El Paso, TX 4699 N Mesa St Office

Emmanuel Molina is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to address their financial priorities by developing strategies aligned with their unique goals and stories. Emmanuel's background includes lending, banking, and financial counseling, which he leverages to provide personalized guidance and connect clients with resources available through Merrill and Bank of America. His areas of focus include college education planning, liquidity management, personal retirement planning, tax minimization, and managing new wealth. Emmanuel holds professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a High School Diploma from Montwood High School and is fluent in English and Spanish. Outside of his professional role, Emmanuel is involved with Mision de Gracia Church. His personal interests include cooking, golfing, music, spending time with his family, tennis, traveling, and watching movies.

Richard Joens is a financial advisor with Merrill in El Paso, TX, holding a Series 66 designation and 21 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006, following a year at Morgan Stanley DW Inc. 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.

Kristine Marcum is the Senior Resident Director at Merrill, where she provides financial solutions and guidance to clients, teammates, and the community. She has been working in the financial advisory field since August 2000, serving individuals, business owners, families building wealth, and retirees. Kristine holds a Bachelors degree in interdisciplinary studies and a Masters degree in education, both from the University of Texas at El Paso. She possesses several FINRA registrations, including Series 7, Series 9, Series 10, Series 31, and Series 66, and holds professional designations such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her expertise includes college education planning, divorce transition planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, portfolio management services, small business strategies, and women and wealth. She is actively involved in community organizations, including Borderplex Alliance, CASFV, El Pasoans Fighting Hunger, Executive Forum, Kids Excel El Paso, and YWCA Paso Del Norte Region. Kristine enjoys spending time with her blended family, which includes her husband Alfonso, three sons, a daughter, and three grandsons. Her personal interests include baseball, cooking, dancing, football, reading, traveling, and watching movies.

Ricardo Tovar is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2015. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Clarissa Delgado is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James & Associates and Bank of America, N.A. Outside of her advisory role, she is a 50% owner of two for-profit businesses in Mexico related to natural supplements, which are managed by her husband, and she also works as a consultant selling kitchen appliances. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dwayne Cates is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, beginning his career at Merrill Lynch in 1999. His professional background includes roles in operations, client services, and compliance, having worked at Merrill Lynch, optionsXpress as a Compliance Manager, Wells Fargo Investments, and Marcum Team. He holds FINRA registrations including Series 7, Series 66, and Series 24. Dwayne's expertise encompasses corporate benefit programs such as equity compensation, defined benefit and contribution plans, and nonqualified deferred compensation. He focuses on areas including family wealth management, retirement planning, tax minimization, socially responsible investing, and investment strategies for individuals and corporations. His approach integrates corporate benefits into long-term financial planning for executives. Dwayne earned a High School Diploma from Andress High School and holds the Personal Investment Advisor (PIA) designation. He is engaged in his community through volunteering and pursues personal interests such as adventure sports, biking, boating, dancing, hunting, music, pickleball, traveling, and spending time with his family.

Jesus Castellanos is an International Wealth Advisor at Merrill Lynch Wealth Management, where he has worked since 1996. He provides financial advisory services for both US and international private clients and organizations, focusing on delivering dynamic solutions based on clients' risk tolerance, time horizons, liquidity needs, investment goals, and associated costs. As a qualified Portfolio Manager, Jesus manages discretionary Personalized or Defined Strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. He collaborates with partners in developing investment ideas to help clients navigate the evolving global investment marketplace. Jesus holds the CERTIFIED FINANCIAL PLANNER™ certification, as well as designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor of Business Administration degree with majors in Finance and Economics from Texas Tech University, Lubbock, and holds both a Master of Business Administration and a Master of Public Administration from the University of Texas at El Paso (UTEP). He is a member of professional organizations such as the El Paso Estate Planning Council, Financial Planning Association, and Rio Grande Economics Association. Fluent in Spanish and English, Jesus is involved in his community through memberships including the El Paso Chamber of Commerce—LEP Class 37 and the El Paso Estate Planning Council. Outside of his professional responsibilities, he enjoys biking, running, swimming, and woodworking. He resides with his wife Anabel and their four children.

Carlos Fernandez is an International Wealth Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2002 and specializes in developing strategies for high-net-worth individuals, their families, and their businesses. His work focuses on aligning financial solutions with clients' risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. Carlos employs a client-centered and consultative approach to wealth management. He begins by gaining a thorough understanding of each client’s financial needs, then formulates asset allocation recommendations that reflect their income and growth expectations. He and his team maintain ongoing communication to ensure that the wealth management strategy continues to align with clients' personal financial goals. His expertise extends to serving international clients with considerations such as currency hedging, financial privacy, capital preservation, and estate planning. He holds a Bachelor of Science degree in engineering (1997) and a Master’s in Finance (2001) from Instituto Tecnológico de Monterrey, as well as an M.B.A. from Pepperdine University (2002). Carlos is a Personal Investment Advisor (PIA) and is fluent in Spanish and English. Originally from Mexico City, he resides in El Paso, Texas, with his wife, Chantal, and their children.

Mario Lopez is a financial advisor with Merrill in El Paso, TX, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2011 and at Bank of America, N.A. since 2012. Outside of his advisory role, he formerly owned and operated a martial arts school through Zen Jiu Jitsu, LLC, which is now dormant. 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 individual, high-net-worth, corporate, pension, and charitable clients.

Janeth Valenzuela is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, previously employed by Southwest University and Bank of America. Outside of her advisory role, she is a beneficiary of a family business, Yahweh F.P.M LLC, established for spouse-related purposes. 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.

Paulina Rodriguez is a financial advisor with Merrill in El Paso, TX, holding a Series 66 designation and eight years of industry experience. Her prior work history includes roles at Bank of America and JMAS. Merrill and its affiliate Managed Account Advisors LLC provide 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.

Ricardo Alarcon is a financial advisor with Merrill in El Paso, TX, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Wells Fargo Advisors and Bank of America, N.A. Outside of his advisory work, he is the general partner and managing member of Soapy Paws Self Dog Wash LLC, a self-service dog wash business in El Paso. 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.

Alejandro Guevara Contreras is a financial advisor with Merrill in El Paso, TX, holding a Series 66 designation and nine years of experience. His work history includes multiple roles at Merrill since 2017, along with positions at Utep, Alorica Business Solutions, and Conduent Business Services. 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.

Divia Correa is a Financial Advisor specializing in providing advisory services to both US and International Private Clients and organizations. She works within Merrill Lynch Wealth Management to deliver personalized wealth management strategies tailored to her clients' individual financial goals, risk tolerance, time horizon, and liquidity needs. Divia's expertise encompasses a range of focus areas including Corporate Executive Services, Education Planning, Family Wealth Management Strategies, Managing New Wealth, Personal Retirement Planning, Philanthropic Planning, Small Business Strategies, and Women and Wealth. Alongside her team and Merrill's internal partners, she develops customized planning and investment solutions designed to implement strategic financial plans. She holds a Bachelor's Degree from the University of Phoenix and professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). Divia is bilingual, fluent in English and Spanish. Outside of her professional role, she participates in community activities such as volunteering with the Abundant Living Faith Center. She enjoys music, reading, running, spending time with her husband Javier and their three children, and traveling.

Stefanie Welsch is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. She previously worked at Bank of America, N.A. and has five years of experience in homemaking. Outside of her advisory role, she is actively involved in the Junior League of El Paso and serves in leadership positions with the El Paso del Norte Stanford Alumni Club. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, and institutions with model-based and discretionary investment strategies developed by internal and third-party managers.