Jonathan Kriner is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with Triad Advisors, Inc. for 20 years. Outside of advising, he serves as finance director for Christ’s Church of Camden and is president of an insurance agency specializing in property, casualty, and health insurance. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a broad network of affiliated advisers. The firm utilizes asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes, supporting both discretionary and non-discretionary accounts.

Steven Nicklas is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 credentials and has 32 years of industry experience. Prior to joining Raymond James, Nicklas worked at Janney Montgomery Scott and Ameriprise Financial Services. He is the author of a book titled *All About Money* and serves as an instructor with the Nassau County Council on Aging. 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, corporations, and institutions. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Todd Mitchell is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Bank of America, SunTrust Advisory Services, and SunTrust Bank. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Weathers is a financial advisor at Edward Jones with 26 years of industry experience. He has been with Edward Jones since 1999 and holds Series 63 and Series 66 designations. Outside of his advisory role, Weathers serves as a trustee for Wesley Glenn Ministries, is a board member of Oak Grove Cemetery in St. Marys, GA, and plays the bagpipes locally upon request. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Andrew Stash Jr. is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and economic modeling techniques.

Jennifer Cox is a financial advisor with Ameriprise in Kingsland, GA, holding a Series 66 designation and 25 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she serves on the Board of Directors for the FCA of Camden & Charlton County and acts as a quasi treasurer for St. Marys Church of God of Prophecy. Ameriprise offers retirement-income planning services tailored to clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Brian Griffith is a CFP® professional with 41 years of industry experience. He is currently with OSAIC and has previously worked at Ameriprise and LPL Financial. Griffith also holds an insurance agency role involving the sale of insurance products. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a broad network of affiliated advisers and utilizes firm-provided tools and third-party services to manage portfolios across various asset classes.

Anthony Martinez is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Bank of America, N.A. and Merrill since 2014. 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 strategies designed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alan Boyer is a financial advisor with LPL Financial and holds Series 65 and Series 63 designations. He has 15 years of industry experience, including prior roles at Synovus Securities, Aetna, Prudential, and his own firm, Boyer & Associates, LLC. He is also owner of Boyer Wealth Management, LLC, a separate investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Victoria Fitzmorris is a financial advisor at LPL Financial in Jacksonville, FL, holding a Series 66 designation with one year of industry experience. Her prior experience includes roles at Raymond James Financial Services and Fidelity Brokerage Services, as well as positions in higher education and healthcare prior to entering the financial sector. She is also involved with Community First Credit Union of Florida. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brian Weepie is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. He has worked previously at The Prudential Insurance Company of America, Pruco Securities LLC, Southbank Research, Banyan Hill Publishing, and Stansberry Research. Outside of advisory work, he assists with seating and ticket-related support for the Jacksonville Jaguars. LPL Enterprise serves a broad mix of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, model portfolios, and third-party asset management. The firm’s integrated platform combines advisory programs with brokerage and insurance products and includes involvement in collateralized lending arrangements.

Crystal Henning is a financial advisor at Edward Jones with 10 years of industry experience. She holds the CFP® and Series 66 designations and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad network of more than 23,700 financial advisors and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Carolyn Pozzi is a CFP® with 35 years of experience in the financial industry. She is currently with Cetera, where she has worked since 2019, following prior roles at firms including LPL, VyStar Credit Union, Regions Bank, Woodbury Financial Services, and Questar Capital Corporation. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Steven Gibb is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He is involved with the Rotary Club of Amelia Island Sunrise, where he acts as Club Program Chair, responsible for arranging guest speakers for weekly meetings. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and maintaining a large nationwide network of advisors and branch offices.

Eric Conti is a financial professional with five years of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and has worked at multiple firms including Sovereign Wealth Partners, NYLIFE Securities LLC, and IA Financial Advisors. Outside of his advisory work, he hosts The Mindful Money Show, a sponsored radio program focused on financial education in an entertaining format. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing a multi-manager platform that supports various program structures and investment strategies.

Nicholas Mc Turk is a financial advisor at Raymond James Financial Services Advisors, Inc. with three years of industry experience. He holds a Series 66 credential and has previously worked at Arena Investors LP, Tote Services Inc, Arena Capital Advisors, Bison Energy Corp., and NRPP LLC. He serves as an independent contractor performing wealth management duties for his own book of clients. 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, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and uses analytical tools to support client goals, with notable municipal advisor affiliations and specialized advisory programs.

Kim Boylan is a financial advisor with Edward Jones in Fernandina Beach, FL, holding CFP® and Series 66 credentials and bringing 14 years of industry experience. Boylan has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment strategies and affiliated financial services through a nationwide network of more than 23,700 advisors.

Michael Farnham is a financial advisor at Ameriprise with 28 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory work, Farnham is involved in property management through a business ownership role. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a Premier Retirement Income service that provides retirement planning advice through a combination of proprietary research, third-party data, and algorithmic tools, focusing on income stability and tax-efficient withdrawal strategies.

Forrest Foxworth is a Benefits & Planning Consultant in Executive Services at Fidelity Investments, a role he has held since 2026. Prior to this, he served as a Workplace Planning Consultant I, II, & III at Fidelity Investments from 2024 to 2026. Before joining Fidelity, Forrest worked as a Financial Advisor at Thrivent Financial Services from 2023 to 2024. His professional approach emphasizes building trust through meaningful conversations and understanding each client's unique circumstances. He assists clients in navigating complex financial decisions by providing clear and practical guidance, focusing on what matters most to them. Forrest aims to be a trusted resource who helps clients gain confidence, make informed decisions, and stay aligned with their financial objectives. Outside of his professional work, Forrest has personal interests in art, concerts, music, soccer, surfing, and traveling.

Laura Michaud is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, John Hancock Life Insurance Company, Deutsche Bank, and Merrill Lynch. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by the firm’s integrated platform and model portfolios.