Nirmal Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2023, and previously worked at Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to develop customized recommendations.

Lois Bratkovich is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial since 2019. She previously worked at H. Beck, Inc. and FSC Securities Corporation. In addition to her advisory role, she serves as a precinct committeewoman. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

James Williams is a financial advisor with UBS Financial Services in Jacksonville, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2019, he worked at Merrill from 2017 to 2019 and has additional experience outside finance at Integrity Transport. He is also involved with the Jacksonville Basketball Academy as a coach and trainer, providing group and private basketball training to youth. Additionally, Williams serves as an assistant basketball coach for the Junior Varsity Men's basketball team at Providence School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Norman Dsilva is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advisory work, he owns a non-investment related business, DSilva International, based in Franklin, New Hampshire. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Frederick Fedorowich Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He previously worked at Lincoln Financial Advisors for 15 years and at Osaic FA, Inc. for 20 years. Outside of advising, he is licensed to offer various types of insurance including disability, fixed and indexed annuities, long-term care, and traditional life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by asset-allocation tools, automated rebalancing, and access to third-party money managers and wrap programs.

Lauren Blazejewski is a Financial Advisor at Merrill Lynch Wealth Management. She holds the designation of Chartered Retirement Planning Counselor (CRPC).

Jerald Seebol is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His prior experience includes ten years at Morgan Stanley Private Bank, National Association, and sixteen years at Morgan Stanley Smith Barney. Outside of finance, he is involved in the ByeStanDers Band as part of the Tim and Jerry Guitar Duo. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Michael Cordero is a financial advisor with Primerica Advisors in Jacksonville, FL, holding a Series 65 license and 17 years of industry experience. His career includes roles at Pfs Investments Inc. and Primerica Financial Services since 2008 and 2009, respectively, alongside involvement in the education sector with Putnam and Flagler County Schools. Outside of financial advising, he owns a business unrelated to investments that involves home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties, focusing primarily on individual investors rather than institutional clients.

Eric Olson is a financial advisor with OSAIC and holds Series 63 and Series 65 licenses. He has 27 years of industry experience, including roles at Signator Investors, Inc. and as President of Retirement Resources, Inc. In addition to his advisory work, Olson is a published author with several books available on Amazon and has been involved in music as a singer. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering a range of advisory services through a large network of affiliated advisors and multiple platforms. The firm employs various asset-allocation tools and provides access to managed accounts and third-party money managers.

William Rica is a financial advisor with J.P. Morgan Securities in Jacksonville, FL, holding Series 63 and Series 65 credentials and three years of industry experience. He previously worked at Morgan Stanley and other firms in the financial sector. 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 an ESG eligibility framework to inform its recommendations.

Lawrence Weber IV is a financial advisor at Merrill with 17 years of industry experience. He holds Series 63 and Series 66 designations and has been with both Merrill and Bank of America, N.A. since 2013. Merrill serves a diverse client base including individuals, retirement plans, corporations, charities, and institutional clients. The firm offers a range of investment management programs with discretionary and client-directed options, supported by its integration with Bank of America’s broader banking and capital markets platform.

Michael Sousou is a financial advisor with Mass Mutual Investors Services, holding a Series 63 credential and over 41 years of industry experience. He previously worked at Metlife Securities Inc. for 31 years before joining Mass Mutual in 2016. Outside of his advisory role, Sousou serves as a board member for the Riverplace Office Park Owners Association and is a licensed realtor assisting clients with property transactions. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, typically recommending investment strategies without discretionary authority.

Elyse Gustafson is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 credential and seven years of industry experience. She has worked at Morgan Stanley since 2018 and served in the US Army from 2013 to 2017. Outside of her advisory role, Gustafson is involved in a pastoral position at Good Shepherd Episcopal Church. Morgan Stanley Wealth Management provides a range of advisory services and financial planning programs to individuals and institutions, managing approximately $2.74 trillion in client assets through structured planning processes and diverse investment solutions.

Richard Camp is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 22 years of industry experience. He has been associated with multiple firms, including Avantax Advisory Services and Lifeplan Financial Services LLC, where he is the owner. Camp also serves as president of a local owners association and operates a tax preparation and accounting business under his own CPA firm. Cetera Investment Advisers LLC is a large SEC-registered advisory firm offering portfolio management, financial planning, and retirement services to a broad client base, including individuals, retirement plans, corporations, and institutions. The firm provides access to a multi-manager platform with a variety of program structures and investment options, supported by a nationwide network of over 10,000 advisors.

James Haugen is a financial advisor with Ameriprise in Saint Johns, FL, holding a Series 63 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, Haugen serves as a Finance Committee member at River of Life Methodist Church. Ameriprise is an institutional firm offering a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm provides tailored recommendation reports using research, modeling, and tax-efficiency analysis, alongside a broad range of advisory, brokerage, and insurance solutions.

Craig Walker is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1993 and Bank of America since 2009. Outside of his advisory role, he is involved in aviation as a general partner of CPCH Aviation and serves on the advisory board of a local hospice foundation and the board of St. Marks Episcopal Church Foundation in Jacksonville, FL. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed accounts, discretionary portfolio management, and brokerage services. The firm integrates closely with Bank of America affiliates and provides a range of tax-efficient investment strategies overseen by its CIO and platform team.

Richard Paul II is a CFP® professional with eight years of industry experience, currently serving at Edward Jones since 2018. Prior to joining Edward Jones, he worked at Workscapes, Inc. from 2015 to 2018. Outside of his advisory role, he assists with operations at Garland Activewear and serves on the finance committee of Veritas Classical Christian School. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Sheryl Massey is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 designations and 28 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wachovia Bank, N.A. since 2002. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles, and serves plan sponsors with tailored investment solutions and fiduciary oversight.

Sarah Cahan is a financial advisor with Equitable Advisors in Jacksonville, FL. She holds a Series 66 designation and has one year of experience in the industry. Prior to joining Equitable Advisors in 2026, she worked at several insurance and property casualty firms, including Kelly White & Associates Insurance LLC and State Farm. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset management programs. The firm delivers advice through a network of Investment Adviser Representatives and utilizes various third-party advisory models and programs.

Preston Turner is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Kylee Media LLC and Starbucks. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset management programs. The firm delivers services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs for portfolio implementation.