Anthony Lutkus is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Deutsche Bank Securities Inc and Bank of America, N.A. prior to his current role. 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, and various institutional investors.

Byron Harris is a financial advisor at Fidelity with Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Fidelity Investments and prior positions at Shipt Inc., Aflac, and Target. He also worked at Windsor Parke Golf Club and has teaching experience from the University of North Florida and Lafayette High School. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Scott Perry is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in 1997 and joined Merrill Lynch in 1999. Scott focuses on providing financial guidance through education, honesty, and transparency to individuals pursuing their financial and retirement goals. His expertise includes managing investment accounts, estate planning services, life insurance, annuities, and addressing longevity concerns. He works with clients in areas such as college education planning, employee financial health, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Scott holds a Bachelor's Degree from the University of Florida and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Born and raised in Key West, Florida, he participates in community volunteering and is involved with organizations like the Swim Like A Pro Triathlon Team, USA Triathlon, and Velobrew Racing. His personal interests include biking, fishing, scuba diving, spending time with family, swimming, table tennis, and volleyball.

Rance Winn is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with various Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model strategies.

Elliot Barry is a financial advisor with Mass Mutual Investors Services in St. Augustine, FL, holding Series 63 and Series 65 credentials and possessing nine years of industry experience. He has been with Mass Mutual Investors Services since 2016 and has additional affiliation with MassMutual/First Financial Group starting in 2015. Outside of his advisory role, he is a founding partner of The Forward Financial Group, which offers solutions in both insurance and investments. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, offering event-driven planning services such as divorce and estate settlement planning.

Manuel Dortch is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2006 and Bank of America since 2011. 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 with model-based and discretionary investment strategies.

Joseph Miley is a financial advisor at Merrill with four years of industry experience and holds the Series 66 designation. His prior work includes roles at Bank of America, Amazon, Textron Specialized Vehicles, and Bell Helicopter. 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 strategies constructed by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

Mariam Morris is a financial advisor at Fidelity with seven years of industry experience. She holds a Series 66 designation and has worked with Fidelity Investments since 2025, following several years at FIDELITY Brokerage Services and prior experience at Verizon Wireless. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver discretionary and non-discretionary advisory solutions, model portfolios, and fund advisory services.

Christopher Bady is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at Merrill since 2015 and Bank of America since 2018. Outside of his advisory role, he is involved with Body by Bady Inc. (dba Ring Fitness) and Vicalus Inc., and acts as a consultant for USA Containers, where he sells cargo containers remotely. 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, and institutional investors.

Patrick Ruane II is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity divisions since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it engages in advisory roles that include fund management and delivery of model portfolios.

Mark Dzikowski is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. 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.

Steven Reynolds Jr. is a financial advisor at Cetera with a Series 65 designation and one year of industry experience. Prior to joining Cetera, he worked in various educational roles at multiple schools in Florida. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates as a multi-manager platform with access to affiliated and third-party investment strategies.

Darren Pepper is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Marriott Vacations Worldwide. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services as well as model portfolios.

Michael Lehman is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. He has worked at Fidelity Investments since 2023 and has prior experience at Marriott, McCaffrey's Food Market, UPS, Coastal Carolina University, and New Hope-Solebury High School. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Justin Copeland is a Financial Consultant currently working at Fidelity Investments. He collaborates with clients to understand their short- and long-term objectives and develops financial plans tailored to their individual circumstances. He emphasizes building strong, lasting relationships with clients and their families while maintaining high standards of professionalism. Justin has experience in various roles within the financial industry, including Investment Management Consultant at Fidelity Investments from 2021 to 2024, Investment Advisor at Merrill Edge from 2019 to 2021, Investment Consultant at Merrill Edge from 2017 to 2019, and Investment Services Representative at Fidelity Investments from 2015 to 2017. He holds insurance licenses in Arkansas and California.

Angel Lopez is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with three years of industry experience. His work history includes roles at Bank of America, Liberty Mutual Insurance, and JP Morgan Chase Bank. 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.

Ryan Spencer is a financial advisor at Fidelity with Series 66 and Series 63 licenses and three years of industry experience. His prior work includes roles at LoanCare and TIAA Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model solutions.

Ashton Campbell is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2021, beginning as a Workplace Planning Consultant, then serving as a Planning Consultant before his current position. Prior to joining Fidelity, Ashton worked as a Universal Banker at Truist Bank from 2020 to 2021. His professional experience encompasses financial planning and consulting, with a focus on developing financial plans tailored to clients' goals, whether it involves wealth building, retirement transition, or legacy construction. Ashton holds insurance licenses in Arkansas and California. Outside of his professional work, Ashton engages in family activities and enjoys fishing, football, movies, and music.

Saeid Ejmali is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His work history includes roles at Fidelity Investments and prior experience in insurance and education sectors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and offers model portfolios for intermediary platforms.

Travis Reap is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. His previous roles include positions at Ameriprise, Ameriprise Financial Services Inc, Wells Fargo Clearing, and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.