Brendan Clooney is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held various roles including independent contractor for a food delivery service. 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 strategies for a range of individual and institutional investors.

Joseph Bott is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Edward Jones and Merrill Lynch, Pierce, Fenner & Smith Inc. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Golod is a financial advisor with Morgan Stanley in Ponte Vedra, FL, holding Series 63 and Series 65 licenses and having 47 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017, following a brief period out of the industry. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers its services through a combination of proprietary strategies and affiliated entities.

Debra Guthrie is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and having 26 years of industry experience. She has been with Merrill since 1997. Outside of her advisory role, she holds power of attorney responsibilities for family members’ retirement accounts. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, and charitable organizations.

Tim Mc Mahon is a Series 66-licensed financial advisor at J.P. Morgan Securities with experience at Morgan Stanley and J.P. Morgan Chase Bank. His background includes entrepreneurial activities such as operating Tims Hoops and involvement with the Danny Balderson Basketball Camp. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Jonathan Adamski is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2003 and has over 15 years of experience in the Asset Management sector prior to joining the Pajcic Group. His expertise lies in Portfolio Management, and he holds the CERTIFIED FINANCIAL PLANNER® professional designation as well as the Personal Investment Advisor (PIA) designation. Jonathan earned his bachelor's degree from Rollins College and completed his MBA at Florida Atlantic University. He lives in Ponte Vedra with his wife Maribeth and their three children.

Charles Engelbrecht is a financial advisor with Cetera in Jacksonville, FL, holding the Series 66 designation and one year of industry experience. He has a background in home health consulting, serving as president of Florida First Care, Inc. since 2000. Engelbrecht is also active in local organizations, holding positions as treasurer of a Republican executive committee and vice president of a homeowners association board. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and retirement services delivered through a nationwide network of independent advisors.

James Chipps is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 credential and previously worked at J.P. Morgan Securities for eleven years before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates advanced modeling tools without providing individual security recommendations as part of its standalone planning services.

Michael Naegele Jr. is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has prior experience at Bank of America. Outside of finance, he is also a rehabilitative therapist specializing in inpatient care and performs occupational therapy services under a Florida state license. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Adem Dorman is a financial advisor at Merrill with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill Lynch since 2009. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Connor Bowen is a financial advisor at Merrill with 11 years of industry experience. He has been with Merrill since 2014 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he owns Bowen Photography, a sole proprietorship focused on wedding, portrait, and event photography. 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 various institutional investors.

Charles Layton III is a financial advisor at Merrill with Series 63 and Series 65 credentials and 60 years of industry experience. He has been with Merrill since 1979 and has also worked at Bank of America, N.A. since 2011. He serves as a board member of Thornwell, a nonprofit providing programs to help families heal from trauma, abuse, and neglect. Merrill offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Samantha Perez is a financial advisor at Merrill with 12 years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2019, she worked for VOYA Financial and VOYA Financial Advisors from 2014 to 2019. 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 and profit-sharing plans, corporations, and charitable organizations.

Vincent Chan is a financial advisor with Fidelity, holding a Series 66 designation and 18 years of industry experience. He has been associated with various Fidelity entities since 2015, including Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and is noted for its registration as a commodity pool operator, advisory role to multiple funds, and use of AI-driven methodologies.

Freddie Claybrooks is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been affiliated with Merrill since 2003 and with Bank of America since 2011. 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.

Alexander Raynor is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work includes roles in education at the University of Kentucky and Georgia Southern University, as well as other positions outside the financial sector. 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 plans, corporations, and charitable organizations.

Joseph Storey is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith since 2001. Outside of his advisory role, Storey is engaged in scuba diving activities, including completing Dive Master and Scuba Instructor training, and operates related businesses that involve underwater photography, dive instruction, and organizing dive trips. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs a combination of model-based and discretionary investment strategies, integrating asset allocation approaches and offering tax-aware options for clients with higher sensitivity to taxes.

Christopher Dangelo is a financial advisor with Charles Schwab in Ponte Vedra, Florida, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Charles Schwab since 2003. Charles Schwab & Co., Inc. 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 a combination of non-discretionary and discretionary investment solutions, utilizing multi-asset model portfolios and a centralized operational structure.

Ryan Mayer is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at First Command Brokerage Services, Inc., and Davis Capital Management, as well as employment in the hospitality sector at Ted's Montana Grill and various country clubs. 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 investors.

Beth Williams is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill and Merrill Lynch Life Agency since 1991. 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.