Elliot Barry is a financial advisor with Mass Mutual Investors Services in St. Augustine, FL, holding Series 63 and Series 65 credentials and possessing nine years of industry experience. He has been with Mass Mutual Investors Services since 2016 and has additional affiliation with MassMutual/First Financial Group starting in 2015. Outside of his advisory role, he is a founding partner of The Forward Financial Group, which offers solutions in both insurance and investments. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, offering event-driven planning services such as divorce and estate settlement planning.

Arjun Bhandari is a financial advisor with Mass Mutual Investors Services in St. Augustine, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at Deutsche Bank Securities Inc and New York Life Insurance Co. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements and offers educational seminars alongside its investment programs.

Nestor White is a financial advisor with Primerica Advisors in Orange Park, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Financial Services since 2000 and has worked with PFS Investments since 1989. Outside of advisory work, he previously operated a business called Court Games, Inc. from 1979 to 2005. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and select separately managed account options in a wrap-fee structure. The firm curates third-party asset managers and uses independent due diligence and delegated trading to implement its investment models.

Michael Higgins is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Bank of America N.A., W&S Brokerage Services, Western & Southern Life, Equity Services, Inc., and National Financial Services Group. He is also a full-time financial representative at Western & Southern Life. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Ellisor is a financial advisor at Ameriprise with 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as Chairperson on the Board of Directors for Tennis 4 Cancer. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm provides tailored Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis, supported by a centralized consulting team and algorithmic tools to assist clients in managing their retirement income.

Robert Tollett is a financial advisor with Edward Jones in Jacksonville, FL, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked for Bank of America/Merrill Lynch for 12 years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Lance Hemmer is a financial advisor with Cetera, holding Series 65 and Series 66 designations and possessing 26 years of industry experience. He has been associated with Cetera and its affiliates since 2016 and operates Hemmer & Associates, Inc. Additionally, he is a part owner of a restaurant franchise and serves as a board member and president of a condominium association. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Edwin Cunningham is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2014. In addition, he has been associated with Vystar Credit Union since 2006 and is involved with Vystar Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Kurt Gerhardt is a CFP® professional with 26 years of industry experience, currently serving at Cetera since 2023. He has prior experience with Cetera Wealth Services, LLC and BCI Wealth & Asset Management. Outside of his advisory role, he coaches youth roller hockey in Jacksonville, FL. Cetera Investment Advisers LLC is an SEC-registered firm delivering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm employs a multi-manager platform allowing advisors to implement a variety of investment strategies across discretionary and non-discretionary accounts.

Eric Gregson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at LPL Financial since 2014 and has been associated with VyStar Credit Union since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Michael Maunz is a financial advisor with Ameriprise in Orange Park, FL, holding a Series 66 credential and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, offering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis through a centralized team to deliver tailored, non-discretionary recommendations.

Michael Turnage is a financial advisor with Primerica Advisors based in Jacksonville, FL. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. His work history includes roles at PFS Investments since 2010 and Primerica Financial Services since 1993. Outside of advisory activities, he works as a contractor for Cerifi, dedicating time monthly to this role. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Kevin Sheehan is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 1995 and Primerica Financial Services since 1994. Prior to his financial career, he worked at McDonnell Douglas Aerospace, a Boeing Company subsidiary, for 37 years. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited selection of separately managed accounts primarily for individual and high-net-worth clients. The firm emphasizes a tiered wrap-fee structure and uses third-party asset managers vetted through an independent consultant.

Graeme Lamb is a financial advisor with Ameriprise in St. Augustine, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce written Recommendation Reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

Jesse Kneiss is an Executive Planning Consultant at Fidelity Investments, a role he has held since 2025. In this position, he works with clients to develop financial plans aimed at helping them achieve their financial goals and ensures they maximize the benefits of their relationship with Fidelity. Jesse has been with Fidelity Investments since 2021, progressing through roles including Investment Solutions Representative I and II, and Benefits & Planning Consultant before his current position. Prior to joining Fidelity, he worked at Bank of America Merrill Lynch from 2016 to 2021, serving as a Relationship Manager followed by a role as Business Owner Specialist. No information about Jesse's education, credentials, personal interests, or community involvement has been provided.

Jesse Dale is a financial advisor at Edward Jones in Jacksonville, FL, holding Series 63 and Series 66 licenses with 11 years of industry experience. His prior roles include positions at Fidelity Investments, Lido Advisors, LLC, and Merrill. Edward Jones is a full-service wealth management firm serving a broad client base of individual and institutional investors, offering various advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Mark Fronczek is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 credentials and 37 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991, alongside a career at Lockheed Martin spanning the same duration. Outside of advising, he is involved in sales of investment-related products and refers home security and automation services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm manages a wrap-fee asset management program using model-delivery strategies and discretionary separately managed accounts, supported by third-party managers and custodians.

Christian Pesante is a financial advisor with LPL Financial based in Saint John's, FL. He holds Series 63 and Series 65 credentials and has experience in related roles dating back to 2020, including work with Integrity Financial Group LLC and Pesante Close LLC. Outside of finance, he has been involved in managing a wedding and events business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by both proprietary research and third-party strategies.

Patrick Hart is a CFP® professional with 18 years of experience in the financial services industry. He is currently with LPL Financial and previously worked at Cambridge Investment Research Advisors, among other firms. Hart owns Concierge Capital Management LLC, through which he provides financial and insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its network of over 22,800 advisors with various investment solutions, including model portfolios, third-party asset management, and institutional platforms.

William Hohmann is a CFP® professional with 26 years of industry experience. He is currently with Cetera and previously worked at Concourse Financial Group Securities Inc and operated advisory firms including Centerpoint Advisory Services Inc. Hohmann also owns Florida Shield Insurance & Advisory, focusing on property, casualty, life, and health insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporations, charities, and institutions, offering portfolio management, financial planning, and retirement services through a multi-manager platform that supports a range of investment strategies and program structures.