Dallas, TX 13355 Noel Rd Office

Erum Yasin is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and six years of industry experience. She has been with Merrill and Bank of America N.A. since 2013. 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.

Mackenzie Gibson is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals, families, and professionals develop personalized investment strategies. She focuses on areas such as education planning, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. Mackenzie works to build meaningful client relationships and provides guidance aimed at simplifying complex financial decisions. Mackenzie holds a Bachelor's Degree from the University of North Texas and holds the designation of Personal Investment Advisor (PIA). She draws on her expertise to help clients create clear paths toward their financial goals by uncovering what matters most to them and their families. Outside of her professional work, Mackenzie enjoys biking, gardening, horseback riding, music, photography, reading, spending time with her family, and traveling.

Paul Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Paul earned a Bachelor's Degree from Philadelphia University. His role involves providing financial advisory services within the wealth management sector.

Gregory Hill is a Financial Advisor at Merrill Lynch Wealth Management. He brings a background as an Air Force veteran and experience growing up in a military family to his approach in working with clients. Gregory focuses on developing personalized financial plans that align with his clients' long-term goals. He specializes in areas including education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Gregory holds a Bachelor of Business Administration in Economics from the University of North Texas and holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Gregory is involved with Milestone Church and enjoys fishing, hiking, and soccer.

Frederik Constantinesco is a financial advisor with Merrill in Dallas, TX, holding Series 63 and Series 65 credentials and 43 years of industry experience. His career includes roles at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and Bank of America. Outside of the financial industry, he has worked as a salesman at COMP USA Superstore. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm integrates with Bank of America affiliates and offers multiple investment program strategies focused on manager selection, tax efficiency, and capital-markets access.

Stephen Tosha is a Senior Financial Advisor with Merrill Lynch Wealth Management. He serves a diverse client base that includes individuals, couples, small business owners, corporate executives, families, non-profits, foundations, and members of the LGBTQ community. His expertise spans family wealth management strategies, retirement planning, philanthropic planning, portfolio management, and values-based investing. Stephen is also qualified as a Portfolio Manager and incorporates personalized strategies that may include individual securities, Merrill model portfolios, and third-party investment approaches. Stephen brings a comprehensive background in corporate finance, investments, and business development. Prior to joining Merrill Lynch in 2016, he held senior roles at Morgan Stanley and led investment governance for a Dallas-based non-profit organization. He began his career at Verizon, where he gained experience in finance, treasury, sales, and operations over a 30-year tenure, ultimately retiring as a senior executive. His client advisory process emphasizes deep understanding of client values, scenario planning, and customized portfolio construction aligned with global macroeconomic trends. Stephen holds a Bachelor's Degree from the University of Phoenix and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He is engaged with the Dallas Resource Center and supports the Dallas Resource Center LGBTQ Low Income Senior Housing Project. Outside of work, Stephen enjoys cooking, music, running, writing, yoga, and spending time with his family.

Morgan Borg is a Financial Advisor with Merrill Lynch Wealth Management. In this role, Morgan works closely with clients to understand their personal and family financial priorities, developing strategies designed to pursue their short-, mid-, and long-term goals. Morgan provides resources ranging from general investing and retirement planning to enabling access to specialists in banking, credit, home financing, and small business solutions through Bank of America. Morgan's expertise covers a range of client focus areas including college education planning, family wealth management strategies, retirement income, philanthropic planning, and portfolio management services. Morgan holds professional designations such as Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Morgan earned a Bachelor's Degree from Texas Christian University. Outside of professional responsibilities, Morgan is involved with professional organizations such as the Delta Gamma Dallas Alumnae Chapter and the Junior League of Dallas. Morgan also participates in community activities with the National Breast Cancer Foundation and Watermark Community Church. Personal interests include cooking, golfing, hiking, pickleball, reading, running, skiing, spending time with family, traveling, and yoga.

Cassidy Free is a Financial Advisor with Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that align with her clients' unique goals and values. Her approach centers on helping clients identify and prioritize objectives such as education planning, retirement income, executive compensation, tax minimization, and preserving capital to manage, grow, and maintain their wealth. Cassidy holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned her Bachelor's Degree from Southern Methodist University. Her expertise includes family wealth management strategies, individual and corporate investment strategy, portfolio management services, and planning for potential health care costs. Outside of her professional responsibilities, Cassidy enjoys cooking, hiking, pickleball, reading, running, skiing, spending time with her family, tennis, and traveling.

William Gilbert is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Dallas and Frisco. He works collaboratively with his team to provide clients with clarity, comfort, and confidence as they pursue their financial goals, focusing on strategies such as retirement income, education planning, and family wealth management. William holds a Bachelor's Degree and an MBA from Dallas Baptist University. He has attained several professional designations including Accredited Wealth Management Advisor (AWMA), Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His team's combined industry experience totals ninety-eight years, allowing for a broad range of expertise across various client needs. Outside of his professional responsibilities, William is a member of F45 at KOTA Wellness and participates in the Watermark Community Church of Dallas. He enjoys engaging in activities with his family including skiing and attending sporting events in the Dallas/Fort Worth area.

Patricia Fuentes Lara is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has over 16 years of experience in the financial services industry, focusing on partnering with successful individuals, families, corporate executives, and business owners to define and pursue their financial goals. Patricia specializes in integrating investment management, strategic planning, and risk considerations to develop comprehensive wealth management strategies. Her areas of expertise include equity compensation and retirement plan strategies, financial planning for corporate professionals and business owners, and providing guidance on college education planning, employee benefits, legacy planning, retirement income, and more. Patricia holds the Chartered Financial Consultant® (ChFC®) and Certified Plan Fiduciary Advisor® (CPFA®) designations, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). She earned a B.S. degree in Operations and Information Systems Management from The Pennsylvania State University. Patricia is proficient in English and Spanish and is active in professional and community organizations including ALPFA, Hispanic Women Network of Texas (HWNT - Dallas), Women Business Council – Southwest (WBC-S), and the YMCA of Metropolitan Dallas. She is committed to the financial literacy of the Hispanic Latino community and participates in educational seminars. Outside of work, Patricia enjoys cooking, traveling, and spending time with her family.

Zachary Burton is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2017, he has worked with individuals, families, and business owners to develop personalized financial strategies. He leverages Merrill's investment capabilities and the banking resources of Bank of America to provide services including wealth management, retirement planning, investment strategies, portfolio management, and financial guidance. Zach's expertise covers areas such as education planning, executive and equity compensation services, family wealth management, retirement income, and tax minimization. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor (PIA) certification, as well as FINRA Series 7 and Series 66 registrations and a Life, Accident, and Health Insurance license. He earned his Bachelor's Degree from the University of Oklahoma. He lives in Prosper, Texas with his wife and two children. Outside of work, Zach is involved in community organizations including the Dallas Off Road Bicycle Association and the OU Club of Dallas. He also volunteers with initiatives such as Habitat For Humanity and the Special Olympics. His personal interests include golf, travel, and supporting the Oklahoma Sooners.

Jose Lopez Jolly is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing clients with personalized guidance and tailored financial strategies to help them confidently pursue their goals. His expertise includes college education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, small business strategies, investment strategy for individuals and corporations, tax minimization, and retirement income planning. Jose holds a Bachelor of Science in Finance from The University of Texas at Dallas and professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He is fluent in both Spanish and English, enabling him to serve a diverse clientele effectively. Outside of his professional role, Jose enjoys baseball, football, music, reading, soccer, spending time with his family, and traveling. His approach centers on understanding clients' goals, values, and priorities to provide trusted advice and help navigate life's opportunities and challenges.

Kenneth Masoner is a financial advisor at Merrill based in Dallas, TX, holding a Series 66 designation with six years of industry experience. He previously worked at Merrill Lynch, Fenner, Pierce and Smith Inc and Bank of America, N.A. No additional outside activities are noted. 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.

Robert Black is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and 26 years of industry experience. He has been with Merrill since 2016 and has concurrently worked with Bank of America, N.A. since 2017. Outside of his advisory role, he is a co-owner of Gardner Torrey LLC, an investment business focused on buying, remodeling, and selling homes. 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 a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cherrie Moussaid is a financial advisor with Merrill in Dallas, TX, holding a Series 66 designation and 17 years of industry experience. Her prior experience includes roles at UBS Financial Services and The Talbots Stores. She serves as a co-trustee for a family living trust. 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 various client types.