Cherie Anderson is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has over three decades of experience in the financial services industry, beginning her career in 1985. Cherie managed her practice at Metlife for 25 years before joining Merrill Lynch in 2017. Throughout her career, she has focused on providing personalized financial strategies tailored to her clients' long-term goals, emphasizing integrity and client trust. Her areas of expertise include college education planning, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Cherie holds the Personal Investment Advisor (PIA) designation and completed her high school education at Ramona High School. She is committed to helping clients navigate complex insurance and investment issues through an educational approach, which has resulted in many long-standing client relationships. Cherie is actively involved in her community, volunteering and fundraising for organizations such as New Life Church SRB, STW Ministries, and Impact Ministries International. Her personal interests encompass boating, gardening, golfing, scuba diving, singing, yoga, and spending time with her family.

Sara Gross is a financial advisor with LPL Financial in Jacksonville, FL, holding Series 63 and Series 66 designations and 21 years of industry experience. She has been with LPL Financial since 2016 and also maintains a role at VyStar Credit Union since 2015. 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 of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including retirement plan consulting and brokerage services, with both discretionary and non-discretionary management options supported by research from LPL and third-party subadvisors.

Amanda Foskey is a CFP® with nine years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, she worked at WELLS FARGO Advisors, LLC for one year. Outside of her advisory role, she has been involved with III Forks Restaurant since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Matthew Davison is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Brokerage Services LLC since 2016. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in managing its portfolios.

Timothy Sutherland is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Bank of America. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Peter Hargitai is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and two years of industry experience. Before joining Equitable Advisors, he worked in various roles including at Anytime Fitness and Ponte Vedra Inn & Club. He volunteers as a youth mentor with the MaliVai Washington Youth Foundation, providing academic support and online literacy assistance. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Addison Knight Jr. is a financial advisor with Raymond James & Associates in Jacksonville, FL, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has been with Raymond James since 2011 and previously worked at The Bolles School from 2019 to 2023. 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 and pension plans, and charitable organizations, offering financial planning and consulting services with a range of portfolio management styles and firm-supported research.

Eric Menickella is a financial professional with 28 years of industry experience, currently associated with Cetera. He holds Series 63 and Series 65 credentials and has worked at firms including Voya Financial Partners, Inc., Cetera Wealth Services, LLC, and Independence Financial Planning, LLC, where he serves as managing partner. In addition to his advisory work, he is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supported by a network of over 10,000 advisors and more than $256 billion in assets under management.

Daniel Tye is a financial advisor at Raymond James & Associates in Jacksonville, FL, with 21 years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley Distribution, Inc. from 2015 to 2021. Outside of his advisory role, Tye owns several businesses, including a commercial fishing enterprise and multiple real estate-related LLCs. 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 clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Richard Chiarenza is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with LPL since 2014. He is also associated with VyStar Credit Union and is involved with VYSTAR Investment Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering various advisory programs and financial planning services through a national network of investment adviser representatives.

Michael Rains is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at PNC Investments, BBVA Wealth Solutions, and several BBVA affiliates. He is based in Jacksonville, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Nathan Damron is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Matthew Anderson is a financial advisor at UBS Financial Services with 19 years of industry experience. He holds the Series 66 designation and has previously worked at Merrill and Deutsche Bank Securities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Timothy Smirniotis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Fidelity Brokerage Services from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process follows modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Elizabeth Wagnon is a financial advisor at Raymond James & Associates with a Series 66 designation and has been in the industry since 2022. Her work history includes prior experience at Edward Jones and time spent as a homemaker. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services with a variety of portfolio management styles and affiliated research resources.

William Courtney Jr. is a financial advisor at Merrill with 38 years of industry experience. He holds a Series 63 designation and has worked at Merrill since 1988, including 15 years affiliated with Bank of America. Outside of his advisory role, he serves as a co-trustee of the C Joint Living Trust. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Rachael Crapsi is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Morgan Stanley. Her prior roles include positions at JP Morgan Chase and Fifth Third Securities, as well as multiple engagements with the Cincinnati Bengals, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutional clients, with a financial planning process centered on structured discovery and firm-approved planning tools.

Victoria Khalil is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities 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.

Kristy Hobbs is a financial advisor at Merrill with 26 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2003. 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.

Lesley Green is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding a Series 63 designation and over 32 years of industry experience. Her career includes more than two decades at Wachovia Bank, N.A., followed by roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of her advisory work, she serves as an event representative for a company specializing in the sale and installation of high-impact windows and doors. 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 supported by research and analytics.