Alysha Ammerman is a financial advisor with Raymond James Financial Services Advisors, Inc. in Ponte Vedra Beach, FL, holding a Series 66 designation and two years of industry experience. Her background includes roles in education and local business, including positions at the University of Central Florida and Ponte Vedra Bar & Grill. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm provides tailored, non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Moses Salib is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 13 years of industry experience. He has been with Merrill since 2012 and concurrently with 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tara Manson is a financial advisor at Thrivent Investment Management with seven years of industry experience. She holds a Series 66 designation and previously worked at First Citizens Bank for nine years. Manson has been with Thrivent Financial and its related entities since 2019. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, focusing on holistic, goal-based planning across multiple financial topics. The firm combines planning and managed-account services under a consolidated billing option while maintaining separate delivery and does not offer institutional portfolio management.

James Schless is a CFP® professional affiliated with Cambridge Investment Research Advisors, bringing 33 years of industry experience. He has held positions at Cambridge Investment Research Advisors since 2021 and has prior experience at First Command Financial Planning spanning from 1993 to 2021. Outside of advisory services, he is involved in business coaching and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and estates. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing various custodial platforms and proprietary and third-party model strategies tailored to client objectives.

John Phillips is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill since 2015. Outside of advising, he performs freelance work as a consultant and independent contractor for transportation-related platforms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a variety of clients, including individuals, high-net-worth clients, and institutional investors.

Justin Wroten is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Primerica Advisors since 2003 and previously served as Vice President of Chapter from 2016 to 2017. Outside of advising, he is involved in sales of loan products and home security referrals through affiliated companies and operates Justin K. Wroten, LLC for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options in a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, maintaining a focus on percentage-based fees and ongoing manager oversight.

Joseph Powanda is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has four years of industry experience, including roles at Modera Wealth Management and Range Finance prior to joining J.P. Morgan. 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 applying an ESG eligibility framework in its recommendations.

Kevin Cunningham is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to that, he was associated with Stolen Rhodes LLC from 2015 to 2018. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Carrie Stinchfield is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses with 30 years of industry experience. She has been with Raymond James & Associates since 2006. The firm oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutional entities, and municipal organizations. Raymond James & Associates provides financial planning and investment consulting through various programs, combining a range of portfolio management styles with firm research and affiliated sub-advisers.

Joseph Cusick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in managing clients' wealth since 1998, focusing on providing dedicated service to support their financial needs. Joseph holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also recognized as a Personal Investment Advisor (PIA). He earned a bachelor's degree in Accounting from Villanova University and a Master of Business Administration from the University of North Florida. Additionally, Joseph is a former Certified Public Accountant. He resides in Jacksonville with his wife, Kelly, and their three children.

Philip Wise is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at Merrill since 1996 and has spent the past 15 years at Bank of America, N.A. in Ponte Vedra Beach, Florida. 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 a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Aaron Ghelerter is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo from 2015 to 2019. He is based in Jacksonville, Florida. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Franskousky is a CFP®-designated financial advisor with LPL Financial in Ponte Vedra Beach, Florida, bringing 24 years of industry experience. He has been with LPL Financial since 2010 and had a brief tenure at Private Wealth, LLC in 2018. Outside of his advisory role, Mr. Franskousky is involved in teaching continuing education classes for CPAs and leads divorce-related radio shows and workshops, drawing on his certification as a Florida Supreme Court Certified Family Law Mediator. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, utilizing discretionary and non-discretionary management supported by in-house and third-party research, and provides various portfolio management and participant advice solutions.

Lauren Randle is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, she held positions at Northwestern Mutual and worked in educational roles at the University of Florida and Florida Atlantic 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Joseph Magurne is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is 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 strategies for individuals, high-net-worth clients, and various institutional investors, utilizing internal Chief Investment Office teams and third-party managers.

Paul Sinofsky is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 66 designations and offering 41 years of industry experience. He has worked with Primerica Advisors since 1985 and with Primerica Financial Services since 1984. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated entities. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that employs model-driven strategies and operates at scale with thousands of advisors and billions in assets under management.

Jeremy Hall is a financial advisor with Merrill in Saint Augustine, FL, holding a Series 66 credential and having 12 years of industry experience. He has worked with Merrill since 2014 and with Bank of America since 2015. Outside of advising, he is involved in managing a vending machine business and owns a company related to property management. 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.

Rick Benitez is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been working at both Merrill and Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Charles Thomas is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. He has been with Merrill since 2014 and previously worked at Publix in 2019. 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 developed by internal teams and third-party managers.

John Peterson is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch since 2010. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm’s investment approach includes multiple program strategy types and manager-constructed strategies, supported by its integration with Bank of America affiliates and a focus on tax-efficient implementation.