Laura Tate is a financial advisor at Merrill with 18 years of industry experience. She has been with Merrill Lynch since 2011 and holds Series 63 and Series 66 licenses. Outside of her advisory role, she is the owner of Ruff House Retreat, LLC, a non-investment related business based in Jacksonville, Florida. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm integrates its services into Bank of America’s broader platform, including access to swaps, derivatives, lending, and custody services.

Palmeira Burnsworth is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 19 years of industry experience, all at Merrill since 2007. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services.

Rachael Naylor is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that utilizes firm-approved tools and models to assist clients in managing approximately $2.74 trillion in assets.

Derek Knadle is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various capacities within Fidelity since 2015, including roles at Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services, manages multi-manager and fund-of-funds structures, and supports model portfolio delivery to intermediary platforms.

Kelly Pivola is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors, LLC from 2013 to 2016. Outside of her advisory role, she is a notary public in Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm follows an IPS-driven approach grounded in modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Wendi Orr is a Series 66-licensed financial advisor with one year of industry experience, currently affiliated with Thrivent Investment Management in Jacksonville, FL. Prior to joining Thrivent, she held positions at Fidelity Investments and has a diverse work background including roles in child care and community organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary portfolio management. The firm offers integrated planning and managed-account services through its WealthPlan platform, maintaining financial advisor-led plan development and periodic reviews.

Chris Champion is a Planning Consultant at Fidelity Investments. In this role, he collaborates with clients and their dedicated Financial Consultants to develop financial plans tailored to the unique needs of each family. He also works to identify strategies that strengthen these plans and support clients in working towards their financial goals. Chris has been with Fidelity Investments since 2021, progressing through roles including Financial Representative from 2021 to 2022 and Relationship Manager from 2022 to 2024 before assuming his current position. This experience has provided him with a comprehensive understanding of client financial planning and relationship management. Outside of his professional work, Chris has personal interests in baseball, football, food, and parenthood.

Justin Harris is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. He has been with Fidelity Investments since 2023. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and long-term asset allocation benchmarks.

Robert Rafacz is a financial advisor at LPL Enterprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides advisory and brokerage services, utilizing an integrated platform that combines financial planning, model portfolios, third-party asset management, and insurance products.

Peyton Sayer is a financial advisor at Fidelity with five years of industry experience and holds a Series 66 designation. Their work history includes multiple roles at Fidelity Investments and previous positions at the University of Georgia, Ben Epps Airport, Publix Supermarkets, and the University of North Georgia. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and its use of algorithmic methods and AI in research.

Erin Mccarthy is a financial advisor with Ameriprise in Jacksonville, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. She has been with Ameriprise and its affiliate since 2011. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, delivering written recommendations that address income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary retirement advice through a centralized consulting team.

Luke Nietz is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at several firms including Raymond James and Associates, 3 Points Preservation, Carrington Holding Company, and TIAA before joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios comprising mutual funds, ETFs, and ETPs.

Ellen Middleton is a financial advisor with Raymond James Financial in Jacksonville Beach, FL, holding a Series 63 designation and bringing 40 years of industry experience. She has worked at Raymond James Financial Services, Inc. since 1996 and led her own practice, Ellen O. Middleton & Associates, from 2010 to 2025. In addition to her advisory role, she is associated with Beachside Wealth Partners, where she meets with clients to develop personalized financial plans. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored advice supported by extensive research and a broad affiliate network.

Ryan Clemens is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Clemens is based in Jacksonville, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Antonio Conticelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry for 28 years and joined Merrill Lynch Wealth Management in 2012. Antonio provides comprehensive wealth management services, working closely with clients to identify their financial goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning. He offers access to the investment insights of Merrill and the banking services of Bank of America, incorporating equities, fixed income, alternative investments, options, and ETFs to craft tailored financial strategies. Antonio holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Mount Saint Mary's University. Clients have entrusted him and his team with over $465 million in assets as of January 1, 2026. He is fluent in English and Italian and has served as a past member of the Mount Saint Mary's University President's Council. Antonio and his wife Barbara reside on Amelia Island, Florida, and are actively involved parishioners at St. Michael Catholic Church in Fernandina Beach. He contributes to the community through roles such as Lector and member of the church's Finance Council. His personal interests include basketball, cooking, football, gardening, soccer, and spending time with his family.

Frank Houston is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. Prior to joining Raymond James in 2021, he worked at Bank of America, N.A. for nine years. Outside of his advisory role, he licenses the construction arm of Southern Impression Homes as the general contractor of record. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both discretionary and non-discretionary advisory relationships.

Marcella Coppola is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 65 and Series 63 registrations and eight years of industry experience. Her work history includes roles at Wells Fargo Bank, TD Bank, JP Morgan Chase, and Englewood Savings and Trust. Outside of finance, she works part-time as a cashier in a grocery business. 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.

Brad Rude is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held multiple roles at Morgan Stanley and Morgan Stanley Private Bank from 2012 to 2020. 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 range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Sean Furlong is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2014. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional clients. The firm is integrated into Bank of America’s broader platform, providing access to a wide set of investment products and services.

Daniel Roma is a Financial Consultant at Fidelity Investments. He partners with individuals and families to develop financial plans aimed at enhancing their financial well-being. In his role at Fidelity, Daniel focuses on understanding clients' priorities to build customized strategies aligned with their goals and needs, and he monitors these plans to implement adjustments as necessary. Daniel's experience at Fidelity Investments spans several roles, including Planning Consultant from 2022 to 2025 and Workplace Planning Consultant from 2021 to 2022, before assuming his current position. He holds insurance licenses in Arkansas and California.