Louis Ortiz is a financial advisor at Merrill in San Antonio, TX, holding Series 65 and Series 66 licenses with two years of industry experience. His previous positions include roles at Bank of America and Guggenheim Partners, and he serves as owner of Romantasy Letters, a subscription-based letter series business. Ortiz is also a board member and officer of the Shams Foundation, a nonprofit organization. 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.

Michael Bertuzzi is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the La Cantera office in San Antonio. He has been with Merrill since 1990, bringing 30 years of experience in the financial services industry. Michael specializes in corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. He works with corporate executives to integrate their benefits into comprehensive long-term financial strategies. His client services also cover college education planning, family wealth management, retirement income, portfolio management, and investment consulting for defined contribution plans, among other areas. Michael holds a Bachelor's Degree in Finance from Oklahoma State University and a Master's in Business Administration from Oklahoma City University. He has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Raised in Bartlesville, Oklahoma, Michael has resided in Boerne, Texas, for the past ten years and has been married for over 40 years with two children. Outside of his professional work, Michael is the founder and past president of Tour de Boerne Inc., a volunteer-run cycling event held annually in June, with all proceeds supporting Hill Country charities. His personal interests include biking, gardening, hunting, traveling, and spending time with his family.

Dalon Wynia is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Merrill since 2009. 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 institutional investors.

Keith Conklin is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 2010, initially serving as a Wealth Management Banker before transitioning to an advisory role in 2015. Keith brings over 17 years of financial advisory experience, having worked extensively with retirees, pre-retirees, small business owners, physicians, attorneys, and business executives. Keith employs a Goals Based Wealth Management approach, focusing on creating customized financial plans that align with clients’ lifetime income objectives, wealth preservation, and wealth transfer goals. He emphasizes strategies that balance diversification with clients’ risk tolerance and uses professional money managers to develop income-producing portfolios for retirees. His expertise covers areas including retirement income, family wealth management, legacy planning, and portfolio management services. Keith earned a Bachelor’s degree from Union College in Schenectady, NY, and an MBA from The Freeman School of Business at Tulane University in New Orleans, LA. Born and raised in the New York City metropolitan area, he has lived in New Orleans and Dallas before settling in San Antonio. Beyond his professional work, Keith is active in community service, serving on the boards of charitable and political organizations. In his personal time, he enjoys traveling, cooking, football, gardening, music, reading, and spending time with his family.

Leah Stone is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Her prior work includes positions at BrainStorm, Inc. and periods of unemployment. 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.

Luis Pinto Jr. serves as a Private Wealth Advisor at Merrill Private Wealth Management, where he specializes in International Wealth Management, Legacy Planning, and Portfolio Management Services. He works with corporate executives, entrepreneurs, and family offices, focusing on helping them achieve their financial goals through integrated strategies, especially in managing cross-border currency exposure and complex financial instruments. Luis began his career at Merrill Lynch in 1998, spent six years at UBS, and returned to Merrill Lynch in 2010. He holds a Bachelor of Business Administration degree from St. Mary's University and professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Luis is a member of the Investment Management Consultants Association and is qualified as a Portfolio Manager. Fluent in English and Spanish, Luis has a personal interest in adventure sports, basketball, boxing, hunting, music, soccer, traveling, watching movies, and spending time with his family.

Richard Dudley is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, and Wells Fargo Clearing. 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.

Ryland Bryant is a Wealth Management Advisor at the Merrill Lynch Wealth Management complex in San Antonio. He brings extensive experience in financial services, focusing on helping clients achieve key financial goals such as education planning, personal retirement planning, portfolio management, tax minimization, and retirement income. Ryland holds a Bachelor's Degree in Economics from Saint Mary's University of San Antonio and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His expertise includes developing comprehensive strategies for retirement income accumulation and distribution, college planning, estate planning, and long-term care insurance. He also works with clients on business-related financial services such as business loans and cash flow management. In addition to his professional work, Ryland is involved in community organizations including the Alamo College Foundation and SAMMinistries.

Erin Landrau is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 designation and 22 years of industry experience. She has been with Merrill since 2003. 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 and profit-sharing plans, corporations, and charitable organizations.

Benjamin Taylor is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1998 following 21 years of active duty service as a U.S. Army Armor Officer, where he held leadership roles including tank platoon leader, company commander, and battalion executive officer. His military experience is complemented by his academic background in history and business. Mr. Taylor earned a Bachelor of Arts in History and English from Trinity University in San Antonio, Texas, an MBA from Webster University in St. Louis, Missouri, and a Master of Arts in Military History from the U.S. Army Command and General Staff College at Fort Leavenworth, Kansas. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and maintains Series 7 and 66 FINRA registrations. His client focus includes college education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, special needs planning, tax minimization, and retirement income. Outside of his professional responsibilities, Mr. Taylor is involved in his church and the Boy Scouts of America in San Antonio. He is an avid water skier and supports American Water Ski Association tournaments. He resides in Helotes, Texas, with his wife, Anne, and enjoys traveling to visit their grown children and grandchildren.

Laura Chambers is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. She has worked at Merrill since 2007 and concurrently at Bank of America, N.A. since 2014. 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.

Daniel Guerrero is a Financial Advisor at Merrill Lynch Wealth Management. He partners with clients to deliver comprehensive wealth management and planning solutions, focusing on creating personalized strategies tailored to individual goals and priorities. Daniel works with a diverse client base, including corporate executives, families managing wealth, new wealth owners, small business owners, and individuals in sports and entertainment. His approach involves developing comprehensive financial strategies by utilizing a range of services such as investing, banking, and lending to help clients achieve their financial objectives. He holds a Bachelor's Degree from the University of Texas System and the Personal Investment Advisor (PIA) designation. Outside of his professional responsibilities, Daniel has interests in basketball, cooking, football, golfing, hunting, skiing, and traveling.

Mateo Cohen is a financial advisor at Merrill in San Antonio, TX, holding a Series 66 designation with less than one year of industry experience. His background includes time at Bank of America, N.A. and previous roles in the food service and education sectors. Merrill, together with 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 investors, and institutional accounts.

William Fernandez is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2017. He works with business owners, professionals, and retirees, focusing on developing personalized financial strategies that help clients pursue their long-term goals. His approach emphasizes understanding each client's unique needs and goals to build comprehensive wealth management plans. William has extensive experience in areas such as family wealth management, legacy planning, managing new wealth, retirement planning, philanthropic planning, portfolio management, small business strategies, tax minimization, and retirement income. He holds the designations of Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He earned a bachelor's degree in International Business from Saint Mary's University of San Antonio and an MBA from Regis University. In addition to his professional work, William is active in his community, participating with the San Antonio Hispanic Chamber of Commerce and serving on the A.C.T.S. team at Our Lady of Perpetual Help Church in Selma, Texas. He speaks both English and Spanish, and enjoys spending time with his family.

Erica Serrano is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 65 designations and has worked previously at J.P. Morgan Securities LLC and Charles Schwab. Based in San Antonio, TX, she has been with Merrill since 2019. 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.

Tiffany Briggs is a Wealth Management Advisor at Merrill Lynch Wealth Management with a career beginning in 2004. She holds multiple professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Tiffany earned her bachelor's degree from Northeast Louisiana University. Specializing in wealth planning, investment strategy, retirement planning, and multigenerational wealth transfer, Tiffany focuses on providing tailored financial guidance to individuals, families, and business owners. She is recognized for her client-first philosophy, building lasting relationships rooted in trust and transparency, and has been noted among the Top Ten Women Wealth Advisors in Texas by Forbes Magazine in 2022. Outside of her professional duties, Tiffany is married with three children and is active in her community. She volunteers at her children's school, is involved with her church's children and music ministries, and serves on the board of the Creative Arts Conservatory of San Antonio. Tiffany also enjoys competing in triathlons and participates in her church's praise team.

Kyle Woodard is a financial advisor with Merrill in San Antonio, TX, holding a Series 66 credential and four years of industry experience. Prior to Merrill, he worked at Bank of America, Equitable Advisors, NY Life, and spent five years at Texas A&M University. He also has experience outside finance, including management roles at a law firm and a Jimmy John's franchise. 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.

Fernando Alvarez Calderon is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 credentials and having 39 years of industry experience. He has worked at Merrill since 2013 and has also been with Bank of America, N.A. since 2014. 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.

Joshua Gonzalez is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in working with small business owners and families to develop customized investment strategies and provide guidance on exit planning. As a Personal Investment Advisor (PIA) holding a Certified Exit Planning Advisor® designation, Joshua manages discretionary investment portfolios incorporating Merrill’s model portfolios and third-party strategies. With a Bachelor's degree from the University of the Incarnate Word and an Accredited Certificate from the Exit Planning Institute, he combines his academic credentials with practical experience. Joshua draws upon his background as a former business owner and Certified Fitness Trainer to apply a disciplined, goal-driven approach to wealth management. Joshua actively participates in community organizations, serving as an officer on Bank of America's Board of Community Volunteers and as a board member of HOLA, supporting Hispanic leadership. He is also involved with local groups such as St. Anthony Claret CYO and Windsong UMC. Outside of his professional commitments, Joshua enjoys basketball, boxing, football, golfing, music, running marathons, volleyball, and spending time with his family.