Neil Palka is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on providing personalized financial strategies tailored to his clients' unique goals and changing market conditions. Neil collaborates closely with clients throughout different life stages to create, track, and adjust wealth management plans. His expertise includes divorce transition planning, employee benefits planning, executive compensation, services for endowments, foundations, non-profits, defined benefit plans, employee financial health, personal retirement planning, portfolio management, small business strategies, and retirement income. He holds multiple professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Neil earned a Bachelor's Degree from the University of Florida and a High School Diploma from Cocoa Beach High School. He is a member of the Gator Family Giving Council and is involved in his community as a mentor for first-generation college students and by providing financial literacy training for University of Florida student athletes. Outside of work, Neil enjoys boating, fishing, running, swimming, volleyball, traveling, and spending time with his family.

Regina Onkst is a CFP® with 42 years of experience in the financial industry. She has worked at Ameriprise Financial Services since 2018, following prior roles at UBS Financial Services, Morgan Stanley, and A.G. Edwards & Sons. Regina is based in Alachua, Florida. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services with a focus on dependable income sources and tax-aware withdrawal strategies.

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 at Merrill with 23 years of industry experience. He holds Series 66 and Series 63 designations. His career includes prior roles at Bank of America, N.A., Merrill, Adhyaru Asset Management, LLC, and Alliance Global Partners. Outside of his advisory work, he and his wife operate a sole proprietorship that rents their primary residence as a temporary filming location. 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.

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.

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.

Kristin Gibson is a financial advisor at Cetera with 12 years of industry experience. She holds the Chartered Financial Consultant (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, and she owns North Florida Money Management, a tax preparation and securities business. Outside of finance, she has been involved with Vision Volleyball Club since 2009. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets.

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.

Pablo Vela is a Financial Advisor at Merrill Lynch Wealth Management with over 17 years of experience in the financial industry. He began his career at JPMorgan Chase, where he worked across Private Client Banking, Business Banking, Operations, and Management. He later served as an Account Manager for LATAM Financial Institutions within JPMorgan Corporate & Investment Bank, focusing on institutional clients and gaining expertise in global markets, risk management, capital allocation, and macroeconomic strategy. Pablo advises individuals, families, and business owners on financial decisions related to investment strategy, retirement planning, liquidity events, business transitions, and multigenerational wealth management. His approach emphasizes building long-term relationships and providing guidance tailored to clients' goals and values. He holds an MBA from the University of Florida and a Bachelor of Arts in Economics from the University of South Florida. Pablo is also a Personal Investment Advisor (PIA) and is bilingual in English and Spanish. Outside of his professional responsibilities, Pablo enjoys activities such as billiards, boating, cooking, drawing and sketching, hiking, running, scuba diving, spending time with his family, traveling, and watching movies.

Adam Walker is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and two years of industry experience. Prior to joining Raymond James, he spent ten years at Sanofi. He is also involved with Greg Smith, LLC, a non-investment-related support company based in Newberry, FL. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm provides non-discretionary planning tailored to client goals and supports municipal and public finance work through a unique municipal advisor affiliation.

Patrick Foran is a Financial Advisor with Merrill Lynch Wealth Management. He brings a disciplined approach to financial planning, drawing on his background as a graduate of the United States Coast Guard Academy and his experience navigating complex environments. Patrick emphasizes building comprehensive plans tailored to clients' goals and preferences, acting as a navigator to help clients pursue their long-term financial objectives. Before entering financial advising, Patrick served in the Coast Guard on the Great Lakes, in New England, and with the Navy in the Arabian Gulf. He then earned an MBA from Duke University's Fuqua School of Business and a Master's Degree from the University of Florida. His career path included positions in transportation, medical devices, and higher education, where he served as an MBA Admissions Director. This breadth of experience informs his client approach focused on family wealth management, retirement planning, and legacy strategies. Patrick's background instilled strong ethical standards and a commitment to putting clients first. Outside of work, he supports civic engagement and participates in organizations such as the Veterans of Foreign Wars and local booster clubs. His personal interests include bicycling, boating, camping, fishing, and various sports. Patrick holds the Personal Investment Advisor (PIA) designation.