Ray Prospero



We understand that managing your wealth can seem complex and challenging. At Ridgeway, Egizi & Associates we strive to simplify your financial life. Led by senior partner, Ron Ridgeway, our financial advisors have over 70 years of collective experience providing insightful and thoughtful wealth management advice and guidance.

Ronald E. Ridgeway
Senior Vice President
Wealth Management Advisor
Senior Portfolio Manager

With a financial services career that started in 1978, Ron relishes in guiding clients along the path to their financial future. He joined Merrill Lynch in 1994 and advises individuals, small business owners, corporations, nonprofit organizations and public agencies. As the veteran of the team, Ron defines the investment philosophy and discipline. Ron is a specially qualified Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Senior Portfolio Managers are provided a high degree of flexibility in constructing portfolios and selecting securities. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Manager may manage his strategies on a discretionary basis. After meeting certain additional requirements, a Senior Portfolio Manager may use his own strategies to manage the assets of clients working with other Merrill Lynch Advisors”. He holds the designations of Certified Divorce Financial Analyst® (CDFA®) and Chartered Retirement Planning CounselorSM (CRPC®). Ron received a bachelor's degree from UC San Diego and a master's degree from UC Riverside.

Ron serves on the Planned Giving Board for UC Riverside. Additionally, he has taught investment courses at UC Riverside, Santa Ana College and Rancho Santiago Community College.

Dennis D. Egizi
Vice President
Senior Financial Advisor
Portfolio Manager

Dennis began his career in financial services in 1998. He focuses on simplifying clients' lives by making complex financial strategies easier to understand and execute. Dennis thrives on building strong relationships with clients and guiding them as they pursue their goals. In addition to client service, he focuses on portfolio management. Dennis holds the Chartered Retirement Planning CounselorSM (CRPC®) designation and earned his bachelor's degree from CSU San Bernardino.

A former board member, Dennis continues to stay actively involved with the Juvenile Diabetes Research Foundation (JDRF). He is also a member of Canyon Crest Country Club. When not working, Dennis enjoys family camping trips and is an avid golfer. He and his wife, Danika, and their children, Dane, Daphne and Darla, live in Riverside, California.

Ray Prospero
Senior Financial Advisor
Senior Portfolio Advisor

Ray launched his financial services career when he joined Merrill Lynch in 2010 after a legal career, where he was admitted to the U.S. Tax Court.* Ray enjoys helping clients develop realistic financial goals and designing wealth management strategies to help preserve their wealth for future generations. He holds a Juris Doctorate degree from the University of La Verne College of Law.

Giving back to the community is important to Ray. He serves on the board of directors for LifeStream, a nonprofit, comprehensive blood center serving more than 80 medical facilities in Southern California. He is also a former board member of the Corona-Norco United Way and is actively involved in the Circle City Rotary club, as well as his local church. In his free time, Ray enjoys hiking, golfing and spending time with his wife, Amy, and their four children.

Alexandra Dodds
Financial Advisor

Alexandra embarked on her financial services career in 1999 with a focus on banking and relationship management for individuals, families and successful business owners. She later joined Merrill Lynch in 2015. She earned her B.S. at UC San Diego, Revelle, in 2006. Alexandra is dedicated to every client and implements a holistic approach in developing a meaningful strategy to help clients reach their goals and realize their financial potential. She is passionate about supporting women in their growing need and pursuit to manage their wealth.

Alexandra is a member of the Temecula Valley Womens Club, provides mentorship to students through local STEM Programs and supports organizations such as Rancho Damacitas, Parkinson Disease Foundation and Juvenile Diabetes Research Foundation. Alexandra resides in Winchester and enjoys running, fishing and spending time with her daughter.

Rosa M. Torres
Client Associate

A vital member of Ridgeway, Egizi & Associates, Rosa joined Merrill Lynch in 1995. She is responsible for operational support of the team, as well as account administration for clients. Hardworking and friendly, Rosa is committed to delivering prompt and reliable service to all clients. She enjoys traveling, reading and spending time with her grandchildren. Rosa lives in Fontana, California with her husband Luis.

Cecy Tahan
Client Associate

Cecy joined Merrill Lynch in 2014 and assists Rosa with the operational and adminstrative support of the team. Cecy manages the team calendar and is responsible for scheduling all of the client reviews and meetings. She is passionate about providing proactive and timely service to our clients and their families. Cecy, along with her husband and daughter, live in Riverside, California.

*Ray does not provide tax or legal advice in his current role at Merrill Lynch *CDFA® and Certified Divorce Financial Analyst® are trademarks of The Institute for Divorce Financial Analysts™. *CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College of Financial Planning.

Our advisors and client associates are actively involved in the communities they serve. They devote significant time, energy and resources to help create positive change in the areas in which they live and work. Our team is enthusiastically involved with assisting charitable organizations such as LifeStream, Rotary and JDRF


    University of La Verne

Professional Staff

Supported by the global resources of Merrill, my team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Where do we begin? It starts with you.

At Merrill Lynch Wealth Management, your financial advisor focuses on the things you care about most- family, goals and priorities - even as they change over the years.

Understanding Your Life


My mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. I help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. My wealth management approach is about using wealth to help turn goals into reality.


I believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, I will work with you to develop strategies designed to help address your financial needs.


I begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, I start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment I can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, I help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.


My process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investment management. My ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from Bank of America offers a way to help clients manage all of the pieces of their financial lives. I view myself as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Focus On Individuals and Families

I work primarily with high-net-worth individuals and families. I’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals

I work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.


Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help you stay on track to achieve what's most important to you.

<br />Regular reviews to help you stay<br />on track

Regular reviews to help you stay
on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

    <br />Monitoring changes in your life<br />and to your goals

    Monitoring changes in your life
    and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

    Wealth Management Your Way

    MyMerrill is your online and mobile destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    It’s easy to seamlessly integrate your Merrill Wealth Management and Bank of America banking accounts online and through our mobile apps with a single click

    You can manage account security with our customizable security capabilities such as Face ID/Touch ID, one time passcode and other security features

    Your advisor is a click away through our Secure Inbox and texting application

    Access to your complete financial life is available with Spending & Budgeting, integrating your Merrill and Bank of America activity into a powerful tool to track your expenses and income

      Let’s Have a Conversation

      Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, I can help you create a financial strategy that reflects your personality. Only then can I offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

      Why Merrill Lynch?

      As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


      We put you first, every day.
      Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

      Personalized advice from a dedicated financial advisor.

      Getting to know you is our primary goal.

      A comprehensive approach, built around your life’s priorities.

      Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

      Adjusting your plan as your life and the markets change.

      We will work to help you stay on track, regardless of what the markets are doing.