Joshua Owens is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America N.A. since 2023 and with Merrill Lynch, Pierce, Fenner & Smith since 2015. Outside of his advisory role, Owens serves as a board member for the East Village Townhomes homeowners association in Jacksonville, FL. 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 plans, corporations, and charitable organizations.

Onycha Baker is a Senior Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER™ designation awarded by the Certified Financial Planner Board of Standards, Inc. She earned both her bachelor's and master's degrees from Florida Agricultural & Mechanical University. Onycha's career with Merrill Lynch began in 2008, during which she has provided individual investors with financial advice and wealth management planning. She specializes in areas including divorce transition planning, education planning, family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Onycha offers customized financial strategies for high net-worth individuals, retirees, families, and business owners, focusing on understanding clients' perspectives to help meet their financial goals. Outside of her professional work, Onycha is involved with the COP Youth Choir as a musician and has interests in cooking, interior decorating, music, spending time with family, and traveling.

David Prizzia is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 credentials and four years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Northwestern Mutual, and Deutsche Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources to inform investment decisions.

Dimitrios Kavalieros is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, Dimitrios focuses on developing personalized financial strategies to help clients pursue their long-term goals. He integrates investment insights from Merrill Lynch and banking solutions from Bank of America to create flexible approaches suited to changing market conditions. He holds multiple professional designations, including Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Dimitrios earned his bachelor's degree from the University of Florida. Committed to the Merrill tradition of community involvement, Dimitrios spends time volunteering with local organizations. His approach centers on working collaboratively with clients to understand their financial picture and tailor strategies that align with their priorities.

Rachael Naylor is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Robert Rafacz is a financial advisor at LPL Enterprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides advisory and brokerage services, utilizing an integrated platform that combines financial planning, model portfolios, third-party asset management, and insurance products.

Antonio Conticelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 27 years of experience in the financial services industry and joined Merrill Lynch Wealth Management in 2012. Antonio works with high-net-worth individuals and families to understand their priorities and provide personalized attention and disciplined, customized strategies. He helps clients identify their primary financial goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. His approach encompasses a range of investment options such as equities, fixed income, alternative investments, options, and ETFs. Additionally, he offers clients access to banking, credit, and lending services through Bank of America, N.A. Antonio holds a Bachelor's degree from Mount Saint Mary's University and the Merrill designation of Personal Investment Advisor (PIA). He is a past member of the Mount Saint Mary's University President's Council. He speaks both English and Italian. Antonio and his wife Barbara reside on Amelia Island, FL. They have been married for over 46 years and have two children and two grandchildren. Antonio is actively involved in his community as a lector and a member of the Finance Council at St. Michael Catholic Church in Fernandina Beach, FL. Clients have entrusted Antonio and his team with over $425 million in client balances as of January 1, 2025. Through his work, he aims to craft financial strategies designed to help clients pursue their long-term goals, while managing and preserving wealth for current and future generations.

Marcella Coppola is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 65 and Series 63 registrations and eight years of industry experience. Her work history includes roles at Wells Fargo Bank, TD Bank, JP Morgan Chase, and Englewood Savings and Trust. Outside of finance, she works part-time as a cashier in a grocery business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Brad Rude is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held multiple roles at Morgan Stanley and Morgan Stanley Private Bank from 2012 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Ingrid Gonzalez is a Series 66–licensed financial advisor at Merrill with 11 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she co-owns a family rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tutana Partsvania is a financial advisor with Merrill Lynch Wealth Management, serving clients as an FSA. She focuses on connecting clients to tailored plans and processes that align with their unique financial ambitions. Her work involves assisting individuals in planning for various personal goals, including funding education, preparing for retirement and healthcare expenses, and developing long-term family financial strategies. Tutana emphasizes understanding her clients' personal perspectives and priorities to create transparent and straightforward investment solutions. She holds a Bachelor's degree from Tbilisi State University and applies a client-centered approach to wealth planning, helping clients navigate the complexities of financial management.

Cameron Edmiston is a financial advisor with Wells Fargo Advisors holding a Series 66 designation and 11 years of industry experience. He previously worked at Bank of America and Merrill from 2014 to 2025 before joining Wells Fargo Advisors Financial Network. Based in Jacksonville, FL, he has been with Wells Fargo clearing and advisory teams since 2025. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services and integrates advisory offerings with other financial product lines through a network of financial advisors.

Todd Grovenstein is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at FSC Securities Corporation for 31 years before joining OSAIC in 2023. Outside of advisory work, he owns a sole proprietorship involved in reviewing client life and annuity policies and operates a real estate business managing tenant relations and property maintenance. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through various advisory platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes, offering discretionary and non-discretionary account management options.

Charles Gersbeck is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Outside of his advisory role, he serves as a board member for the Lighthouse Point Townhomes Homeowners Association. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Andrew Whitaker is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Osaic since 2023. He previously worked at Concourse Financial Group Securities Inc and Community First Credit Union. Whitaker is also the owner and financial planner of Gold Tree Financial, an independent S corporation offering registered investment products and insurance solutions. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm provides integrated brokerage and advisory services, employing a range of asset allocation tools and third-party platforms to manage discretionary and non-discretionary accounts.

Philip Hawkins is a financial advisor with Morgan Stanley in Amelia Island, FL, holding a Series 63 license and with 32 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Archie Jenkins III is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has previously worked at Merrill and Bank of America and currently serves as a Trustee/Co-Trustee in a trust-related activity outside his advisory role. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using advanced modeling tools and offers a wide range of investment and planning solutions.

Kyle Potter is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Citigroup, Pruco Securities LLC, Mantay and Company, and Logiro Unchartered Pty Ltd. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Jeffrey Newman is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 11 years of industry experience. Prior to joining Raymond James, he worked at New York Life Insurance Company and Deutsche Bank Securities, among other firms. Newman serves on the board of the Northeast Florida Estate Planning Council and is involved in life insurance sales through Jones Lowry LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides non-discretionary planning tailored to client goals and supports a wide network of advisors with a variety of programs and consulting services.

Brian Mojica is a financial advisor at Morgan Stanley with nine years of industry experience. He previously worked at UBS Financial Services before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2022. He holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and modeling techniques as part of its financial planning process.