Krystal Simpkins is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2007. 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 strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Jason Johnson is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2008 and also works with Bank of America, N.A. since 2018. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution services. The firm integrates investment management through various program strategies governed by a central CIO and platform oversight, with an emphasis on tax-efficient capabilities and strong affiliation with Bank of America’s broader banking and capital-markets platform.

T. Michael Hayse is a financial advisor at Raymond James & Associates with 16 years of industry experience. He holds the Series 66 designation and previously worked for Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension and profit-sharing plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by diverse portfolio management styles and affiliated research.

Justin Froess is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, where he has worked since 2007, totaling 19 years of industry experience. 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.

John Giachinta Jr. is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Bank of America and Roberts & Ryan Investment Inc., as well as eight years of service in the United States Marine Corps. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations. The firm operates within the broader J.P. Morgan broker-dealer and banking organization, offering a range of investment solutions on a non-discretionary basis.

Patrick Brannam is a financial advisor with Raymond James & Associates in Ponte Vedra Beach, FL, holding a Series 66 credential and bringing 23 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Davon Phillips is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has been affiliated with Bank of America and Merrill since 2011. Outside of his advisory role, he is the owner of M.O.E. Sports Management, LLC, a business that provides photography and videography services focused on the health, sports, and fitness sectors. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Derek Bourne is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2013. 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.

Erica Mc Loughlin is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, she held roles at Year Up Jacksonville, Florida State College at Jacksonville, and several local businesses. 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.

Lance Hemmer is a financial advisor with Cetera who holds Series 65 and Series 66 designations and has 26 years of industry experience. His prior roles include leadership at Hemmer & Associates, Inc. since 1989 and involvement with Hemmer Capital, LLC and Tropical Smoothie Café as a part owner. Outside of advising, he serves as a condominium board member and operates as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement various portfolio strategies, including discretionary and non-discretionary management, supported by a nationwide network of over 10,000 advisors.

David Ammerman is a CFP® with 33 years of industry experience, currently affiliated with Raymond James Financial. His prior experience includes roles at Bank of America and Merrill. Outside of his financial career, he is a musician who performs regularly with the band Dad Bodz. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and other entities. The firm uses tailored, non-discretionary planning methods supported by analytical tools and is noted for its municipal advisory affiliation and specialized SIMPLE IRA consulting program.

Andrew Pheiff is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes 13 years at Citigroup Global Markets and over a decade as owner and financial advisor at Pheiff Wealth Partners / Ponte Vedra Financial LLC. He has been with Raymond James since 2009. 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, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports a large network of advisors with a range of advisory programs and institutional consulting services.

Shane Corbett is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has been with Merrill since 2009 and has operated under his own name since 2007. 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 strategies for individuals, high-net-worth clients, and various organizations.

Katherine Crider is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2007. 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.

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.

Declan Rogers is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. His career includes roles at Hampton Golf, Northwestern Mutual, and service in the United States Navy. He has also been involved in academic positions at the University of North Florida and Saint Leo University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Nadine White is a financial advisor at Merrill with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America, N.A. from 2016 to the present. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Qingquan Li is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with eight years of industry experience. His career includes multiple roles at Merrill since 2017, as well as a position at Centers Plan for Healthy Living from 2016 to 2017. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Curt Duncan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. He has worked at Merrill and Bank of America since 2017 and previously spent ten years at Fidelity Investments. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

William Dukelow is a financial advisor with Raymond James & Associates and holds Series 63 and Series 65 designations. He has 39 years of industry experience, including seven years at Wells Fargo Advisors and ten years at Raymond James. Dukelow is based in Ponte Vedra Beach, FL. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional clients, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.