Mariam Morris is a financial advisor at Fidelity with seven years of industry experience. She holds a Series 66 designation and has worked with Fidelity Investments since 2025, following several years at FIDELITY Brokerage Services and prior experience at Verizon Wireless. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver discretionary and non-discretionary advisory solutions, model portfolios, and fund advisory services.

Christopher Bady is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. He has worked at Merrill since 2015 and Bank of America since 2018. Outside of his advisory role, he is involved with Body by Bady Inc. (dba Ring Fitness) and Vicalus Inc., and acts as a consultant for USA Containers, where he sells cargo containers remotely. 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, and institutional investors.

Patrick Ruane II is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has worked at various Fidelity divisions since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, and it engages in advisory roles that include fund management and delivery of model portfolios.

Jennifer Moor is a financial advisor at Charles Schwab with Series 63 and Series 66 designations and two years of industry experience. Her prior roles include positions at Flagstar Bank, JPMorgan Chase, and HealthFitness. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment guidance and access to affiliated discretionary SMAs, with integrated brokerage, custody, and advisory services.

Todd Grovenstein is a financial advisor at OSAIC with 39 years of industry experience. He holds a Series 63 designation and previously worked at FSC Securities Corporation for 31 years before joining OSAIC in 2023. Outside of advisory work, he owns a sole proprietorship involved in reviewing client life and annuity policies and operates a real estate business managing tenant relations and property maintenance. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations through various advisory platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across multiple asset classes, offering discretionary and non-discretionary account management options.

Mark Dzikowski is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. 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.

Kendall Park is a CFP® with 31 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2021. Prior to joining Raymond James, he worked at Bank of America for 10 years and Merrill for 27 years. He is a member and chairman of the Jacksonville Police and Fire Finance and Investment Committee. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and advisory services that emphasize tailored, non-discretionary consulting supported by various portfolio management styles and extensive affiliated resources.

Steven Reynolds Jr. is a financial advisor at Cetera with a Series 65 designation and one year of industry experience. Prior to joining Cetera, he worked in various educational roles at multiple schools in Florida. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates as a multi-manager platform with access to affiliated and third-party investment strategies.

Darren Pepper is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Marriott Vacations Worldwide. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services as well as model portfolios.

Michael Lehman is a financial advisor at Fidelity with Series 63 and Series 66 credentials and two years of industry experience. He has worked at Fidelity Investments since 2023 and has prior experience at Marriott, McCaffrey's Food Market, UPS, Coastal Carolina University, and New Hope-Solebury High School. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Racquel Domingo is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 designation and bringing 41 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment solutions and services.

Justin Copeland is a Financial Consultant currently working at Fidelity Investments. He collaborates with clients to understand their short- and long-term objectives and develops financial plans tailored to their individual circumstances. He emphasizes building strong, lasting relationships with clients and their families while maintaining high standards of professionalism. Justin has experience in various roles within the financial industry, including Investment Management Consultant at Fidelity Investments from 2021 to 2024, Investment Advisor at Merrill Edge from 2019 to 2021, Investment Consultant at Merrill Edge from 2017 to 2019, and Investment Services Representative at Fidelity Investments from 2015 to 2017. He holds insurance licenses in Arkansas and California.

Angel Lopez is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with three years of industry experience. His work history includes roles at Bank of America, Liberty Mutual Insurance, and JP Morgan Chase Bank. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ryan Spencer is a financial advisor at Fidelity with Series 66 and Series 63 licenses and three years of industry experience. His prior work includes roles at LoanCare and TIAA Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model solutions.

Ashton Campbell is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2021, beginning as a Workplace Planning Consultant, then serving as a Planning Consultant before his current position. Prior to joining Fidelity, Ashton worked as a Universal Banker at Truist Bank from 2020 to 2021. His professional experience encompasses financial planning and consulting, with a focus on developing financial plans tailored to clients' goals, whether it involves wealth building, retirement transition, or legacy construction. Ashton holds insurance licenses in Arkansas and California. Outside of his professional work, Ashton engages in family activities and enjoys fishing, football, movies, and music.

Saeid Ejmali is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His work history includes roles at Fidelity Investments and prior experience in insurance and education sectors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a proprietary investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves as an advisor to multiple registered investment companies and offers model portfolios for intermediary platforms.

Travis Reap is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. His previous roles include positions at Ameriprise, Ameriprise Financial Services Inc, Wells Fargo Clearing, and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Shelley Conine is a financial advisor at Merrill with 12 years of industry experience and holds the Series 66 designation. She has worked at Merrill since 2016 and at Bank of America, N.A. since 2017, following two years at AllState Insurance 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Clay Triplett Jr. is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has been affiliated with Merrill since 2011 and Bank of America, N.A. since 2013. 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.

Nathanael Jones is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2020. His prior roles include positions at Amerilife of North Florida and AMS Retail Solutions. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing portfolios through a systematic approach and oversight of sub-advisers.