Nicholas Ramirez is a Financial Advisor with Merrill Lynch Wealth Management. He is dedicated to building relationships rooted in transparency, trust, and candid advice. Nicholas focuses on understanding clients' full financial pictures and what matters most to them in order to create strategic and flexible financial plans that address life's challenges. Nicholas brings expertise in personalized wealth management strategies, emphasizing meticulous planning tailored to individuals’ unique goals, risk tolerance, time horizons, and liquidity needs. He supports clients in pursuing their financial objectives, including retirement planning, business growth and exit strategies, asset protection, and legacy planning. He also leverages the investment insights of Merrill alongside the concierge banking and lending solutions offered by Bank of America. Nicholas earned a Bachelor's Degree from Saint Leo University and holds the Personal Investment Advisor (PIA) designation. He is a member of the Association of Latino Professionals for America and is fluent in English and Spanish.

Sheryl Duran is the Resident Director at Merrill Lynch Wealth Management, serving as the relationship manager for JD & Associates, a team dedicated to providing personalized financial advice and guidance. Since joining Merrill in 2015, she has focused on helping clients align their finances with their goals and priorities through comprehensive wealth management strategies. Her approach involves discovering clients' unique concerns and creating long-term plans collaboratively with other professionals to enhance success. Sheryl began her career in financial services in banking in 2003 and transitioned to investments in 2006. She holds several professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her education includes a high school diploma from Ramona Convent Secondary School, with some college coursework at Western New Mexico University and New Mexico State University. She is involved in several professional organizations such as the Association of Latino Professionals for America, Better Money Habits, and The Women's Exchange. Originally from Southern California, Sheryl has called Las Cruces, New Mexico, home since 1995. Outside of work, she spends time with her husband, Paul, their two sons, and their pug, enjoying activities such as RV and cruise travel and volunteering in the local community. Her community involvement includes contributions to Catholic Charities of Southern New Mexico, Boy Scouts, Money Smart Week, and other local organizations.

John Jacobs is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1985. He is the lead investment strategist and director of the JD & Associates team and a Senior Portfolio Manager who manages personalized and defined strategies, incorporating a range of investment options to help clients pursue their financial objectives. John's expertise encompasses areas such as college education planning, family wealth management, legacy planning, philanthropic planning, portfolio management, tax minimization, and retirement income. John holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Portfolio Manager (CPM), Chartered Retirement Planning Counselor (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned both his Bachelor's and Master's degrees from New Mexico State University. John is also a former Army Airborne Ranger and has served as an officer in the National Guard. In addition to his professional work, John is active in his community through involvement with organizations such as the Dyslexia Institute, Gospel Rescue Mission, Junior Achievement, and Tutti Bambini. He resides in Las Cruces with his wife, Kelly, and their three children. John enjoys outdoor activities including boating, adventure sports, horseback riding, ice hockey, pickleball, surfing, swimming, and traveling.