Frederick Keator is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63, 65, and 66 designations and over 32 years of industry experience. He previously spent 14 years with Wells Fargo Advisors Financial Network LLC before joining Raymond James in 2019. Outside of his advisory role, he is managing partner of Keator Group, LLC, president and sole owner of Chiara Corp, and serves as treasurer of the Lenox Police Association as well as a director of the Massachusetts Broadband Institute. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through advisory programs and a large network of affiliated advisors.

Bryan Ollier is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Merrill since 2012. Outside of his advisory role, he works part-time in sales for a footwear company. 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.

William Hohmann is a CFP® professional with 26 years of industry experience. He is currently with Cetera and previously worked at Concourse Financial Group Securities Inc and operated advisory firms including Centerpoint Advisory Services Inc. Hohmann also owns Florida Shield Insurance & Advisory, focusing on property, casualty, life, and health insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporations, charities, and institutions, offering portfolio management, financial planning, and retirement services through a multi-manager platform that supports a range of investment strategies and program structures.

David Jenkins is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 1999 and Bank of America since 2011. Outside of his advisory role, Jenkins owns a sole proprietorship that provides tennis racket stringing services and also works part-time for the Nassau County Election Commission. Merrill, together with its affiliate Managed Account Advisors LLC, offers 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.

Elicia Fultz is a CFP® professional with 25 years of experience in the financial industry. She is currently with Ameriprise and previously worked at UBS Financial Services Inc for 11 years. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in net investable assets, offering tailored recommendation reports that include income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients’ retirement planning.

Ryan Marsh is a CFP® with nine years of industry experience, currently associated with Osaic Wealth, Inc. since 2024. He previously worked at Triad Advisors from 2014 to 2024. Marsh is also engaged in insurance sales, providing clients with insurance products to fit their needs. Osaic Wealth, Inc. serves a diverse range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various investment types.

Susan Hedberg is a financial advisor at Raymond James & Associates with 39 years of industry experience. She has been with Raymond James & Associates since 2005. Hedberg holds Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, charitable organizations, and governmental entities, offering financial planning and advisory services with a range of portfolio management styles supported by affiliated research and model managers.

Justin Bender is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and 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 model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Withrow is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with nine years of industry experience. He has been with Merrill and Bank of America since 2017. Prior to his advisory role, he was involved with Whiffletree Farm in 2016. 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 plans, corporations, and charitable organizations.

Tina Rogers is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 20 years of industry experience. She has worked at Merrill for the majority of her career, from 2004 to 2022 and again since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Watson is a financial advisor with Raymond James & Associates in Ponte Vedra Beach, FL, holding Series 63 and 66 licenses and bringing 23 years of industry experience. He has worked with Raymond James & Associates since 2013, with a two-year period at Dunhill Financial from 2018 to 2020. Outside of his advisory role, he serves as a volunteer bookkeeper and treasurer for local Boy Scouts of America groups. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and institutional fiduciary services, with a range of portfolio management styles supported by extensive research and a nationwide adviser force.

Michael Hakimi is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. He has been with Bank of America and Merrill since 2014. Outside of his advisory role, he serves as a consultant and independent contractor for the Financial Industry Regulatory Authority, participating in arbitrator activities such as hearings and dispute resolution. 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 institutional accounts.

David Grass is a financial advisor with Merrill based 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, N.A. since 2015. 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 a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Christopher Hill is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been with Merrill since 2019 and concurrently works at Bank of America N.A. since 2020. Prior to his financial career, he held various roles including positions at Chick-fil-A and attended the University of North Florida from 2015 to 2019. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers model-based and discretionary investment strategies integrated into Bank of America’s platform, providing access to a wide range of products and services.

William Mccauley is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2004. 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.

Lindsey Taylor is a financial advisor at Edward Jones in St. Augustine, FL, holding the Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2022, she worked in education at several institutions including Impact Early Education and St. Johns County Public School District. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Anita Baltazar is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 credential and three years of industry experience. Her prior roles include positions at McKesson Medical Surgical, OneCall, Data Verify, Voya Financial, and PaperlessPay Corporation. 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.

Ian Pajcic is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he began his financial career in 1999. He initially practiced independently before building The Pajcic Group, an 11-person team with over 200 years of combined experience focused on personal client relationships. The team specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Ian, as a qualified Portfolio Manager, provides traditional financial advice while also constructing and managing personalized investment strategies that may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. When operating within the firm's Investment Advisory Program, he may manage these strategies on a discretionary basis. He also serves as a liaison between his group and internal business associates. Ian holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., and has earned the Personal Investment Advisor (PIA) designation. He obtained his Bachelor's Degree from the University of Central Florida and graduated from Episcopal High School, where he served on the Alumni Board from 2008 to 2010. Ian is active in the Jacksonville community through his involvement with the Jacksonville School for Autism. Outside of his professional work, Ian enjoys golfing and wine collecting, as well as cooking, fishing, football, skiing, and spending time with his wife Monica and their three children, Austin, Anna Grace, and Alina, in Jacksonville.

Alexander Intriago is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously with Wells Fargo Clearing Services LLC and M Holdings Securities, Inc. Intriago serves as a board member of The River Club in Jacksonville, Florida. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu that addresses various client needs, including cash-flow, retirement, education, and specialized planning such as business-owner transition and sports & entertainment planning.

Kimberly Rudd is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2001 and also works with Bank of America, N.A. since 2009. 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.