Angel Ferrer provides strategic advice and reliable leadership to a select group of ultra-high-net-worth individuals and families, helping them expedite their path to their priorities and aspirations. He appreciates the distinctive nature of significant wealth—both its opportunities and its challenges—and supports multiple generations in pursuing greater possibilities for their wealth through in-depth strategy and precise execution. The senior leader of his team, Angel oversees a highly responsive culture that looks to create an impactful experience for clients and the people and causes they value. He harnesses the collective strengths and diverse talents of his team members to deliver the robust suite of capabilities offered by Merrill Private Wealth Management.

With more than 35 years of direct experience, Angel draws on the insights he has gained from serving an elite clientele. He appreciates that client interests and needs often extend beyond the traditional confines of investing and private banking to include commercial lending, capital markets and investment banking. Drawing on a broad network of professional contacts, Angel is skilled in facilitating the connectivity that can help clients gain momentum in advancing their objectives. Formally credit trained, he combines technical knowledge with an intuitive understanding of people and their priorities. Angel prides himself on being an attentive listener, nurturing close-knit client relationships that tend to span decades, more than years.

Prior to joining Merrill Private Wealth Management, Angel spent more than 12 years at Citi Private Bank, where he was the lead relationship manager to some of the Bank’s most significant clients. His private banking career also includes tenures with Wachovia and Northern Trust, where he gained valuable knowledge of wealth structuring and institutional asset management. In 1998, Angel took a two-year hiatus from banking when he served as Director of Investor Relations for UniCapital Corporation. While at UCP, he was instrumental in executing an initial public offering, allowing the company to acquire 17 equipment-leasing companies located throughout the United States. This Wall Street exposure has provided Angel with a seasoned perspective on liquidity-event planning and execution. He began his wealth-management career in 1986 after earning his bachelor’s degree in finance from the University of Miami. Angel is fluent in Spanish and English.

Angel and his wife Lynette have five children, four daughters and a son. He serves on the board of Voices for Children, a nonprofit organization that works to improve outcomes for children in foster care in Dade County. A member of the Riviera Country Club in Coral Gables, Angel enjoys playing golf and traveling in his spare time.

Michael Persinski has more than three decades of investment management experience. He is a Managing Director and Private Wealth Manager for The Ferrer, Persinski & Retana Group at Merrill Private Wealth Management. His responsibilities include creating customized asset allocation and investment portfolios for ultra-high-net-worth individuals, their private companies and foundations. Deeply experienced in multiple asset classes, Michael draws on a broad complement of investment offerings, including fixed income, global equities, private equity, real estate and hedge funds. He is also well versed in capital markets capabilities for both opportunistic investing and hedging. A former member of the Executive Committee for Investments at Citi Private Bank, Michael looks to provide a differentiated level of customization and access to the clients he serves, connecting them with investment capabilities that reflect their unique parameters and objectives.

Michael has worked in investment management since 1988. Prior to joining Merrill Private Wealth Management, he spent 18 years with Citi Private Bank, where he managed the Investment Division for the Eastern Region. While at Citi, Michael also served on the Yield Committee and was integral to the selection of private equity, real estate, and hedge fund investments for the Citi platform. In this capacity, he provided tailored investment advice and guidance to ultra-high-net-worth individuals and families, working from the Miami and Washington, D.C., offices. Earlier in his career, Michael was a Senior Portfolio Manager with NationsBank and was a member of its Global Asset Allocation Committee. Previously, he was a Partner and Senior Portfolio Manager with First Union Bank, where he was co-portfolio manager for its Model Value Portfolio.

Michael earned his M.B.A. from the University of Pittsburgh with a concentration in Investments and his bachelor’s degree in Finance from the University of Maryland. He holds the Chartered Financial Analyst® designation and is a member of the Miami CFA Society.

Michael and his wife Sharon have two adult children: a daughter, Laura, who works in global consulting, and a son, Tommy, who works in venture capital. A member of the Washington Golf and Country Club, Michael enjoys playing golf in his free time.

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Asset allocation, diversification, dollar-cost averaging and rebalancing do not ensure a profit or protect against loss in declining markets. Rebalancing may pose a tax event.

Some or all alternative investments may not be in the best interests for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments. For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Eugenio Retana provides leadership, advice and continuity to ultra-high-net-worth individuals and families, helping them accomplish more with their wealth. He has spent his entire career focused on the needs of an elite clientele, with particular depth catering to multi-generational families with cross-border wealth. For these clients, Eugenio offers the acumen and insight he has gained from unwinding the intricacies that substantial wealth can entail. He supports domestic and global clients in their efforts to preserve dynastic wealth, combining thoughtful strategy with precise implementation.

Wealth creators look to Eugenio to help them grow, steward and transfer their wealth more efficiently. He develops deep relationships with clients, sometimes spanning four generations within a single family. Detail oriented, Eugenio stays closely apprised of the opportunities and challenges that domestic and international clients can encounter, clarifying the intersection of their personal and professional finances. His areas of focus include planning, investment management, capital markets, trust and estate planning services, and access to global banking and customized lending through Bank of America.

Committed to each client’s well-being, Eugenio often becomes a trusted member of a family’s inner circle, deeply knowledgeable about their distinctive situations. That familiarity, he believes, allows him to serve as a single source for diverse needs, drawing on the collective strengths of his team members and the refined suite of capabilities within Merrill Private Wealth Management.

Eugenio has worked in private banking since 2004. Prior to his tenure with Merrill, he spent more than 16 years with Citi Private Bank, ultimately serving as a Banker to the Ultra-High-Net-Worth segment. Earlier in his career, Eugenio worked closely with Citi Private Bank’s largest Latin American families from Mexico and South America, providing them with multi-jurisdictional investment and credit solutions. He earned his M.B.A. and his bachelor’s degree in finance from Florida International University and is fluent in Spanish and English.

Eugenio and his wife Rebecca have three daughters. When they are not out enjoying Miami's sun and sea, Eugenio spends his time restoring classic cars with his father.