David Villarreal Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. Since joining Merrill Lynch in 2011, following six years at Bank of America, he has focused on helping individuals, families, and business owners create personalized financial strategies tailored to their goals. As a key member of K&I Associates, a team recognized by Forbes as a "Best-in-State Wealth Management Team" from 2023 to 2025, David delivers comprehensive, 360-degree financial strategies with an emphasis on understanding each client's unique priorities. David's expertise includes education planning, family wealth management, liquidity management, retirement planning, and tax minimization among other areas. He employs a consultative and objective approach that addresses both short-term objectives and long-term aspirations by investing time to deeply understand his clients' concerns and ambitions. David holds a B.B.A. in Accounting from the University of Texas at San Antonio and carries professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in San Antonio since 2005, David and his wife, Daisy, are active members of several church organizations. His personal interests include billiards, chess, cooking, football, music, running, spending time with his family, tennis, and traveling.

Shawn Gosdin is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1999. In his role, Shawn directs his team's efforts to provide a comprehensive range of financial strategies and services. He emphasizes a holistic approach to wealth management, addressing clients' family needs, business interests, community responsibilities, and long-term aspirations. Shawn and his team focus on managing the day-to-day details of wealth management, enabling clients to concentrate on their most meaningful interests and obligations while advancing their personal and generational financial goals. Shawn's areas of expertise include corporate executive services, executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, special needs planning strategies, and sports and entertainment financial matters. He holds the Personal Investment Advisor (PIA) designation and attended Texas A&M University. Outside of his professional responsibilities, Shawn enjoys fishing, golfing, skiing, and spending time with his family.

Anna Femat is a Wealth Management Advisor with Merrill Lynch Wealth Management, a division of Bank of America. Since beginning her career with Merrill Lynch in 1987, she has focused on assisting clients in establishing objectives and developing strategies tailored to retirement planning, education funding, long-term care, and credit solutions, including home financing. She employs a Personal Wealth Analysis process to understand clients' situations and guide them toward achieving their financial goals. Anna holds a Bachelor of Business Administration degree with a major in business management from the University of the Incarnate Word. She has earned the Chartered Retirement Planning Counselor (CRPC) and Certified Plan Fiduciary Advisor (CPFA) designations and is a designated Retirement Benefits Consultant (RBC) within Bank of America – Merrill. Her areas of focus include education planning, employee benefits, family wealth management, legacy planning, retirement income, and services for endowments, foundations, and non-profits. Anna and her husband Ramiro have been married for over 30 years and have two children. She is active in her community through involvement with the Archdiocese of San Antonio Catholic Church, Conservation Society of San Antonio, Habitat for Humanity, Junior League of San Antonio, Pan American Round Table, San Antonio Hispanic Chamber of Commerce, and the University of the Incarnate Word Alumni Association. In her personal time, she enjoys cooking, gardening, hiking, music, painting, pottery, reading, sewing, traveling, and spending time with her family.

James Winton is a Financial Advisor with Merrill Lynch Wealth Management, working as part of the Johnson & Associates Wealth Management Team. The team brings over 30 years of collective investment industry experience and combines their expertise with the global resources of Merrill to offer comprehensive wealth management services tailored to individual clients’ financial situations and goals. James’s approach emphasizes understanding each client’s full financial picture and personal priorities to create flexible strategies designed to adapt to changing market conditions. His client focus areas include college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. He follows a structured wealth planning process that involves getting to know the client, analyzing their situation, implementing customized financial plans, and tracking progress to help clients pursue their goals. James holds a Bachelor’s Degree from Texas A&M University System and has earned the designation of Personal Investment Advisor (PIA). He is also active in professional organizations such as the Order of the Alamo and the San Antonio German Club. Outside of work, James enjoys baseball, boating, fishing, football, golfing, hunting, pickleball, reading, skiing, and spending time with his family.

Samantha Kennedy is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2009. Prior to that, she has worked with Bank of America, N.A. since 1996. 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 Chief Investment Office teams and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kara Perez is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. She has been associated with Merrill since 1992. 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.

Amber Carden is a financial advisor at Merrill with Series 63 and Series 66 credentials and 25 years of industry experience. She has been with Merrill since 2009 and has maintained a longstanding association with Bank of America since 1983. Outside of her advisory role, Carden is involved in multiple nonprofit organizations, including serving as an ambassador for HeartGift, co-chairing a capital campaign for the Junior League of Austin, and holding board positions with E3 Alliance, the Headliners Club, and Helping Hand Home Society. 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 a range of model-based and discretionary investment strategies supported by internal and third-party portfolio managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nancy De Leon is an International Wealth Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 1995 and has been active in the financial services industry since 1992. Nancy focuses on developing wealth management strategies tailored to the financial objectives of individuals, families, and their businesses, with particular expertise in legacy planning. She holds a bachelor's degree in Economics from Instituto Tecnologico y de Estudios Superiores de Monterrey and has earned professional designations including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). Nancy offers clients access to the investment resources of Merrill Lynch along with the banking services of Bank of America to address a broad range of financial needs. She serves clients with interests in areas such as education planning, executive compensation, family wealth management, international wealth management, legacy planning, and portfolio management services. Nancy is fluent in English and Spanish. Outside of her professional work, her personal interests include biking, hiking, painting, photography, reading, running marathons, soccer, tennis, traveling, and yoga.

Alberto Maycotte is an International Wealth Advisor at Merrill Lynch Wealth Management. He specializes in international wealth management, managing new wealth, and serving clients in the sports and entertainment sectors. Fluent in English, Spanish, and German, Alberto leverages his language skills to work with a diverse client base. Alberto has been with Merrill Lynch since 1999, assisting families and businesses in navigating their financial needs. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Alberto earned his Bachelor's Degree from St Mary's University. Outside of his professional duties, Alberto enjoys soccer, tennis, and spending time with his family. He approaches his work with the philosophy of developing personalized financial strategies tailored to help clients pursue their long-term goals.

Daniel Lasater is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His prior experience includes roles at PNC Bank, BBVA Wealth Solutions, BBVA Securities, BBVA Compass Insurance Agency, Compass Bank, and Texas Capital Bank. 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.

Omar Siddiqui is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 66 designations and seven years of industry experience. His prior roles include positions at JPMorgan Chase Bank and Deutsche Bank AG. He serves as a board member of the Houston Shifa Foundation, a nonprofit clinic providing affordable health care to underserved communities in Houston. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ryan Mccleary is a CFA® charterholder with 17 years of industry experience. He currently works at Merrill and previously spent 12 years at CITI Private Bank. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jaime Gutierrez is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In this role, he works with business owners and successful families to integrate investment strategies, financial planning, and risk management into coordinated wealth plans. Since joining Merrill Lynch in 2022, Gutierrez has focused on building meaningful relationships, delivering thoughtful guidance, and contributing to the firm's culture of leadership and service. He serves as Board Chair of the Merrill Lone Star Market Board of Directors (2023–2026), where he supports advisor development, internal culture, and community engagement across Texas. Gutierrez began his financial career at Citibank, advancing from Wealth Coach to Wealth Advisor by building trust and helping clients navigate their financial lives. Prior to entering financial services, he held leadership positions as Sales Manager at James & James Formalwear and CEO of Loop Social, LLC. Gutierrez holds licenses including Series 7, Series 66, Series 3, and General Lines Life and Health, and is a Personal Investment Advisor (PIA). He earned a High School Diploma from the University of Texas System. Active in the San Antonio community, Gutierrez has participated in the Alex Briseño Leadership Development Program (ABLDP) 2025, Leadership San Antonio (LSA50), and serves on the United Way of San Antonio and Bexar County Advisory Board. Through these programs, he has engaged with civic leaders, nonprofits, and business coalitions to support economic development, community outreach, and youth leadership. He is a member of the San Antonio Hispanic Chamber of Commerce and speaks English and Spanish.

Cynthia Collins is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has been a team member since 1983. She specializes in wealth management strategies and retirement income planning, assisting clients in evaluating, designing, and implementing tactical and strategic investment portfolios. Cindy also supports clients in pursuing their philanthropic goals. Cindy holds a Bachelor's Degree in Liberal Arts from Trinity University in San Antonio. She has earned several professional designations, including the Certified Investment Management Analyst® (CIMA®) from the Investments & Wealth Institute™, Chartered Retirement Planning Counselor™ (CRPC™), Certified Plan Fiduciary Advisor® (CPFA®), and is a designated Retirement Benefits Consultant within Bank of America/Merrill. Outside of her professional career, Cindy has been actively involved in the San Antonio community. She has served on various philanthropic and civic boards such as the Panhellenic Association of San Antonio, San Antonio Children's Museum (now the DoSeum), Friends of the Ronald McDonald House, Southwest Foundation Forum, and the Santa Rosa Children's Hospital Foundation. Additionally, she is a sustainer with the Junior League of San Antonio, a member of The Daughters of the American Revolution, and a past member of the San Antonio Symphony League. Cindy enjoys fishing, golfing, music, reading, tennis—as a lifetime member of the United States Tennis Association—and spending time with her family.

Karen Sims is a financial advisor with Merrill in San Antonio, TX, holding Series 63, 65, and 66 licenses and 24 years of industry experience. She has been associated with Merrill since 2009 and Bank of America since 2005. Outside of her advisory role, she has rental property interests managed by her spouse. 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.

John Morgan is an International Wealth Advisor and Senior Vice President at Merrill Lynch Wealth Management, where he began his career in 1995. He specializes in areas including Corporate Executive Services, Executive Compensation, Family Wealth Management Strategies, International Wealth Management, Legacy Planning, and Women and Wealth. John holds a Bachelor of Science degree in Business Administration, with a double major in Finance and Economics, from Trinity University. He has earned professional designations including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He is a member of the Investments & Wealth Institute and the International Honor Society in Economics, Omicron Delta Epsilon. Fluent in English and Spanish, John is married with two children. His personal interests include adventure sports, fishing, photography, scuba diving, skiing, and traveling.

Heather Walsh is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Merrill since 1997 and has concurrently served at Bank of America, N.A. since 2011. Outside of her advisory work, she is a sole owner of a rental property in Naples, Florida. 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.

Matthew Trapp is a financial advisor with Merrill in San Antonio, TX, holding Series 63 and Series 65 licenses and 19 years of industry experience. He has worked at Bank of America and Merrill since 2007. Outside of his advisory role, he is the Chief Financial Officer of White Oak Barn Inc., a retail clothing and gift boutique. 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.