Joseph Budd

Jerry Parrish is a financial advisor at JLP Investments with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Dempsey Lord Smith, LLC for 15 years before founding JL Parrish Investments Inc. and Parrish Insurance Agency, where he is a licensed insurance producer. JLP Investments serves individuals, retirement plans, trusts, estates, charitable organizations, and business entities by providing fee-based portfolio management, financial planning, retirement plan consulting, and 1031 exchange assistance. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis across various instruments and manages many client accounts on a non-discretionary basis, often through monitored third-party managers.

Ulrike Bittenbinder is a CFP® professional with nine years of industry experience. She has worked at Sapphire Wealth Consulting, Inc. since 2016, with a brief period at Ken Zahn / University of North Florida from 2017 to 2021, and also has experience with Paul A Moir M.D. P.A. from 2012 to 2021. Sapphire Wealth Consulting, Inc. provides investment management, financial planning, and retirement consulting services to individuals, families, high-net-worth clients, and employer-sponsored retirement plans. The firm emphasizes client-specific policy construction and strategic asset allocation, managing both discretionary and non-discretionary accounts with a range of instruments including equities, fixed income, ETFs, private equity, and private credit.

Jeffrey Mcdermott is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Create Wealth Financial Planning LLC in Saint Johns, FL. His prior experience includes roles at Wealth Mode Financial Planning and TIAA-CREF Individual & Institutional Services. Create Wealth Financial Planning LLC serves individual clients, high-net-worth individuals, and small businesses by providing tailored investment management alongside comprehensive and project-based financial planning. The firm focuses on passive portfolio construction guided by Modern Portfolio Theory, using low-cost index funds and ETFs, and offers subscription-style ongoing planning with a one-year minimum commitment.

Julie Betoni is a CFP® professional with 23 years of industry experience, currently serving as the sole advisor at Ignite Financial LLC. Her career includes roles at Raymond James & Associates and Ameriprise Financial Services, Inc. She is also president and managing member of True North Group, LLC, a non-investment-related business entity. Ignite Financial LLC is a fee-only registered investment adviser that provides comprehensive financial planning, discretionary investment management, and pension consulting primarily to high-net-worth individuals, executives, and business owners. The firm uses proprietary model portfolios combined with technical, fundamental, and cyclical analysis within a modern portfolio framework and typically manages accounts on a discretionary basis with ongoing monitoring and rebalancing.

Loyd Pyle is a financial advisor at Section Integrity Wealth Management with five years of industry experience. He holds a Series 65 designation and previously worked for CSX Transportation for 13 years. Section Integrity Wealth Management serves individual clients, including high-net-worth individuals, offering comprehensive wealth management and financial planning with a focus on diversified, tax-aware portfolios. The firm provides discretionary account management, retirement and Social Security planning, and educational seminars, maintaining a small client roster with individually handled accounts.

Joshua Krafchick is a financial advisor at 369 Financial LLC with 12 years of industry experience. He holds a Series 66 designation and has worked at firms including Standfast Asset Management, Cambridge Investment Research Advisors, Bank of America, and Merrill Lynch. Outside of advising, he is an author and public speaker. 369 Financial provides investment advisory and planning services to individual, high-net-worth, business, pension plan, and institutional clients. The firm offers discretionary portfolio management, wealth management, financial planning, and pension consulting, with a focus on client-specific investment policies and a range of investment strategies including ETFs, mutual funds, equities, fixed income, and limited cryptocurrency exposure.