Zac Murphy is a CFP® and CFA® with four years of industry experience, currently serving at LPL Enterprise. His prior roles include positions at PIMCO Investments LLC, Merrill Lynch, and Ullmann Wealth Partners. Outside of finance, he has experience working with the University Athletic Association and in the restaurant industry. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services through an integrated platform combining model portfolios, third-party asset management, and a range of financial products.

Jason Bishop is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 18 years of industry experience. He has been with Merrill Lynch since 2004. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Yatsay Oliva Torres is a financial advisor at Merrill with Series 63 and Series 65 designations and eight years of industry experience. She has worked at Merrill and Bank of America since 2019 and previously held roles at Fifth Third Securities, Fifth Third Bank, and Humana. 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.

Jack Acebal Jr. is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 designations and bringing 56 years of industry experience. He has worked with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC prior to his current role. 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 a range of brokerage and advisory solutions supported by research from its investment institute and third-party sources.

Sandra Exelby is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 licenses and possessing 34 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christina Holland is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 license and 15 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is an independent contractor with Beachbody LLC, serving as a fitness, nutrition, and wellness coach. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Brian Fulton is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 65 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at PNC Investments and BBVA Securities Inc. as well as BBVA Wealth Solutions Inc. since 2012. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stephen Ensley is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing comprehensive wealth planning services. Since 2016, he has worked with high net worth clients, including business owners, key executives, attorneys, physicians, entrepreneurs, and retirees. His expertise encompasses investments, personal and business planning, estate planning and trusts, commercial and residential lending, executive compensation, and corporate advisory services. He holds a Bachelor's Degree from Trinity Baptist College and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Stephen's client focus areas include college education planning, personal retirement planning, liquidity management, tax minimization, corporate executive services, and investment consulting for defined contribution plans among others. Outside of his professional responsibilities, Stephen is involved with Junior Achievement of Florida. His personal interests include baseball, basketball, boating, football, golfing, reading, running, spending time with his family, tennis, and writing.

Brian Hall is a financial advisor with Cetera in Jacksonville, FL, holding the PFS™ designation and Series 65 license. He has six years of industry experience and previously worked with Avantax Advisory Services and several CPA firms, including Landmark PLC and Financial Solution Advisors CPA, PLLC. Outside of his advisory role, he serves as Treasurer for local nonprofit organizations including the Rotary Club of Mandarin Charities, Inc. and the Cecil Field POW/MIA Memorial, Inc. Cetera Investment Advisors LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform that enables advisors to implement model portfolios, select third-party managers, or create customized strategies.

Robert Devereux is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2018. Prior to this, he worked for Ameriprise Financial Services, Inc. for nine years. He is involved in community housing initiatives, serving on the board of directors for the Flagler County Housing Authority and acting as treasurer for the Tomika Advisory Council. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs over 14,000 financial advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Patrick Ryan is a financial advisor with Equitable Advisors in Jacksonville, FL. He holds Series 65 and Series 63 licenses and has one year of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Equis Financial. Before entering the financial sector, he worked at Deerwood Country Club and Florida State College Jacksonville. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory platforms.

Diana Newlyn is a financial advisor with Merrill, holding a Series 66 designation and 17 years of industry experience. She has been with Bank of America and Merrill since 2010. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Kevin Pacciano is a Series 66 registered financial advisor with UBS Financial Services in Jacksonville, FL, with 26 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a partner in NP Capital, a real estate business involved in buying and selling properties. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management, including fee-based financial planning and portfolio management.

Sotir Cikopana is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Edward Jones and TIAA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across a broad range of financial products, and participant education.

Tina Barnes is a financial advisor at Merrill with 14 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo and owned a British import grocery and gift retail store called The Corner Shop. 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 institutions.

Eileen Campbell is a financial advisor at Fidelity with 17 years of industry experience. She holds a Series 66 designation and has held multiple roles within Fidelity, including positions at Fidelity Brokerage Services, LLC and Fidelity Personal and Workplace Advisors. Outside of her advisory work, she serves on the board of directors for Cavalier Rescue of Florida, acting as a foster coordinator. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a wide range of clients, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

George Prattos is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He is based in Jacksonville, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through dedicated groups. The firm employs structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Scott Chamberlayne is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Gregory Vayhinger is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds the Series 66 designation and has worked previously at PNC Investments and BMO Harris Financial Advisors. 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.

John Nettuno is a financial professional at Cambridge Investment Research Advisors with 39 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked at FSC Securities Corporation for 16 years. Outside of his advisory role, he is also a musician performing in a band based in Atlanta, GA. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through independent financial professionals. The firm offers a range of financial planning and investment management services, utilizing multiple custody platforms and both discretionary and non-discretionary management approaches.