Ben Swim

Carlos Miranda is a Senior Financial Advisor at Merrill Lynch Wealth Management in the Redding office, where he has served since 2004. He provides comprehensive financial advice with a focus on college education planning, family wealth management strategies, and personal retirement planning including retirement income. Carlos integrates investment management, retirement planning, banking, and home financing services to meet his clients' needs. Lending services are offered through Bank of America, N.A. (NMLS# 700544). Prior to joining Merrill Lynch, Carlos spent 16 years at UPS, including 12 years in Operations Management, an experience that shaped his approach centered on preparation, execution, and discipline. In 2008, he earned the Chartered Retirement Planning Counselor™ (CRPC™) designation and in 2025, he obtained the Certified Plan Fiduciary Advisor (CPFA®) credential. He emphasizes professional service, confidentiality, and collaboration with clients’ other advisors such as CPAs and tax or estate attorneys to provide a holistic financial strategy. Carlos is actively involved in his community through his work with The Ascension Project, a non-profit focused on the development of youth and athletes, and he previously served as Vice-Chair and Wish Granter for the local Make-A-Wish chapter. He lives in the Redding area with his wife and enjoys interests including antiquing, cooking, tennis, pickleball, and spending time with his family. He holds a High School Diploma from Maxwell High School.

Max Ruffcorn is a Wealth Management Advisor at Merrill Lynch Wealth Management in Redding, California. He specializes in assisting individuals and families with financial planning, portfolio strategy, and legacy planning. Max holds the Chartered Financial Analyst® (CFA®) designation as well as a Personal Investment Advisor (PIA) credential, which support his disciplined, research-driven approach to client relationships. Since beginning his career in financial services in 2006, Max has developed expertise in family wealth management, institutional consulting, legacy planning, liquidity management, personal retirement planning, and philanthropic planning. His approach focuses on building customized strategies that align with his clients’ goals and evolve over time. Max is actively involved in the Redding community, having served as president of Redding West Rotary and currently serving on the boards of the Shasta Family YMCA and the Shasta Library Foundation. Max earned his high school diploma from Clear Lake High School and attended the University of California system without obtaining a degree. He lives in Redding with his wife and two sons. Outside of work, Max enjoys mountain biking, skiing, swimming, yoga, adventure sports, and music.