Igor Chernetskiy is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at PFS Investments Inc. and Primerica Financial Services. Outside of advising, he is involved in several transportation and logistics businesses where he holds leadership positions. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients primarily through model-driven investment strategies. The firm operates at scale with thousands of advisors and offices, offering various model portfolios supported by third-party asset managers and custodial services.

Christopher Devito is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 66 designations. Prior to his current role, he worked at Wells Fargo Bank and Chase Bank. 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 solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Terrance Ray is a financial advisor at Thrivent Investment Management with credentials including the Series 63 and Series 66 licenses. He has over 20 years of experience in the insurance industry, including roles at Allstate Insurance Company and Triumph Insurance Group, LLC. Outside of his advisory work, he serves as a pastor at Christ in Action International, Inc. and holds a treasurer position on a local homeowners association board. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and broad financial planning topics such as retirement, income tax, estate, and business continuation planning. The firm offers planning as a standalone service without portfolio management or institutional advisory roles, allowing clients to combine planning with managed accounts under a consolidated billing option.

Franklin Beard is a financial advisor with UBS Financial Services in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with UBS since 2002. Outside of his advisory work, he is a partner in Underbelly Productions Inc., a live music venue and hospitality business. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management solutions and offers a broad range of capital markets services.

Eric Steen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the financial services industry in 2013 after spending 13 years managing a family business. Eric takes a disciplined approach to long-term wealth planning that aligns with clients' personal financial goals. He emphasizes a tactical approach supported by investment insights from Merrill and comprehensive banking and lending solutions through Bank of America. Eric's expertise covers education planning, equity compensation services, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Eric earned a bachelor's degree from Nichols College and a master's degree from the University of North Florida. Outside of his professional role, Eric is a commissioned officer in the Florida Army National Guard and an active member of that organization. He is married with three sons and enjoys sports such as baseball, basketball, football, soccer, and pickleball, in which he competes. His personal interests also include chess, cooking, hiking, traveling, watching movies, and spending time with his family.

Edugie Ekuase is a Series 66 licensed financial advisor with J.P. Morgan Securities in Jacksonville, FL, with two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, he worked at Thrivent Investment Management. Outside of his advisory role, he has tutored finance and science courses through Varsity Tutors. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Eric Terwilliger is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has held various roles at Fidelity Investments since 2019, including Regional Center Planning Consultant, Investment Solutions Representative III, Investment Consultant, Investment Solutions Representative, Premium Client Service Representative, and Client Relationship Advocate. Prior to joining Fidelity, he worked as a Personal Banker at BB&T from 2018 to 2019. Eric collaborates with clients in holistic financial planning, focusing on helping them reach their aspirations through strategies that cover saving for the future, retirement, and wealth growth. He aims to validate client concerns, celebrate accomplishments, and expand goals to co-create and implement financial plans and investment strategies. He holds insurance licenses in Arkansas and California.

Linda Forte is a CFP® professional with 40 years of industry experience, currently serving as a financial advisor at Ameriprise in Ponte Vedra, FL. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she has involvement in commercial real estate ownership. Ameriprise is an institutional firm that offers a retirement-income planning service targeting clients with significant investable assets, delivering structured, research-driven recommendations through a centralized consulting team in partnership with financial advisors.

Joseph Jasmin is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Wells Fargo Clearing, he worked at Fidelity Investments and Fidelity Brokerage Services LLC. Outside of his advisory work, he is an independent contractor delivering packages for Amazon Flex. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering discretionary investment management options.

Jackson Neri is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to his current role, he was involved in photography, videography, and drone piloting through his business, East Coast Virtual Tours. UBS Financial Services offers brokerage and investment advisory services to individual, corporate, and institutional clients, combining proprietary research and model-based asset allocations to create tailored financial plans. The firm also provides a range of capital markets services alongside wealth management.

Thomas Scott Jr. is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Agia and Valic Financial Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with both discretionary and non-discretionary management supported by in-house and third-party research.

Stuart Poplin is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and having one year of industry experience. Prior to joining Equitable Advisors, he worked at HD Supply and Fanatics Inc. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management services through a network of Investment Adviser Representatives and utilizes third-party program sponsors and discretionary managers for many of its advisory models.

Joey Meininger is a financial advisor with Edward Jones in Jacksonville, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he served 25 years in the United States Air Force. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of advisors and branch offices.

Maggie Miller is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and having two years of industry experience. Her prior roles include positions at Cresset Asset Management, CH Investment Partners, Crow Holdings Capital, and J.P. Morgan Securities. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, utilizing structured financial planning tools and maintaining a large portfolio of client assets. The firm provides tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Nicole Nishimoto is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. She previously worked at Merrill, Capital City Bank, and SunTrust over an eight-year span. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser serving individuals, institutional clients, charitable organizations, and public entities. The firm offers financial planning and non‑discretionary investment consulting, relying on fact-based analyses and a range of portfolio management styles supported by affiliated research and model managers.

Sarah Miller is a CFP® and holds a Series 66 license with 13 years of industry experience. She has been with Equitable Advisors since 2013 and previously worked at AXA Advisors, LLC. Miller serves as the Social Media Chair for the Jacksonville chapter of the National Association of Divorce Professionals and acts as a scribe for collaborative divorce cases. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a variety of advisory models implemented through third-party managers and offers a range of investment options including mutual funds, ETFs, and select alternative investments.

Michael Marshall is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Compass Bank, BBVA Wealth Solutions, and Cambridge Investment Research. He is based in Jacksonville, FL. 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 combines proprietary research with third-party analytics to support its investment approach.

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.

Leon Eady is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 credential and has been with Merrill and Bank of America since 2014. Outside of his advisory role, he owns 904 Exotic Rentals, a business that leases vehicles for personal travel in Jacksonville, Florida. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Elio Murillo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help them make informed financial decisions and develop strategies that align their wealth with their personal goals. His work encompasses areas such as retirement planning, investment management, legacy planning, and philanthropic planning. With over 10 years of experience in the financial services industry, Elio focuses on creating personalized financial strategies by understanding each client's unique goals and values. His approach is rooted in integrity and transparency, aiming to simplify financial complexity and help clients pursue meaningful outcomes. Elio holds a Bachelor of Business Administration from the University of Florida and holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification as well as the Chartered Retirement Planning Counselor™ (CRPC) designation. He is also registered with multiple FINRA licenses. Bilingual in Spanish and English, Elio lives in Jacksonville, Florida, with his wife and their two young sons, and enjoys fishing, football, soccer, traveling, watching movies, and spending time with family.