Miami, FL SW 136th St Office

Michael Miranda is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and previously worked at HSBC Securities (USA) Inc. and HSBC Bank USA National Association from 2017 to 2021, as well as at Miura Capital LLC and Murex Capital LLC. He also spent two decades affiliated with FLA International University. 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.

Lynnette Fernandez is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch since 1999. Outside of her advisory role, she is an authorized member and managing partner of limited liability companies involved in rental property management in 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Serre Murphy is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 34 years of experience in wealth management and banking. Based in Coral Gables, he works closely with clients in Coral Gables, Miami, and greater Miami-Dade County, focusing on areas such as Divorce Transition Planning, Managing New Wealth, and Portfolio Management Services. He collaborates with a team of advisors and client associates to provide comprehensive and continuous relationship building. Mr. Murphy holds a Bachelor's Degree from Lake Forest College and an MBA from the University of Miami. He has earned several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Throughout his career, he has worked with firms such as The Bank of New York, NeubergerBerman, Charles Schwab & Co., Inc., and The Northern Trust Company. Outside of his professional work, Mr. Murphy is involved with the community organization Breakthrough Miami and is a member of professional organizations including the Coconut Grove Sailing Club, Knickerbocker Club, and Riviera Country Club. He enjoys activities such as baseball, billiards, bowling, camping, golfing, hiking, reading, skiing, table tennis, and woodworking.

Cassandra Henning is a Wealth Management Advisor with the Simmons Adessi Group at Merrill Lynch Wealth Management. She began her career at Merrill Lynch shortly after graduating from Georgetown University's McDonough School of Business, and she currently serves clients in areas such as managing new wealth, personal retirement planning, and women and wealth. Cassandra focuses on understanding each client's personal and financial priorities to address both near-term needs and long-term objectives like retirement planning and wealth transfer. She uses resources from Merrill and Bank of America to develop tailored strategies, including investment management, retirement planning, trust and estate planning services, cash flow analysis, charitable giving, and education funding. Cassandra is particularly committed to working with next-generation clients to help them navigate the complexities of wealth and build a strong financial foundation. Her credentials include passing the FINRA SIE Examination (May 2023), the Series 7 and Series 66 Qualification Examinations (August 2023), holding a Florida Life, Health & Variable Annuity Insurance License (issued June 2025), and earning the CERTIFIED FINANCIAL PLANNER® certification (August 2026). Cassandra is affiliated with Bank of America and Merrill Lynch Wealth Management. In her personal time, she enjoys football, hiking, music, reading, running, tennis, and traveling.

Luis Caceres Sosa is a Senior Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in helping individuals and families with education planning, executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Luis holds a Bachelor of Science in Finance from Florida State University and a Master of Science in Finance with a concentration in Investments from Florida International University. He holds FINRA Series 7 and Series 66 registrations as well as a Florida 2-15 license for Life, Health, and Variable Annuities. Luis is also a Personal Investment Advisor (PIA) and a member of the Phi Sigma Theta National Honor Society. He follows Merrill's tradition of community involvement and volunteers with local organizations. Outside of work, Luis enjoys basketball, biking, boating, camping, football, music, running, soccer, traveling, and spending time with his family.

Anthony Scicchitano is an International Wealth Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2011. He began his career in the financial services industry in 2005, initially working as an Analyst with an asset management firm specializing in fixed income products. Anthony holds multiple professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Certified Plan Fiduciary Advisor (CPFA). He is a qualified Portfolio Manager who provides traditional financial advice and manages personalized investment strategies, potentially incorporating individual stocks and bonds, model portfolios, and third-party investment strategies. Anthony's expertise includes family wealth management strategies, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He is known for a proactive and client-centric approach, emphasizing clear explanation of the risks, costs, and benefits of each recommended strategy to help clients make informed decisions. He holds a Bachelor's degree from Florida International University, where he double majored in finance and management information systems. Anthony is fluent in English and Spanish. He resides in the Miami area with his wife, Christina, and their two sons. Outside of work, he enjoys adventure sports, golfing, soccer, spending time with his family, and watching movies.

John Molkentin Jr. is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has been with Merrill and Bank of America since 2013. Outside of his advisory role, he serves as a general partner and managing member of a limited liability company and holds a power of attorney position for a fiduciary entity. 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.

John Molkentin III is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked throughout his career with Bank of America and Merrill. Outside of his advisory role, he serves as an advisory board member for the Miami Gator Club and is involved with the stewardship committee at Galilee Baptist Church. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stacy Janney is a financial advisor with Merrill in Miami, FL, holding a Series 66 designation and 36 years of industry experience. She has been with Merrill since 1987. Janney has served as a panel member for the New York Stock Exchange Hearing Board, adjudicating disciplinary matters for NYSE Regulation. 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.

Joseph Beaton is a financial advisor with Merrill in Miami, FL, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has been with Bank of America and Merrill Lynch, Pierce Fenner & Smith Incorporated 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.

Charu Narain is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in providing customized financial strategies to corporate executives, professionals, and business owners. With over 20 years of experience at Merrill Lynch and a prior international banking career in India, Singapore, and South Korea, Charu brings a global perspective to wealth management. She focuses on areas including education planning, executive compensation, family wealth management, legacy planning, retirement income, and socially responsible investing. Charu holds multiple professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), and Certified Plan Fiduciary Advisor® (CPFA®). She earned an undergraduate degree in Economics from St. Stephens College in Delhi University and a postgraduate degree in Management from the Indian Institute of Management. Fluent in English, Hindi, and Spanish, Charu leverages her analytical skills and extensive experience to help clients develop and implement financial strategies aligned with their long-term goals. In addition to her professional work, Charu is involved in the community through her service on the Executive Committee of the Women United Group of the United Way of Miami Dade. She is committed to supporting women's organizations and advancing professional opportunities for women. Her personal interests include music, swimming, traveling, and spending time with family.

Darrell Smith is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in creating personalized wealth management strategies that are adaptable to changing market conditions. Darrell integrates the investment insights of Merrill with the banking and lending solutions of Bank of America to help clients pursue their financial goals. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Darrell earned a Bachelor's Degree from Regis University and holds Master's Degrees from Governors State University and Texas A&M University System. Committed to building strong client relationships, he applies his knowledge and experience to assist individuals and families in making important financial decisions. Darrell supports the tradition of community involvement upheld by Merrill and dedicates time to volunteering with local organizations.

Nicholas Simmons is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been focusing on all aspects of wealth management since 2014. He works with individuals, families, and businesses to help grow, preserve, and pass along their assets. Nick is a qualified Portfolio Manager who provides traditional advice and guidance and builds and manages personalized or defined investment strategies, which may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. He may also manage these strategies on a discretionary basis through the Firm’s Investment Advisory Program. Nicholas holds several professional designations including the Certified Investment Management Analyst (CIMA) designation sponsored by the Investments & Wealth Institute at the Wharton School of Business, the Certified Plan Fiduciary Advisor (CPFA) credential, Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's Degree from Florida International University. His client focus includes family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Outside of work, Nicholas's interests include baseball, football, golfing, and skiing.

Carlos Torre is an International Private Wealth Manager with Merrill Lynch Wealth Management, where he has been since 1994. He holds multiple FINRA registrations, including series 7, 31, 65, 63, 10, and 9, and the CERTIFIED FINANCIAL PLANNER (CFP) certification. Carlos has over 20 years of experience at Merrill, during which he served as Senior Resident Director - International, overseeing the Miami at The Falls office for 10 years. He was named to the Forbes Best-in-State Wealth Advisors list from 2018 through 2026 and was awarded the Merrill Title of Managing Director in 2022. Carlos earned his Bachelor's degree in Business Administration from the University of Miami and an MBA from Northeastern University. He is a qualified Portfolio Advisor capable of recommending individual or combined investment strategies, funds, or portfolios, including Merrill or approved third-party managers' options. His practice focuses on serving families by integrating investment advisory, estate planning services, complex cross-border wealth planning, retirement planning, banking services, and liability management. Fluent in English and Spanish, Carlos is involved in his community as a Boy Scouts of America troop leader and serves on the board for the House of Hope for Costa Rican Children. Outside of work, he enjoys boating, cooking, golfing, scuba diving, and spending time with his family.

Javier Aviles is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he develops personalized financial strategies designed to address clients’ individual goals and changing market conditions. Javier provides access to Merrill’s investment insights along with the banking and lending solutions from Bank of America, assisting clients with comprehensive wealth management. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, institutional investment consulting, services for defined benefit and defined contribution plans, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. Javier holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Florida International University. Fluent in both Spanish and English, he supports a broad client base. Outside of his professional work, Javier is involved in community volunteering aligned with Merrill’s tradition of service. He enjoys biking, running, and spending time with his family.