Michael Relyea is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of Relyea, Barcelona, Sperrazza & Associates. He has worked in the financial services industry since 1997, gaining experience in various positions across three different firms. This diverse background contributes to his approach to providing financial advice. Michael is part of a team that includes partners Mylene Barcelona and Charles Sperrazza, along with assistants Chelsea Pagoaga and Teresa Proulx. The team combines different skill sets to deliver comprehensive resources and perspectives to clients, enhancing the likelihood of achieving their financial goals. He holds the professional designations Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Michael earned a Bachelor's Degree from the University of Richmond and completed an Accredited Certificate Program at the American College.

Neil Palka is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their individual goals and changing market conditions. Neil offers expertise in a variety of areas including divorce transition planning, employee benefits planning, executive compensation, retirement income, and services for endowments, foundations, and non-profits. His approach involves identifying clients' priorities, setting and tracking progress towards goals, and adjusting plans as needed throughout different phases of wealth creation, preservation, and transfer. Neil holds a high school diploma from Cocoa Beach High School and a bachelor's degree from the University of Florida. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is actively involved in professional and community organizations such as the Gator Family Giving Council, mentors first generation college students, and provides financial literacy training to University of Florida student athletes. Outside of his professional responsibilities, Neil enjoys boating, fishing, running, swimming, traveling, volleyball, and spending time with his family.

Regina Onkst is a CFP® professional with 41 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Her prior experience includes roles at Ameriprise Financial Services Inc and UBS Financial Services Inc. Outside of her advisory work, she is involved in real estate ownership in Alachua, Florida. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Steven Summers is a financial advisor with Stifel in Gainesville, FL, holding a Series 66 designation and 23 years of industry experience. He has been with Stifel since 2009. Summers is also a commissioned notary public. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Lane Abraben is a financial advisor with Charles Schwab in Gainesville, FL, holding a Series 66 designation and eight years of industry experience. His prior work includes two separate periods at First Magnitude Brewing Co. from 2015 to 2019. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Toika Lankenau is a financial advisor at Merrill with 29 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2006. 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.

Parag Adhyaru is a financial advisor with Merrill in Gainesville, FL, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has worked at Merrill since 2016 and at Bank of America, N.A. since 2019. Outside of his advisory role, he and his wife operate a sole proprietorship that rents their primary residence as a temporary filming location. 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 a range of individual and institutional clients.

Rebecca Weseman is a financial advisor at Edward Jones in Gainesville, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked for nine years at HCA Florida North Florida Hospital. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a network of more than 23,000 financial advisors and 15,000 branch offices nationwide.

Kristina Gibson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 15 years of industry experience. She previously worked at Summit Wealth Strategies for six years from 2012 to 2018. She is based in Newberry, FL. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Julia Gibson is a Series 66 licensed financial advisor with Charles Schwab in Gainesville, FL, where she has worked since 2023. She has two years of industry experience and previously worked at Thermo Fisher Scientific and the University of Florida. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios and due diligence on alternative investments through its centralized, integrated platform.

Charles Baker is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Baker duBois Group in Gainesville, Florida. He has been with Merrill Lynch since 1996, bringing extensive experience in advising clients on family wealth management, legacy planning, philanthropic planning, retirement income, and socially responsible investing. Charles is a qualified Portfolio Manager, capable of creating and managing personalized investment strategies that may include individual stocks, bonds, Merrill model portfolios, and third-party strategies, some of which may be managed on a discretionary basis through the firm's Investment Advisory Program. Before entering the financial advisory field, Charles served nine years as a Supply Officer in the U.S. Navy with tours aboard a ship, a submarine, and with a Navy SEAL team. He holds a Bachelor of Science degree in Naval Architecture from the U.S. Naval Academy and earned a Master of Business Administration from Old Dominion University while serving as a Naval Officer. Since 2001, he has been a CERTIFIED FINANCIAL PLANNER® certificant, a professional designation awarded by the Certified Financial Planner Board of Standards, Inc., and also holds the Personal Investment Advisor (PIA) designation. Charles is committed to helping clients realize their financial objectives by understanding their priorities and providing disciplined guidance. He also shares his knowledge through client education events and private groups. Outside of his professional work, Charles has diverse interests including billiards, chess, drawing, hiking, music, reading, singing, swimming, table tennis, and woodworking.

Brian Hughes is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill, TD Ameritrade, and Bank of America Merrill Lynch. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Christina Ebey is a financial advisor with Edward Jones in Jonesville, FL, holding the ChFC® and Series 66 designations and having seven years of industry experience. She has been with Edward Jones since 2018 and previously worked as an instructor for FLVS and Sumter Alternative School. Outside of her advisory role, she continues to teach at FLVS. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of more than 23,700 financial advisors.

Melisa Lemoyne is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on family wealth management strategies, personal retirement planning, tax minimization, and retirement income. Melisa is committed to developing personalized financial strategies tailored to her clients’ long-term goals. Melisa brings extensive expertise in assisting individuals and families as they prepare for retirement, emphasizing listening to clients’ stories and understanding their concerns. Her approach addresses complex financial issues such as longevity and dementia through comprehensive wealth management plans that integrate retirement income, healthcare, and estate planning services. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Melisa holds a High School Diploma from Christian Brothers Academy, a Bachelor’s degree from LeMoyne College, and a Master’s degree from the State University of New York at Albany. She is active in the Central New York community, involved with organizations such as the Alzheimer’s Association, Central New York Chapter, and the New York State Children’s Alliance, Inc. Outside of work, she enjoys boating, golfing, reading, skiing, and watching movies.

James Onkst is a financial advisor at Ameriprise with 23 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2018, previously spending five years with UBS Financial Services. Outside of his advisory work, Onkst operates a mowing business where he maintains equipment and services fields for a small number of clients. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research and modeling with tailored recommendations, emphasizing tax efficiency and asset management within Ameriprise-managed accounts.

Philip Crutchfield is a Series 66-licensed advisor with Raymond James & Associates in Gainesville, FL, with three years of industry experience. He previously served on the School Board of Alachua County for 12 years. Outside of his advisory role, he owns a small family farm growing row crops and serves on the finance committee of a nonprofit organization, Gianna's Place. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by extensive research and multiple portfolio management styles.

Startoria Stevens is a Financial Advisor at Merrill Lynch Wealth Management. She collaborates with clients to develop comprehensive financial strategies tailored to their unique goals and priorities, utilizing the resources of Bank of America and Merrill Lynch, including banking, lending, and investing services. Her approach involves creating well-structured plans that are regularly reviewed and adjusted to align with evolving client objectives. Ms. Stevens has expertise in family wealth management strategies, personal retirement planning, and retirement income. She holds the Professional Investment Advisor (PIA) designation. Her educational background includes a Master of Science in Health Service Administration from the University of Central Florida and a Bachelor of Arts in Mathematics from the University of Florida. Outside of her professional role, Ms. Stevens enjoys boating, camping, cooking, football, gardening, gymnastics, spending time with her family, swimming, and traveling.

Robert Mack is a financial advisor at Edward Jones in Gainesville, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Dish Network and T-Mobile. Outside of his advisory role, he has been involved with Nature Coast Gaming LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of financial advisors and branch offices across the United States.

Kristin Gibson is a financial advisor at Cetera with 12 years of industry experience. She holds the ChFC® designation along with Series 65 and Series 63 licenses. Prior to joining Cetera, she worked at Concourse Financial Group Securities Inc and Alan Hagopian. Outside of her advisory role, she is the owner of North Florida Money Management, a business involved in tax preparation and securities services. Cetera Investment Advisers LLC is a national firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party model portfolios.

Kirk Ruth is a financial advisor with UBS Financial Services in Gainesville, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 2015. Outside of his advisory role, he is also involved in rental real estate as a property owner. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides a range of capital markets, custody, and research resources.