Riaan Spanjer Furstenburg is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has worked at Merrill since 2014 and has been with Bank of America, NA since 2017. 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutional entities.

David Rice is a financial advisor at LPL Financial with 22 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for SWBC Investment Services, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios from multiple sources.

Anthony Ferranolo is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and 15 years of industry experience. He has been with Merrill and Bank of America since 2016. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Ricardo Santos is a financial advisor with Fisher Investments in Ponte Vedra, FL, holding Series 63 and Series 66 licenses and 19 years of industry experience. His prior roles include positions at GWFS Equities, Inc. and VOYA Financial Advisors. Fisher Investments serves a global client base of institutional and private investors, offering discretionary portfolio management through a centralized investment committee that employs quantitative and qualitative research. The firm provides diversified portfolios with tax-aware processes and defensive tactics, managing a range of separate accounts, collective funds, and sub-advisory relationships.

Kristy Cole is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to this, she had brief roles at Mass Mutual and held positions related to Florida State University from 2015 to 2018. 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, pension plans, and other entities.

Holly Keefe is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has been with Merrill since 2004. Keefe serves as a board member for the Providence School of Jacksonville’s Parent Teacher Partnership, organizing school events. 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, pension plans, corporations, and charitable organizations.

Aaron Williamson is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with Merrill since 2015. 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, pension plans, corporations, and charitable organizations.

Marla Castin is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in creating personalized wealth management strategies tailored to clients' individual financial goals. With over 30 years of experience in financial services, Marla works closely with individuals, families, corporate executives, business owners, and financial professionals to develop comprehensive plans encompassing wealth management, lending, insurance, and estate planning. Her client focus areas include college education planning, executive compensation, divorce transition planning, family wealth management, portfolio and retirement income planning. Marla holds a bachelor's degree from the University at Albany SUNY and has earned professional designations as a CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She emphasizes a client-centered approach, aiming to understand each client's unique circumstances and comfort with investment risk to deliver strategies that align with their long-term objectives. Outside of her professional role, Marla enjoys playing pickleball and volleyball, running, reading, and spending time with her family. She resides on the South Shore of Staten Island with her wife and three sons.

Stephen Stowell is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, N.A. Outside of his advisory role, he participates in meal delivery through Door Dash on weekends. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Margaret Spadora is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Wai Chan is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, he serves as one of three managers for SAW Holdings I LLC, a personal holding company established to protect family assets. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Emmert is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 designations and has worked at various Fidelity entities since 2012. Outside of finance, he is an adjunct professor of jazz saxophone at the University of North Florida and performs music professionally through his own contracted events. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Eddie Garcia is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at Fidelity Investments for three years. 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 strategies designed for a range of clients including individuals, high-net-worth clients, and institutional investors.

Jeffrey Riker is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Merrill, he worked at Fidelity Investments and Bank of America, N.A. His background also includes a brief role with Naval Air Systems Command and entrepreneurial experience at Lone Oak Brewery. 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 both model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Victor Rahner is a financial advisor with Merrill based in Jacksonville, FL, holding Series 66 and Series 63 credentials and having five years of industry experience. Prior to joining Merrill, his background includes roles in hospitality management and a position at the Cato Institute. He was also involved with Florida State University and its Campus Recreation program. 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 serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sandy Misenheimer Pelot is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is involved in consulting through the Misenheimer Group. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with significant investable assets. The firm combines research-driven modeling and tax-efficient strategies to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Rachel Artiste is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2007. Outside of her advisory role, she is a co-owner of a family rental property. 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 to individuals, high-net-worth clients, and institutional investors.

Charles Huguenard Jr. is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has worked previously at First Horizon, Bank of America, and Merrill. Outside of his advisory role, he is the owner and manager of HUGS Holdings LLC, a non-investment related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

Matthew Butler is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Bank of America. Outside of finance, he is involved in cybersecurity consulting focused on data privacy strategies for content creators and senior citizens and works part-time at J Alexanders Restaurant. 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 plans, corporations, and charitable organizations.

Steven Robertson is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and one year of industry experience. His prior work includes positions at Finish Line/JD Sports, Dick's Sporting Goods, and Southwestern Assemblies of God University. 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, pension plans, corporations, and charitable organizations.