Ronald Scarborough Sr. is a CFP®-certified financial advisor with 25 years of industry experience. He has been affiliated with First Command Advisory Services since 2015 and also has long-standing roles with related First Command entities dating back to 2001. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers a range of financial planning and wrap-fee asset management programs, utilizing model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Charrissa Wright is a financial advisor with Empower Advisory Group in Jacksonville, FL, holding Series 63 and Series 66 designations and 17 years of industry experience. Her prior roles include positions at SoFi Wealth LLC, First Command Financial Planning, Inc., and Bank of America, N.A. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio management through its proprietary planning methodologies and serves a large participant base relative to its advisory staff.

William Carr is a CFP® professional with eight years of experience at Wealth Enhancement Group and three years at Retirement Strategies Inc, totaling 11 years in the financial industry. He is currently affiliated with Wealth Enhancement Advisory Services, LLC, based in Jacksonville, FL. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers a range of financial planning and asset management services, utilizing a combination of passive and active investment strategies guided by an internal Investment Committee.

Victoria Hoch is a financial advisor with Independent Advisor Alliance, LLC, holding the ChFC® designation and Series 63 and 66 licenses. She has 22 years of industry experience, including roles at LPL Financial, Raymond James Financial, and Perrone Financial Group. Hoch provides investment advisory services primarily through Independent Advisor Alliance, a firm she joined in 2025. Independent Advisor Alliance serves a diverse range of clients, including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, wealth coaching, and retirement plan consulting. The firm combines a network model of independent advisory representatives with access to brokerage services through LPL Financial and integrates technology platforms for portfolio management and estate planning.

Timothy Hoffman is a financial advisor at Empower Advisory Group with 19 years of industry experience. He holds a Series 66 designation and has worked at GWFS Equities, Inc., Bank of America, N.A., and Merrill. Empower Advisory Group provides financial planning and investment management primarily to employer‑sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated services emphasize long‑term portfolio returns, annual rebalancing, and clients’ savings rates within plans selected by sponsors.

Alexia Gooch is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. She has held roles at several firms, including Alight (now Strada) and NetLaw Inc., and is involved in part-time work discussing Medicare and Medicaid options. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individual investors, employer-sponsored retirement plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio approach combined with third-party managers and digital platforms, managing regulatory assets of approximately $1.7 billion.

Stephen Gansler Jr. is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to joining Janney in 2019, he worked at Bank of America and Merrill. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutions, offering brokerage services, financial planning, and advisory programs with a mix of in-house and third-party portfolio management.

James De Sanctis is a financial advisor with Lincoln Investment, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Capital Analysts, Empower Financial Services, Merrill, Bank of America, Black Diamond, Charles Schwab, and others. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and a variety of investment programs managed through both strategic and tactical approaches.

Margaret Wright is a financial advisor at Janney Montgomery Scott with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Janney, she held positions at Thomas Head, Skye Hamilton, Stephen Harrison, and Equitable Advisors. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and various advisory programs.

David Glenn is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and has 10 years of industry experience. He has worked with Bank of America, N.A. and Merrill since 2015, accumulating 11 years in these roles. Merrill, along 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, with a range of portfolio implementation options and tax-aware strategies.

Sianna Soto is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and having 11 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she co-owns Brain Frog Designs LLC, a small business selling custom shirts and crochet items online and at craft fairs. 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.

Amanda Schwab is a financial advisor at Merrill with 12 years of industry experience. She holds Series 66 and Series 63 credentials and has been with Bank of America and Merrill since 2014. 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 plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Bruce Nicholas Cabanayan is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. He has worked at Merrill since 2021 and previously spent five years with Bank of America. 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, pension plans, corporations, and charitable organizations.

Samuel Dunn is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Fidelity Brokerage Services LLC since 2019, following five years with Voya Financial Partners. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, and it serves as a registered commodity pool operator with oversight roles for multiple registered investment companies.

Elbert Bledsoe is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in developing strategies and providing advice for high-net worth individuals, their families, and their businesses, with a focus on understanding their short- and long-term financial objectives. His areas of expertise include corporate executive services, education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Elbert holds a bachelor's degree from Aquinas College and a master's degree from the University of Florida. He has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He has over 39 years of experience assisting individuals and companies in pursuing their financial goals. Outside of his professional work, Elbert is involved in the community and serves on the boards of the North Florida School of Special Education and Safe Haven Ministries. He and his wife Lynn live in Jacksonville and are active in supporting various charitable organizations. He enjoys adventure sports such as kayaking, backpacking, and mountain climbing. Elbert values his faith, family, and friends.

Terry Bowser is a financial advisor with Fidelity Investments in Jacksonville, FL, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Vision Manufacturing, American Public University, and service in the United States Air Force. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios.

Stephanie Lesso is a financial advisor at Raymond James & Associates with 13 years of industry experience. She held positions at Morgan Stanley and Morgan Stanley Private Bank from 2013 to 2025 before joining her current firm. She serves as a board member on the Federation Finance Committee, contributing to investment and budget oversight. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base with tailored financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Cameron Slack is a CFP® certificant and Series 66 license holder currently with Equitable Advisors, where he has worked for three years. He has prior experience at Encor Solar, American Senior Benefits, and Koss Olinger. Slack is a notary public and a member of two small businesses, including an architecture firm focused on environmentally conscious design in the Treasure Coast area. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a variety of advisory models and third-party asset managers to serve a broad client base, including both non‑high‑net‑worth and high‑net‑worth clients.

Thomas Goodrich IV is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He was previously with Ameriprise Financial Services, Inc. from 2005 to 2020. Goodrich is a board member of the North Florida Land Trust. Ameriprise is a large institutional firm providing retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

James Garrison is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 12 years of industry experience. He has been with Merrill since 2013. 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.