Arjun Bhandari is a financial advisor with Mass Mutual Investors Services in St. Augustine, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His prior roles include positions at Deutsche Bank Securities Inc and New York Life Insurance Co. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning engagements and offers educational seminars alongside its investment programs.

Leah Cason is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019, previously spending seven years at Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jared Gudenkauf is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with busy, successful individuals, couples, and families to grow, preserve, and transfer their wealth. Jared provides practical and meaningful financial advice, often diving deep into client issues to develop niche understandings and forward-thinking approaches. His expertise includes titling assets to mitigate risk, creating consistent cash flow in retirement, optimizing benefits from business or profession, structuring wealth for long-term preservation, and cultivating sound stewardship in the next generation. He has earned national recognition by Forbes as a Best in State Wealth Advisor and a Top Next Generation Wealth Advisor. Jared began his career at Merrill Lynch Wealth Management in 2011, after serving as a Financial Advisor and District Manager for Ameriprise. He holds a Bachelor's degree in Business Administration from Kansas State University and maintains several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He has also been involved with the Financial Planning Association as a past president and serves on the advisory board for the Personal Financial Planning Program at Kansas State University. In addition to his professional roles, Jared contributes to the community through involvement with organizations such as the American Heart Association, Junior Achievement, and the Leukemia & Lymphoma Society. He and his wife, both Merrill advisors, split their time between Kansas City and Ponte Vedra Beach, Florida, and have a blended family of four children. Jared enjoys hobbies including boating, fishing, photography, skiing, tennis, traveling, and woodworking.

Wesley Thomas is a Certified Financial Planner (CFP®) based in Ponte Vedra Beach, FL, with nine years of industry experience. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and has prior work history at Pinnacle Bank, Truist Advisory Services, BB&T Securities, and Merrill. In addition to his advisory role, he is an associate with The Horizon Group, a support company where he dedicates significant time. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Michael Sharp is a financial advisor at Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has been with Merrill Lynch since 2000. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mia Greenfield is a Series 66-licensed financial advisor with Morgan Stanley in Ponte Vedra Beach, FL, and has one year of industry experience. She previously worked at LPL Enterprise LLC and Ameriprise, and has held roles outside of finance including at Carmines Pie House and the University of North Florida Fieldhouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm employs a structured financial planning process supported by firm-approved tools and serves clients through both direct and employer-based agreements.

Nicholas Fullerton is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 65 and Series 63 designations and has worked at multiple firms including Trinity Wealth Securities and Florida Financial Advisors. Outside of his advisory role, he is CEO of Voyager Financial Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options supported by research and model portfolios.

Ashley Juiliani is a financial advisor at Merrill with a Series 66 designation and 16 years of industry experience. She has been with Merrill since 2007. Outside of her advisory role, she engages in selling used clothing, accessories, and household items online through Poshmark on a part-time basis. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Juliana Marsiglia is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2015 and also has prior experience with Bank of America N.A. 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 various institutional investors.

Gerald Polcari is a financial advisor at Fidelity with 31 years of industry experience. He previously worked at GW & Wade Asset Management Company, Inc. for 16 years before joining Fidelity. He serves as a director on the Little Bay Harbor Condominium Association board of directors. 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 manage diversified model portfolios.

Harry Pappas Jr. is a CFP®-certified financial advisor with 40 years of industry experience, currently with Ameriprise since 2022. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is also the owner of Pappas Wealth Management, LLC, and serves as a FINRA arbitrator, although he has not yet been called to serve. Ameriprise offers retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

John Busta Jr. is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with both Merrill and Bank of America, N.A. since 2013. 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.

John Price is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018, including a concurrent role at Bank of America. His prior experience includes positions at Price Investments and LPL Financial. 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 tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Isaacs is a financial advisor with Raymond James & Associates in Ponte Vedra Beach, FL, holding Series 63 and Series 65 credentials and 41 years of industry experience. He previously worked at UBS Financial Services for eight years before joining Raymond James in 2022. 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 a wide range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Tristan Haines is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2012, based 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Demari Adams is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Adams held positions at Bank of America, N.A., and several other organizations including consumer investments and educational institutions. 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 individuals, high-net-worth clients, and institutional investors.

Hans Boehm is a financial advisor at Primerica Advisors with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Primerica Advisors since 1999. Outside of his advisory role, Boehm works as a pro bono attorney. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options. The firm utilizes third-party asset managers and offers a tiered wrap-fee structure distinct from fixed-fee billing.

Joshua Graham is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. He has been with Bank of America and Merrill since 2016. 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, pension plans, corporations, and charitable organizations.

Wendy Kennedy is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, currently serving at Morgan Stanley Private Bank, N.A. in Jacksonville, FL. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment research in its advisory process.

Robert Ruprecht is a Series 66 credentialed financial advisor with Merrill, based in Jacksonville, FL. He has 12 years of industry experience, including roles at Merrill and Bank of America over the past decade. 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 tailored to individuals, high-net-worth clients, and institutional investors.