Carmen North is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Her prior experience includes roles at Bank of America and Merrill. She serves as a board member of the Nassau County Board of Economic Development, focusing on donor development for the community organization. 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, institutions, and government entities, offering financial planning and consulting through a variety of portfolio management styles and affiliated research resources.

Wendy Creppel is a financial advisor at Edward Jones in St Marys, GA, holding a Series 66 designation. She has been with Edward Jones since 2016 and has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment advisory programs and maintains a large national network of financial advisors and branch offices.

Emily Dupoux is a financial advisor at J.P. Morgan Securities with series 63 and 66 licenses and five years of industry experience. She has worked at several firms, including TD Bank and Landry's Inc., and currently owns an e-commerce business selling clothing. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Craig Munson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior firms include Waddell & Reed, Hilltop Securities, UBS Financial Services, Edward Jones, and Prudential Equity Group. He is also active in insurance sales through various carriers associated with W&R Insurance Agencies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor-facing technology and a broad suite of financial products.

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.

Robert Javens is a financial advisor at OSAIC with 12 years of industry experience. He previously worked for Woodbury Financial Services INC for nine years before joining OSAIC. Javens holds Series 63 and Series 65 licenses and has held leadership roles including past president of the Rotary Club of DuBois, past president of the board for Dubois Continuum of Care Community Inc., and president of the Greater Dubois Chamber of Commerce. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisors, utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party managed accounts to construct diversified portfolios.

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 42 years of experience in the financial services industry. He is currently with Osaic Wealth, where he has worked since 2025. His prior roles include positions at Ameriprise Financial Services, LLC, Ameriprise Financial Services Inc, and LPL Financial. In addition to his advisory work, he has maintained a role as an insurance agent since 1983. Osaic Wealth serves a diverse range of clients, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and provides access to multiple investment platforms and third-party money managers.

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.

Daniel Waeghe is a financial advisor with Morgan Stanley in Kingsland, GA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at Fidelity Brokerage Services LLC for nine years before joining Morgan Stanley in 2017. Outside his advisory role, he participates as an independent contractor in consumer product focus groups. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct and corporate agreements.

Alan Boyer is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Synovus Securities, Synovus Bank, Aetna, PRUCO Securities, and Prudential Insurance. Boyer also owns Boyer Wealth Management, LLC, a business entity related to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of advisors and advanced operational tools.

Victoria Fitzmorris is a financial advisor at LPL Financial with one year of industry experience and holds a Series 66 designation. Her prior work includes roles at Raymond James Financial Services and Fidelity Brokerage Services. She has also worked in various non-financial roles, including positions in education and healthcare. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Brian Weepie is a financial advisor with LPL Enterprise holding a Series 66 designation and three years of industry experience. His career includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and Southbank Research. Outside of his advisory work, he assists with seating and ticket-related concerns for the Jacksonville Jaguars. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach primarily utilizes model-driven portfolios developed by internal and third-party strategists, offering financial planning and access to various asset managers.

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.

Frank Conner III is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 66 licenses. He has 41 years of industry experience, including 37 years at Northwestern Mutual Investment Management and extended experience as a self-employed agent with Northwestern Mutual Life. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

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.