James Spilman is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in Jacksonville, Florida. He has been with Merrill Lynch since 1985 and brings over 30 years of investment experience to his role. James offers clients customized wealth management advice and personalized service in areas such as retirement planning, tax minimization strategies, portfolio construction, college education planning, liquidity management, and both individual and corporate investment strategies. James holds a Bachelor's Degree in Accounting from the University of Tennessee at Martin and is a Personal Investment Advisor (PIA). His approach is grounded in understanding each client's objectives and maintaining open communication to help meet their financial goals. As he approaches his 40th anniversary with Merrill in 2025, James continues to assist clients in achieving their financial goals and objectives. Outside of his professional work, James participates in community service through volunteering with local organizations. His personal interests include baseball, basketball, biking, football, golfing, tennis, and spending time with his family.

Chad Dixon is a financial advisor with J.P. Morgan Securities in Saint Augustine, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Merrill, Regions Bank/Cetera, and GLP Investment Services/Asset Allocation Strategies. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Christopher Bouton is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 21 years of industry experience. He has worked at Merrill since 2005. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kimani Ridley is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. With over eight years of industry experience, Kimani focuses on delivering personalized financial guidance that combines investments, insurance, lending, and banking solutions tailored to client needs. Kimani's expertise extends to small business strategies, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. Leveraging experience from both Bank of America and Merrill Lynch, Kimani aims to simplify complex financial matters to empower clients to make informed decisions. Kimani holds a Bachelor's Degree from the College of the Holy Cross and is a Personal Investment Advisor (PIA). Outside of work, Kimani enjoys basketball, football, golfing, scuba diving, spending time with family, and traveling.

Amber Bennett is a financial advisor at Raymond James Financial with 18 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Truist Advisory Services and Bb&T Securities. In addition to her advisory role, she supports financial advisors as a registered sales assistant at Pinnacle Asset Management and The Horizon Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored non-discretionary planning and employs analytical tools to guide client decisions, while supporting a broad advisor network and integrating municipal advisory services.

Stephen Parkin is a financial advisor with Ameriprise in St. Augustine, FL, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic tools to deliver tailored, non-discretionary advice primarily for clients maintaining assets in Ameriprise-managed accounts.

Elizabeth Fredeking is a financial advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2015 and is focused on building deep client relationships through personalized wealth management strategies. Her work includes helping clients create strategies aligned with their financial goals by understanding what matters most to them. Elizabeth provides professional advice in areas such as tax and estate needs, wealth preservation, retirement planning, and portfolio management. Her client focus areas include college education planning, corporate benefits, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. She holds the FINRA Series 7 and Series 66 registrations, as well as the Personal Investment Advisor (PIA) designation, and is registered in multiple states. She earned a bachelor's degree from the University of Cincinnati. Elizabeth also participates in community volunteering activities. Her personal interests include cooking, gardening, golfing, running, skiing, swimming, tennis, traveling, and yoga.

Christopher Fromm is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and possessing 25 years of industry experience. He worked at Lincoln Financial Advisors Corp. for 24 years prior to joining OSAIC in 2025. He is also licensed as an insurance agent offering disability insurance, fixed and indexed annuities, long-term care insurance, premium financing, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct customized portfolios.

Stephen Young is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Merrill since 1980 and Bank of America since 2010. Outside of his advisory role, he is involved in a family business focused on the purchase and sale of residential real estate lots in Saint Augustine, 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 for individuals, high-net-worth clients, and institutional investors, combining internal Chief Investment Office models with third-party managers.

Michael Hurley is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, Hurley serves as a part-time office official for the Jacksonville Icemen, a minor league ice hockey team. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Valentine is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2006. The firm provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal and third-party managers for a diverse range of clients including individuals, high-net-worth clients, and institutional investors.

Jeremy Shaheen is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and Bank of America. His background also includes roles outside of finance, such as involvement with ShiftGIG (BookedOut.com) and experience at the University of North 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dustin Moore is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill since 2010 and has been associated with Bank of America, N.A. since 2014. Outside of his advisory role, he acts as a power of attorney for an entity in Middleburg, 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 model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Reyes is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, with one year of industry experience. Prior to joining Merrill, he worked in education and community organizations, including positions at Duval County Public Schools and Year Up Jax. Outside of finance, he manages a local restaurant, Riviera Maya Mexican Cuisine. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joseph Ellis is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Cordero is a financial advisor with Primerica Advisors in Jacksonville, FL, holding a Series 65 license and 17 years of industry experience. His career includes roles at Pfs Investments Inc. and Primerica Financial Services since 2008 and 2009, respectively, alongside involvement in the education sector with Putnam and Flagler County Schools. Outside of financial advising, he owns a business unrelated to investments that involves home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties, focusing primarily on individual investors rather than institutional clients.

Jason Rosado is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he worked in various roles including at Hurricanes Grill and Wings and C&S Distributions. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Croghan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and has ten years of industry experience. He has been with Merrill 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, and various institutional clients.

Craig Gibian is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill since 2016 and previously worked at Bank of America, N.A. from 2023 to the present. 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, and institutional investors, supported by internal CIO teams and third-party managers.

Michael Sousou is a financial advisor with Mass Mutual Investors Services, holding a Series 63 credential and over 41 years of industry experience. He previously worked at Metlife Securities Inc. for 31 years before joining Mass Mutual in 2016. Outside of his advisory role, Sousou serves as a board member for the Riverplace Office Park Owners Association and is a licensed realtor assisting clients with property transactions. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, typically recommending investment strategies without discretionary authority.