David Heykens is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and one year of industry experience. His prior work includes positions at the University of North Florida, MWR Mayport, and Florida State University. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm uses a variety of third-party programs and discretionary management models to serve a diverse client base.

Casey Bulgin is a financial advisor with Raymond James & Associates in Jacksonville, FL, holding a Series 66 credential and bringing 23 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, Bulgin serves on the advisory board of Health Education To Reduce OBS and participates in the finance committee at Timuquana Country Club. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Louis Smith III is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He has worked with Lincoln Financial Securities Corporation and has maintained his own business, AccountFirst, Inc., since 2003. Smith also serves as a moderator for courses at The American College. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides tailored investment strategies through multiple platforms and emphasizes both proprietary and third-party model strategies.

Jack Bayer is a financial advisor at Raymond James & Associates with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2017. Prior to that, he was employed by J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2008 to 2017. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Timothy Monahan is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He co-founded the Monahan & Todd Wealth Management Group in 2012, where he and his team provide customized wealth management solutions to high net worth families, professionals, and business leaders. His focus areas include retirement planning, asset preservation, and wealth transfer. Tim began his career in financial services shortly after graduating from Hampden-Sydney College in 1994, where he earned a bachelor's degree and was actively involved in leadership and volunteer roles. With over 30 years of experience in the industry, he has developed expertise in portfolio management, family wealth strategies, and philanthropic planning. He holds the CERTIFIED FINANCIAL PLANNER® certification and the Personal Investment Advisor designation. Tim resides in the Ortega neighborhood of Jacksonville with his wife and three children. He and his family are active members of St. Matthews Catholic Church. His personal interests include offshore fishing, competitive sailing, boating, cooking, football, scuba diving, traveling, and spending time with his family.

Curtis Kroll is a financial advisor with Wells Fargo Clearing based in Jacksonville, FL, holding a Series 66 designation and eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Aerotek and the University of North Florida. 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.

Nicholas Courtney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides wealth management services for families and institutions, combining his experience with the resources of Merrill Lynch. His expertise includes wealth planning strategies such as retirement and education planning, trust and estate services, tax minimization, asset preservation, investment management including portfolio construction and market strategy, as well as business and personal banking solutions from Bank of America. Courtney holds a Bachelor's Degree from the University of North Carolina at Chapel Hill and is a Personal Investment Advisor. He is part of the Courtney family tradition of financial advising, which has been associated with Merrill Lynch since 1949. In his community involvement, Nicholas serves on the St. Johns Country Day School Board of Trustees and is involved with professional organizations including the Meninak Club of Jacksonville and the UNC General Alumni Association. He has also held leadership roles in several Jacksonville-based community organizations. Outside of his professional work, Nicholas enjoys spending time with his family, engaging in music, and participating in outdoor activities.

Adrian Lewis is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Wells Fargo Clearing and previously worked at Charles Schwab Bank, Charles Schwab, and several insurance firms. 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.

Andrew Stash Jr. is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and economic modeling techniques.

Pamela Cao is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and four years of industry experience. She has worked at firms including LPL Financial and Fidelity Investments prior to joining Thrivent. Outside of her advisory role, she manages a rental property in Jacksonville, Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning that covers a wide range of topics and can be combined with managed-account programs under a consolidated billing option called “WealthPlan.”

Douglas Tutwiler is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of the Courtney, Patrick & Tutwiler group. He focuses on retirement strategies for both businesses and individuals, advising corporations on their retirement programs. Doug holds the Retirement Benefits Consultant designation, awarded to a select group of advisors who have completed a rigorous assessment and training program in the Institutional Retirement Plan space. His services also include investment advice, wealth transfer, and legacy planning tailored to multigenerational families. Before joining Merrill Lynch in 2015, Doug spent six years at Deutsche Bank in Foreign Exchange Sales, gaining experience on Wall Street. He earned a bachelor's degree in Finance with a minor in Anthropology from the University of Florida. Doug resides in Ponte Vedra Beach with his wife, Paige, their daughters Graham, Cody, and Blake, and their sons Bennett and Chase.

Caroline Manning is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Mccann is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2011. He is involved with multiple business entities, including ownership of a personal LLC where he manages his commissions and a branch support company in Jacksonville. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Andrea Sosa is a financial advisor at Merrill with a Series 66 credential and seven years of industry experience. She has worked at Merrill since 2018 and previously spent three years at Bank of America. 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.

Thomas Tiner is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo in various capacities since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a network of over 14,000 advisors.

Anne Egan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and has 29 years of industry experience. She has been with Merrill since 1990. Outside of her advisory role, she serves as a power of attorney in a non-investment-related capacity. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Shepard is a financial advisor with Raymond James & Associates in Jacksonville, FL, holding Series 63 and Series 66 licenses and eight years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Shepard is involved in several nonprofit organizations, including serving as founder and board member of the Gator Club of Jacksonville and CEO of Gateway To Hope, Inc., a nonprofit focused on feeding the hungry and assisting ex-prisoners. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

Jennifer Sturm is a financial advisor at Raymond James & Associates with 23 years of industry experience. Her prior roles include positions at PNC Investments, BBVA Wealth Solutions Inc., BBVA Securities Inc., BBVA Compass Insurance Agency, and COMPASS Bank. She holds Series 63 and Series 65 designations. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supported by extensive research and affiliated sub-advisers.

Richard C. Fannin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at UBS Financial Services Inc. for nine years before joining Wells Fargo in 2019. Outside of his advisory role, he serves as a race director for New World Sports in Jacksonville, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Robertson is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC, along with 18 years at Wachovia Bank, N.A. Robertson serves as a finance committee member for Holy Family Catholic Church in Jacksonville. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven investment approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.