Nancy Cosgrove is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with Fidelity and its subsidiary FIDELITY Brokerage Services LLC since 2015. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to diverse clients including retail investors, institutions, and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its roles as a commodity pool operator and adviser to multiple registered funds.

Richard Watson is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 designations and previously worked at BYO Recreation from 2013 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and maintains distinctive roles such as commodity pool operator registration and advisory services to multiple registered investment companies.

Gregory Mericle is a financial advisor at Merrill with 33 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. He holds Series 63 and Series 66 licenses. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Rimmel is a financial advisor at UBS Financial Services with 31 years of industry experience, including 29 years at UBS. He holds Series 63 and Series 65 licenses. Rimmel serves on the board of directors for Light of Life Rescue Mission, a nonprofit assisting families facing homelessness, poverty, and addiction. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

David Doll Jr. is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Kevin Wilson is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients in Northern Florida, Southern Georgia, and beyond through offices in Ponte Vedra, Jacksonville, and Tallahassee, FL. He has been with Merrill Lynch since 1999 and holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Kevin holds Series 7 and 66 FINRA registrations. With more than 25 years of experience in financial services, Kevin specializes in guiding individuals and businesses in areas such as education planning, investment consulting for defined contribution plans, employee financial health, legacy planning, personal retirement planning, portfolio management services, women and wealth, and tax minimization. His approach emphasizes consistent processes, clear communication, and service aimed at helping clients achieve their financial goals transparently and efficiently. Kevin earned a bachelor's degree from Florida State University's College of Business and also attended Auburn University and Universidad de Costa Rica. He is fluent in English and Spanish. Outside of work, Kevin enjoys surfing, golf, soccer, horseback riding, music, reading, running marathons, traveling, and spending time with his wife, Sarah, and their two sons, Marshall and Mac.

Allison Jordan is a Series 66 credentialed advisor at Merrill with 28 years of experience at the firm. She has an additional 2 years in the industry. Outside of her advisory role, she is a part owner and president of a family business that manages rental properties. 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, and institutional investors.

Zachary Carter is a Series 66 licensed financial advisor with Fidelity, based in Jacksonville, FL, with three years of industry experience. His background includes roles at Fidelity Investments and entrepreneurial ventures such as Dreamfield Sports LLC and De La Vega Rum and Tapas. Carter also has experience as a college athlete with UCF Football. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it is noted for its role in managing registered investment companies and delivering model portfolios using systematic methodologies.

Thaddeus Boortz is a Financial Advisor at Merrill Lynch Wealth Management, where he has spent over a decade assisting clients in pursuing their financial goals. Since beginning his career at Merrill following his graduation from the University of South Carolina in 2015, he has developed expertise in legacy planning, personal retirement planning, and retirement income strategies. Boortz holds a Bachelor's degree in Finance with a minor in Economics from the University of South Carolina. He is also a Personal Investment Advisor (PIA), demonstrating his commitment to providing informed and personalized wealth management services. Residing in Ponte Vedra Beach, Florida with his wife and their Australian Shepherd, Boortz enjoys basketball, golfing, and spending time with his family outside of work.

Victor Rivera Marrero is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. Prior to this role, he held positions including Planning Consultant and Workplace Planning Consultant at Fidelity Investments from 2022 to 2024, as well as Client Relationship Advocate - Full Trader from 2020 to 2022. His professional experience encompasses financial consulting and planning, with a focus on personalized and comprehensive financial guidance tailored to clients' unique circumstances, goals, and risk tolerance. He holds insurance licenses in Arkansas and California. Outside of his professional life, Victor enjoys spending time at the beach, engaging in family activities, fishing, and swimming. He values parenthood and caring for pets.

John Brown is a financial advisor with Fidelity Investments based in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has served in various capacities within Fidelity since 2006. Outside of his advisory role, he is the sole proprietor of an outdoor adventure-based life coaching business and is actively involved as a musician and event organizer with a local band. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to offer discretionary and non-discretionary management, including fund advisory services and model portfolios.

Hunter Little Jr. is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with LPL Financial since 2004. Based in Jacksonville, FL, he has held several business names connected to his advisory work at LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm provides a range of financial planning, advisory programs, retirement consulting, and brokerage services supported by proprietary and third-party research.

Chelsey Howell is a financial advisor with Fidelity in Jacksonville, FL, holding Series 66 and Series 63 licenses and bringing two years of industry experience. Prior to joining Fidelity Investments, she held roles in various service and university settings. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing an investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to registered investment companies, and integration of AI-driven research in portfolio management.

Samuel Sirotkin is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses. He has one year of industry experience, including roles at Bank of America, Fidelity Investments, and First Franklin Financial Services. Prior to his financial services career, he was involved in education and youth programs, including positions at several schools and a junior tennis organization. Merrill, along 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 individual and institutional investors.

Dan Keefe is a Financial Consultant currently working at Fidelity Investments since 2022. Prior to this role, he held positions at Bank of America Merrill, including Financial Consultant from 2017 to 2022 and Financial Solutions Advisor from 2009 to 2017. He also worked as a United Kingdom Dealing Team Analyst at Merrill from 2006 to 2009. Dan holds insurance licenses in Arkansas and California. He emphasizes honesty, integrity, and a client-first approach in his work, focusing on understanding clients' financial goals and collaborating to develop plans aligned with their priorities and preferences. Outside of his professional career, Dan has interests in fitness and reading.

John Croshaw is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He collaborates with clients and their families to develop financial plans aimed at anticipating life transitions and preparing clients financially for them. His approach prioritizes client goals and aligns appropriate financial tools and resources to support their objectives. John has extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2011, including Portfolio Specialist, Managed Accounts Client Management Representative, Investment Solutions Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2009 to 2010. He holds insurance licenses in Arkansas and California. Outside of his professional career, John has interests in baseball, boating, football, golf, traveling, and food.

Van Tran is a Series 66-licensed financial advisor with 18 years of industry experience, currently affiliated with J.P. Morgan Securities in Jacksonville, FL. Prior to joining J.P. Morgan, Van worked at Merrill Lynch/Bank of America for eight years and is the owner of Vanovations, an event planning and floral design business. She also provides part-time office support for a tax services firm. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset allocation advice, manager searches, and customized performance reporting using a quantitative and ESG-integrated approach.

Michael Competiello is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services since 2017. Prior to that, he held positions at Ryder Transportation and GE Capital. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory solutions.

William Kral is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2020 and previously spent 15 years at Dalton Agency. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Beatty is a financial advisor at Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.