Kimberly Earnhardt is a financial advisor at Raymond James & Associates with 31 years of industry experience. She holds the Series 63 and Series 65 credentials and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She has been with Raymond James & Associates since 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charitable organizations, and governmental entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Jason St Germaine is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing financial advice and wealth management services to his clients. His role involves helping individuals and families manage their financial portfolios and plan for their financial futures. Jason's professional experience centers on financial advisory within a prominent wealth management firm. He applies his expertise to assist clients in making informed financial decisions aligned with their goals. His work includes strategies related to investment management, retirement planning, and asset allocation. Further details regarding Jason's education, credentials, personal interests, or community involvement have not been provided.

Gregory Zier is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. 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.

Frank Yong is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 credential and 17 years of industry experience. He has worked at Morgan Stanley since 2011 and also operates his own firm, Frank J Yong P.A., established in 2003. Outside of finance, Yong manages agricultural businesses focused on cattle ranching in Florida. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of advisory and brokerage offerings.

David James Ong Guan Pun is a financial advisor with OSAIC Wealth, Inc. He holds Series 63 and Series 65 credentials and has nine years of industry experience. His work history includes positions at Lincoln Financial Advisors Corporation, Principal Securities Inc, and Principal Life Insurance Company. Outside of his advisory role, he is the CFO and co-owner of Trilock Capital LLC, a holding company for early-stage ventures in the fitness and wellness industry. OSAIC Wealth, Inc. serves a diverse client base ranging from individual investors to large institutional entities, offering integrated brokerage, advisory services, financial planning, and access to multiple third-party investment platforms. The firm uses a variety of analytical tools and maintains a complex corporate structure with multiple mergers and private-equity ownership.

Ethan Bohm is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked at FIS and has experience outside finance, including a role at Taverna Evia Greek Restaurant. He attended Florida State University and worked at Marjory Stoneman Douglas High School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, corporate, and institutional clients. The firm utilizes third-party asset managers and LPL-sponsored advisory programs, delivering a range of investment options including mutual funds, ETFs, separately managed accounts, and alternative investments.

Fred Culvyhouse is a financial advisor with Edward Jones in Jacksonville, FL, holding a Series 66 designation and 21 years of industry experience. He worked at Deutsche Bank Securities Inc. from 2015 to 2018 before joining Edward Jones in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Jeffrey Saster is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Richard Reid Jr. is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 40 years of industry experience. He has been with Raymond James since 2016. 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, institutional investors, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a variety of portfolio management strategies and affiliated research resources.

Gabriel Gonzalez Puerto is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various roles since 2015. 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 that incorporate research from Wells Fargo Investment Institute and other sources.

Paul Brown is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Tiffany Harmer is a financial advisor with LPL Financial in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. She has worked at LPL Financial since 2023 and has a background with VyStar Credit Union, where she has been employed since 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management, supported by research and diverse investment strategies.

Marc Danchak is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and has worked previously at Citi Group Personal Wealth Management, Mass Mutual Investors Services, MassMutual Life Insurance Company, and New Hope Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with model portfolios and research from various sources.

Dawn Buchholz is a financial advisor at Morgan Stanley with 31 years of industry experience and holds the Series 66 designation. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Craig McPherson is a CFP® and holds a Series 66 license with 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years at Wells Fargo Advisors LLC. 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.

Michael Grew is a financial advisor at Morgan Stanley in Jacksonville, FL, holding a Series 66 designation. He joined Morgan Stanley in 2026 after five years at The Home Depot and previous roles at the University of Florida and CHEP. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Ulrike Lyon is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as Treasurer for the Jewish Messianic Congregation of Jacksonville. 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 includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Diana Fanning is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 66 designation and previously worked at UBS Financial Services from 2012 to 2022. Outside of her advisory role, she serves on the board of directors for Uptown Civitan Jacksonville, a local charity focused on volunteer activities and fundraising. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by various analytical tools.

Joshua Keyes is a financial advisor with LPL Financial in Jacksonville, FL, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. His prior roles include positions at VyStar Credit Union, CUNA Brokerage Services, and Fidelity Brokerage Services. He serves on the boards of nonprofit organizations focused on veterans and is a member of the US Army Reserves. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Teresa Shea is a CFP® with 23 years of experience in the financial services industry. She is currently with Cambridge Investment Research Advisors and previously worked for Lincoln Financial Securities Corporation for 13 years. Outside of her advisory role, she is involved in insurance through ownership and management positions with independent insurance agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals, utilizing a range of portfolio management approaches and custody platforms.