciary structures. Stefano collaborates with clients' tax planners, trust attorneys, family offices, trustees, and accountants, with client permission, to develop comprehensive financial strategies. Stefano holds the Certified Portfolio Manager® designation through Columbia University and The Academy of Certified Portfolio Managers, as well as the Certified Private Wealth Advisor® designation through the Investments & Wealth Institute™ at the University of Chicago Booth School of Business. He completed Bachelor's Degrees in Political Science and Economics and participated in a Master's Degree program in Applied Economics at the University of Central Florida. Stefano is fluent in Italian, Spanish, Portuguese, and English and has conversational skills in additional languages. He focuses on wealth structuring and portfolio planning for families with international footprints and international athletes. Stefano has been recognized among Forbes' "Best-in-State Wealth Advisors" from 2019 to 2025. His interests include boating, boxing, music, running, and soccer.

Juan Toro is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Merrill since 2009. Toro is also an owner of Cantilever Holdings LLC, an investment vehicle established to hold private investments on behalf of himself and his wife. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Heidi Permuy is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2015 and joined Bank of America, N.A. in 2025. 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.

Alexandra Salgado is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. She has been with Merrill since 2018 and previously worked at Bbt and Ruhl Law Firm. 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.

Robert Norton is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 14 years of industry experience. He has worked at Merrill since 2011, with periods at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Norton serves as Chair of the Finance Committee and sits on the board and Executive Committee of United Way 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lina Echeverri is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has been with Merrill since 2015 and studied at Florida International University from 2015 to 2019. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Luiz Fernando Varga Buzolin is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing over 16 years of experience in the financial industry. Since joining Merrill Lynch in 2012, he has specialized in working with international families to develop customized financial strategies that align with clients’ risk tolerance, time horizon, liquidity needs, and overall investment goals. Luiz Fernando leverages the resources of Merrill Lynch to explore a wide range of investment solutions and supports clients in areas such as executive and equity compensation, family wealth management, international wealth management, and socially responsible investing. He holds a Bachelor's Degree from Universidade Mackenzie in São Paulo and an M.B.A. in Finance from Cornell University, along with professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Luiz Fernando is registered with FINRA holding the Series 7, 66, and 65 licenses. Fluent in Portuguese, Spanish, English, and Italian, he works closely with a team of advisors in Miami and New York, offering a hands-on, personalized approach to wealth management. Luiz Fernando lives in Palmetto Bay, Florida, with his wife and two children. Outside of his professional work, he enjoys golfing, scuba diving, and spending time with his family.

Maribel Maldonado is Senior Vice President and International Wealth Advisor at Merrill, where she has served clients for over 26 years. She specializes in leading with planning and works with entrepreneurs, multinational families, pre-retirees, and women investors to provide guidance in areas such as international wealth management, family wealth strategies, and personal retirement planning. Maribel has been recognized on the Forbes Top Women Advisors Best in State List in 2023, 2025, and 2026. She holds several professional designations, including Certified Exit Planning Advisor (2025), Retirement Management Advisor® (2021), and Certified Private Wealth Advisor® (2014), demonstrating her expertise in wealth management and exit planning. Maribel graduated from Lafayette College with a Bachelor of Arts, majoring in International Relations and Business and Economics, and minoring in French. Outside of her professional work, Maribel is involved in several community and volunteer activities. She is Chair of the Southeast Alumni Council for Lafayette College, served as Merrill's Women's Exchange Miami Chapter co-chair from 2014 to 2022, and participates in organizations such as Take Stock In Children as a mentor. In her free time, she enjoys cooking, hiking, running a book club, practicing yoga, and traveling. Maribel resides in Miami with her husband, mother, and her dog, Bonnie.

Jill Otto is a Private Wealth Advisor and Managing Director with the Grausam Otto Group at Merrill Private Wealth Management. She has over a decade of experience delivering wealth management services to financial principals, c-suite executives, and their boards. Jill focuses on founders and leaders of venture capital and private equity funds, hedge fund principals, and privately held businesses. Her planning advice specializes in balancing control and disclosure requirements when gifting, selling, or borrowing against positions in concentrated stock, privately held businesses, and GP stakes. Prior to her current role, Jill built and led the Financial Institutions and Sponsors Group for J.P. Morgan in Florida and ran business development for J.P. Morgan's Global Investment Opportunities Group in New York. Before joining J.P. Morgan, she managed the investment offices of her family's 75-year-old business in Rio de Janeiro and Paris. Jill sits on the board of the Yale Center for Faith and Culture and has held various other board memberships including the Wolfsonian Museum, International Planned Parenthood, and alumni councils of Phillips Academy Andover and Princeton University. Jill holds a Bachelor of Arts from Princeton University, a Master of Arts from the School of Foreign Service at Georgetown University, and a Master of Business Administration from Duke University. She is a Personal Investment Advisor (PIA) and is fluent in English, German, Portuguese, Spanish, and French. Raised in Germany and Brazil, she resides in Miami Beach, Florida with her two children.

Mario Black is a Financial Advisor and Vice President with Merrill Lynch Wealth Management. He works closely with high-net-worth and ultra-high-net-worth individuals, families, and business owners, focusing on investment planning, wealth management, and delivering tailored advice to help grow and protect assets. Mario holds the Chartered Financial Analyst (CFA) designation and the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from Ave Maria University and a Master's Degree from Florida International University. His expertise spans financial markets, portfolio management, and wealth advisory, with experience across equities, fixed income, alternative investments, and complex wealth management strategies. Fluent in English, Spanish, and Portuguese, Mario emphasizes building long-term relationships based on trust and transparency. His client focus areas include family wealth management strategies, international wealth management, liquidity management, portfolio management services, sports and entertainment, and individual and corporate investment strategy. Outside of work, he enjoys biking, golfing, and soccer.

Norma Valentin Rivera is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has worked at several firms, including The G Financial Group in Alliance Equitable Advisor, Oriental Financial Services, and Sentinel Financial Group. Outside of her advisory role, Rivera is co-owner of a family rental property. 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.

Maria Nardi Leon is a Wealth Management Advisor with Merrill Lynch Wealth Management. She joined the Cappeller Marko Group at Merrill Lynch in 2024, focusing on guiding the next generation of clients through wealth planning and the seamless transition of financial legacies. Maria applies a collaborative, goals-based financial planning approach to help clients achieve long-term financial stability and wellness. Maria began her career in financial services at Bank of America in 2005. She is a CERTIFIED FINANCIAL PLANNER® practitioner and holds certifications as a Certified Private Wealth Advisor® and Certified Divorce Financial Analyst®, reflecting her commitment to being a trusted advisor. She earned a Bachelor of Science degree in Economics from Arizona State University, graduating Summa Cum Laude. Maria is also fluent in English and Spanish. Born in Caracas, Venezuela, Maria has continued her financial education with studies abroad in China and Switzerland. She is active in her community, participating in organizations such as the Junior League of Miami and mentoring with Women of Tomorrow. She has held leadership roles including chairing the Miami-Dade Beacon Council's New Leaders Taskforce and serving on boards related to business and leadership development. Outside of work, Maria enjoys traveling, spending time with her family, and supporting causes that empower women and children in health, education, and financial stability.

Joseph Gutierrez is an International Wealth Advisor and Senior Vice President at Merrill Lynch Wealth Management in Miami, Florida. He specializes in providing investment advice, guidance, and education to individuals, families, and businesses. Joseph focuses on a variety of client areas including family wealth management strategies, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. With more than 27 years of experience in the financial services industry, Joseph offers custom strategies aimed at the growth and preservation of client wealth. He is a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor (PIA) committed to offering advice and recommendations based on the best interests of his clients to help them attain their financial goals. Joseph holds a Bachelor's Degree from Florida International University and a Master's Degree from Nova Southeastern University. He is fluent in English and Spanish and is involved with the community organization Helping Hands of Miami. In his personal time, Joseph enjoys baseball, boating, fishing, football, spending time with his family, and watching movies.

Hector Fernandez is an International Wealth Advisor at Merrill Lynch Wealth Management. He joined Merrill in September 2008 and currently serves clients in this role. Prior to Merrill, Hector was Vice President at Lehman Brothers until the firm closed in 2008. He began his career in 1994 as a stockbroker at Bancomer, later focusing on strategic clients starting in 1999, and from 2002 onward dedicated his efforts to serving private banking customers. Hector holds a Bachelor of Business Administration with a specialization in finance from Universidad Iberoamericana in Mexico City. He maintains multiple FINRA registrations, including Series 7, 55, 63, 65, and 66. He also holds the Personal Investment Advisor (PIA) professional designation.

Benjamin Leibman is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and previously worked at Resolution Economics and Brentwood Plaza Pharmacy. Outside of his advisory role, he volunteers with The Tefillin Project, organizing giveaways of Judaica items to Jewish communities. 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.

Jeffrey Burch is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and totaling 10 years of industry experience. His prior work includes eight years at Wells Fargo Clearing and current roles at both Merrill and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Hector Hernandez is a financial advisor with Merrill, holding a Series 66 designation and bringing 28 years of industry experience. He has worked at Merrill since 1997 and has been associated with Bank of America, N.A. since 2013. Outside of his advisory role, he serves on the board of directors for ETERNIDA LLC. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage custody services. The firm emphasizes manager selection and monitoring through its CIO and platform oversight and is noted for its integration with Bank of America affiliates and tax-efficient investment capabilities.

Norviel Alvarez is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to understand their individual priorities and financial goals, aiming to develop personalized strategies that address their short-, mid-, and long-term ambitions. His areas of focus include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Norviel serves as a resource for a range of financial needs, including investing, retirement planning, and saving for unforeseen events, and he collaborates with Bank of America specialists to address banking, credit, lending, and small business solutions. Norviel holds a Bachelor's Degree from Florida International University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, he engages in interests such as basketball, boxing, cooking, music, soccer, traveling, and watching movies.

Ana Silva is a financial advisor at Merrill with a Series 66 designation and 22 years of industry experience. She has worked at Bank of America since 2011 and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007. 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 using model-based and discretionary investment strategies.

Michael Cannegieter is an International Wealth Advisor at Merrill Lynch Wealth Management with over 25 years of experience in domestic and international wealth management. He specializes in designing, implementing, and managing personalized wealth strategies that align with the risk tolerance, time horizon, liquidity, and overall investment goals of high net worth clients. His expertise includes executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, international wealth management, legacy planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, and tax minimization. Michael holds several professional designations, including Certified Investment Management Analyst® (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Business Administration from Stetson University with a major in International Business and an MBA from the University of South Carolina with a major in International Finance. Prior to focusing on wealth management, he has held positions such as proprietary equity trader and offshore hedge fund account manager. Residing in Miami for over 25 years, Michael is an avid endurance athlete and enjoys activities such as basketball, biking, boating, fishing, hiking, running, skiing, soccer, spending time with family, and traveling. He follows the Merrill tradition of community involvement and volunteers with organizations in his local community.