Fernando J Carrillo has been assisting families, individuals and small businesses with their finances since 1998. He joined Merrill Lynch Wealth Management as a Financial Advisor in 2016 after a successful career at companies in both the for-profit and non-profit spheres. Since joining Merrill Lynch Wealth Management, Fernando has focused in helping small business and foundations with the review, improvement and creation of retirement plans for their owners, executives and employees. Fernando is a graduate of Escuela Politécnica del Ejército (Army Polytechnic) in Quito, Ecuador with a B.A. in Finance and Business Administration.