David Rea is a CFP® professional with 12 years of experience in the financial services industry. He is currently affiliated with Cetera and Regions Bank. His prior roles include positions at Wells Fargo Clearing, Bank of America, and Merrill. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing a multi-manager platform that includes affiliated and third-party model portfolios as well as bespoke strategies.

Vannyda El Ani is a financial advisor with Fidelity in Jacksonville, FL, holding Series 66 and Series 63 licenses and bringing 11 years of industry experience. She has been with Fidelity Brokerage Services LLC since 2015 and concurrently with Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including IR S-qualified Charitable Gift Funds and registered investment companies. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios composed of mutual funds, ETFs, and ETPs through systematic methodologies and long-term asset allocation benchmarks.

Megan Hitt is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Her prior experience includes multiple roles at Daytona State College and a seven-year tenure at AdventHealth Daytona Beach. She works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios and serves in advisory roles for various registered investment companies and fund-of-funds.

Albert Lupcho III is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Merrill 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.

Terry Schurman is a Wealth Management Advisor and Merrill First Vice President based in the Ponte Vedra Beach, Florida office of Merrill Lynch Wealth Management. He specializes in assisting individuals and families with organizing and managing their wealth through a consistent and customized approach. His services include a wide range of investment and planning solutions focused on retirement planning and estate matters. Terry’s client focus areas encompass college education planning, executive compensation, family wealth management strategies, legacy planning, portfolio management services, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation as well as the Personal Investment Advisor (PIA) credential. He earned a Bachelor's Degree from Ohio State and is involved with the community as a member of Celebration Church. Outside of his professional work, Terry enjoys adventure sports, biking, cooking, football, and music. He supports his clients with a personalized financial strategy tailored to their long-term goals and integrates banking solutions through Merrill Lynch’s partnership with Bank of America.

George Mays III is a CFP®-designated financial advisor with Raymond James & Associates, bringing 19 years of industry experience. He previously worked at Bank of America, N.A. and Merrill, serving a combined 16 years at Merrill and 12 years at Bank of America. Outside of his advisory role, he is the owner and landlord of a rental property in Ponte Vedra Beach, FL. Raymond James & Associates is a 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 municipal entities, offering financial planning and consulting services with a predominantly non-discretionary approach, supported by a wide range of portfolio management styles and affiliated research.

Sutton Fisher is a financial advisor with J.P. Morgan Securities in Ponte Vedra Beach, FL, holding Series 63 and Series 65 credentials and six years of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A. and various positions outside the financial sector. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, futures commission merchant, and commodity pool operator registrations.

Gary Whittaker is a financial advisor with LPL Financial in Jacksonville, FL, holding Series 63 and Series 65 credentials and offering 40 years of industry experience. He previously spent 10 years with Ameriprise Financial Services, Inc. Outside of his advisory role, he operates Eagle Legacy Wealth, an entity associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Kristine Walker is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 66 and Series 63 credentials. Her prior work includes roles at Fidelity Brokerage Services LLC, Fidelity Investments, and VyStar Credit Union. 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 applying an ESG eligibility framework in its investment recommendations.

Jennifer Engelstad is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2018 and previously worked at Kelly Educational Services. Outside of advising, she is a co-owner of several rental properties in Jacksonville Beach. 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.

James Stone is a Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been with Fidelity Investments since 2007, serving in various roles including Portfolio Specialist, Client Management Representative, High Net Worth Service, and Financial Services Representative. His extensive experience within Fidelity has provided him with a comprehensive understanding of financial planning and client service. James holds insurance licenses in Arkansas and California. He is committed to getting to know his clients personally to develop unique financial plans tailored to their individual goals and family needs. Outside of his professional work, James is interested in fitness, golf, and volunteering.

Melissa Dellarocco is a financial advisor at Wells Fargo Advisors in Jacksonville, FL, holding a Series 66 designation with 26 years of industry experience. She has worked within various Wells Fargo entities since 2009. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients who meet a net-worth threshold, including specialized services such as business-owner transition and special-needs analysis.

Stela Fiku is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 13 years of industry experience. She previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank from 2016 to 2019 and spent nine years at Florida State College at Jacksonville. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dartling Minoso is a financial advisor at Merrill with Series 63 and Series 66 designations and three years of industry experience. Prior to joining Merrill, Minoso worked at DXC, NYLIFE Securities LLC, and New York Life. 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.

Alan Zinkin is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Sequoia Financial Group, Tudor Securities, EisnerAmper LLP, and BNY Mellon Wealth Management. Outside of advisory work, he performs financial institution duties at VyStar Credit Union and acts as a fiduciary for his father. LPL Financial is a national investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and corporations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and various technological tools.

Kimberly Cooke is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and with 18 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she is the owner of Cooke Junior Golf LLC, an organization focused on youth golf development, and serves on several committees at Mandarin United Methodist Church. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Neelesh Jaiswal is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. He has been associated with Bank of America and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2014. Outside of his advisory role, he is the owner of a recreational cricket team, Rising Stars, based in Jacksonville, Florida. Merrill, together 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 with model-based and discretionary investment strategies.

Benjamin Whitacre is a financial advisor with LPL Financial, holding the ChFC® and Series 66 designations, and has 21 years of industry experience. Prior to joining LPL Financial in 2019, he held various roles at Northwestern Mutual from 2006 to 2019. Whitacre is also a licensed mortgage loan officer involved with Wynn Point Mortgage LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, leveraging model portfolios, third-party subadvisors, and advanced technologies across discretionary and non-discretionary management strategies.

Berkeley Sadigurski is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, N.A., he held roles in various small businesses, including ownership or self-employment at entities such as Unload My Home LLC, 3 Shacks Capital Partners LLC, Sunshine Signings LLC, Bird Beak, and Prohibition Pig. 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 broad range of individual and institutional investors.

Zachary Wolfe is a financial advisor at Fidelity with three years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Fidelity, he worked in various roles including at Excite Communications and Uber Eats. Outside of his advisory work, Zachary sells used items on eBay. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.