Scott Penrod is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His career includes roles at Wells Fargo Clearing Services and JPMorgan Chase Bank. Outside of finance, he operated a woodworking and furniture business under the name Penrod Chic from 2014 to 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting. The firm delivers recommendations on a non-discretionary basis, combining institutional advisory capabilities with broker-dealer and investment adviser functions.

Allison Batey is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. She has worked at Merrill since 2021 and previously held roles at 121 Financial Credit Union and Dillard's Inc. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Ann Todd is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has built a practice over more than 20 years focused on delivering financial advisory services across a variety of client needs. Her areas of expertise include college education planning, corporate retirement plan services, divorce transition planning, family wealth management strategies, personal retirement planning, philanthropic planning, women and wealth, tax minimization, and retirement income. Ann holds a Bachelor's degree from Randolph Macon Woman's College and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of her professional work, Ann is active in educational communities and participates in sporting activities. She enjoys spending time with her family and exploring Florida's natural resources through activities such as tennis, cooking, yoga, biking, hiking, horseback riding, knitting, crocheting, reading, and traveling.

Deanna Hartwell is a financial advisor at Ameriprise with nine years of industry experience. She holds the CFP® designation and Series 63 and 66 licenses. Prior to her current role at Ameriprise beginning in 2020, she worked at Ameriprise Financial Services, Inc. from 2015 to 2020. Outside of her advisory role, she manages a related business, Deanna R Hartwell, Inc. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income and tax-aware withdrawal strategies.

Gary Meyer is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with both Merrill and Bank of America 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 supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Christina Palmer is a financial advisor with Charles Schwab in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. She has worked with Charles Schwab and its affiliated entities since 2023 and previously spent six years at TD Ameritrade. Outside of her advisory role, she designs and sells resin dice through an online retail business. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through a range of advisory, brokerage, and custody services. The firm offers both non-discretionary and discretionary investment management options using multi-asset model portfolios and provides centralized client support through its integrated operational structure.

Ron Patrick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch for over 27 years and has developed his career starting with the Junior Executive Training (JET) Program, one of the oldest development programs on Wall Street. He currently provides financial and wealth management advisory services in Jacksonville, Florida. Ron has been recognized on the Forbes "Best-in-State Wealth Advisors" list multiple times, including the years 2019 and from 2022 through 2026. He holds the Chartered Retirement Planning Counselor™ designation from The College for Financial Planning Institutes Corp and the internal Portfolio Manager designation through the Merrill Investment Advisory Program. Ron is a graduate of Princeton University with a degree in economics. He is involved in his local community, serving on the Board of Visitors for The Bolles School and as a member of the Rotary Club of South Jacksonville. Ron resides in Jacksonville with his wife, Kim, and their three sons.

Kimberly Newsome is a financial advisor with Cambridge Investment Research Advisors in Jacksonville, FL, holding a Series 66 designation and 22 years of industry experience. She has been with Cambridge Investment Research Advisors and its affiliated firm since 2010. Outside of her advisory role, she is also an independent insurance agent for various insurance companies through Pinnacle Insurance and Financial Services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary models as well as third-party strategies across multiple platform arrangements.

Jonathan Adams is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His previous roles include positions at Bank of America, Merrill, and Massachusetts Mutual Life Insurance Co. He is currently based in Saint Augustine, Florida. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis while incorporating a centralized due-diligence process.

Andrew Welch is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Fidelity Investments. His background also includes roles outside the financial sector, such as positions at the USDA Farm Service Agency and The University of Southern Mississippi. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery conversations and proprietary tools, and it manages approximately $2.74 trillion in client assets.

Andrew Nitti is a financial advisor at Wells Fargo Clearing with one year of industry experience. His work history includes several years at Publix Super Markets and Mainland High School. 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.

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.

David Benoit is a CFP® with 31 years of experience, currently serving at Raymond James Financial Services Advisors Inc. since 2009. He is also the President, CEO, Treasurer, and Secretary of Benoit, Chepenik & Benoit PA, a business he has been involved with since 2000. Outside of financial services, Benoit owns and operates Whistle Stop Farms, where he manages agricultural activities including hay baling and egg sales. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm employs tailored, non-discretionary planning using risk profiling and analytical modeling, and supports specialized municipal and SIMPLE IRA advisory programs.

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.

Ramesh Pudhucode is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Primerica Advisors, he worked at Primerica Financial Services, Liberty National Insurance, and held an IT position before transitioning to finance. His outside business activities include referral work for home security and automation products through Primerica affiliates. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and supports trade execution and custody with third-party firms.

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.

Phillip Brunson is a financial advisor at J.P. Morgan Securities in Jacksonville, FL, holding a Series 66 credential with four years of industry experience. His prior roles include positions at Hub Retirement & Wealth Management and Ameriprise Financial. He also provides administrative support to independent advisory firms such as Global Retirement Partners. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework.

Brandon Cowart is a financial advisor with OSAIC based in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has held positions at Royal Alliance Associates, Inc. since 2018 and Signator Investors, Inc. from 2016 to 2018. Outside of his advisory role, he serves as CFO and agent for Retirement Resources, Inc., where he manages day-to-day operations and is involved in sales of life insurance, long-term care insurance, and fixed and indexed annuities. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that may include a range of investment vehicles.