Robert Rafacz is a financial advisor at LPL Enterprise with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC for over three decades. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides advisory and brokerage services, utilizing an integrated platform that combines financial planning, model portfolios, third-party asset management, and insurance products.

Peyton Sayer is a financial advisor at Fidelity with five years of industry experience and holds a Series 66 designation. Their work history includes multiple roles at Fidelity Investments and previous positions at the University of Georgia, Ben Epps Airport, Publix Supermarkets, and the University of North Georgia. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is notable for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and its use of algorithmic methods and AI in research.

Erin Mccarthy is a financial advisor with Ameriprise in Jacksonville, FL, holding Series 63 and Series 65 designations and nine years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on income stability and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data in its recommendations and maintains distinctive enrollment criteria based on investable assets.

Luke Nietz is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 licenses and with 10 years of industry experience. His work history includes roles at Raymond James and Associates, 3 Points Preservation, Carrington Holding Company, and TIAA-CREF prior to joining Fidelity. 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. The firm is noted for its advisory role to registered investment companies, use of algorithmic and AI-driven research methods, and management of model portfolios for Fidelity Institutional Wealth Adviser.

Ellen Middleton is a financial advisor at Raymond James Financial with 40 years of industry experience. She has worked at Raymond James Financial Services, Inc. since 1996 and operated her own firm, Ellen O. Middleton & Associates, from 2010 to 2025. Outside of her advisory work, she is an associate at Beachside Wealth Partners, where she meets with clients to develop personalized financial plans. 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, institutions, and charitable organizations. The firm uses analytical tools for tailored, non-discretionary planning and offers specialized programs such as municipal and SIMPLE IRA advisory services.

Alex Zellers is a financial advisor at Merrill with a Series 66 designation and two years of experience in the industry. Prior to joining Merrill, he worked at Carmax and held positions at the University of North Florida and Publix. 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Clemens is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill. Clemens is based in Jacksonville, FL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Antonio Conticelli is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 27 years of experience in the financial services industry and joined Merrill Lynch Wealth Management in 2012. Antonio works with high-net-worth individuals and families to understand their priorities and provide personalized attention and disciplined, customized strategies. He helps clients identify their primary financial goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies, and estate planning services. His approach encompasses a range of investment options such as equities, fixed income, alternative investments, options, and ETFs. Additionally, he offers clients access to banking, credit, and lending services through Bank of America, N.A. Antonio holds a Bachelor's degree from Mount Saint Mary's University and the Merrill designation of Personal Investment Advisor (PIA). He is a past member of the Mount Saint Mary's University President's Council. He speaks both English and Italian. Antonio and his wife Barbara reside on Amelia Island, FL. They have been married for over 46 years and have two children and two grandchildren. Antonio is actively involved in his community as a lector and a member of the Finance Council at St. Michael Catholic Church in Fernandina Beach, FL. Clients have entrusted Antonio and his team with over $425 million in client balances as of January 1, 2025. Through his work, he aims to craft financial strategies designed to help clients pursue their long-term goals, while managing and preserving wealth for current and future generations.

Frank Houston is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Bank of America, N.A. for nine years. Outside of advising, he is involved in real estate through Southern Impression Homes, where he licenses the construction arm as the General Contractor of record. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supported by comprehensive research and model options.

Marcella Coppola is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 65 and Series 63 registrations and eight years of industry experience. Her work history includes roles at Wells Fargo Bank, TD Bank, JP Morgan Chase, and Englewood Savings and Trust. Outside of finance, she works part-time as a cashier in a grocery business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Brad Rude is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously held multiple roles at Morgan Stanley and Morgan Stanley Private Bank from 2012 to 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Sean Furlong is a Series 66-licensed financial advisor with Merrill, based in Jacksonville, FL, and has 11 years of industry experience. He has been with Merrill and Bank of America 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Roma is a Financial Consultant at Fidelity Investments. He partners with individuals and families to develop financial plans aimed at enhancing their financial well-being. In his role at Fidelity, Daniel focuses on understanding clients' priorities to build customized strategies aligned with their goals and needs, and he monitors these plans to implement adjustments as necessary. Daniel's experience at Fidelity Investments spans several roles, including Planning Consultant from 2022 to 2025 and Workplace Planning Consultant from 2021 to 2022, before assuming his current position. He holds insurance licenses in Arkansas and California.

Anthony Lutkus is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Deutsche Bank Securities Inc and Bank of America, N.A. prior to his current role. 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, and various institutional investors.

Ingrid Gonzalez is a Series 66–licensed financial advisor at Merrill with 11 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she co-owns a family rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Byron Harris is a financial advisor at Fidelity with Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Fidelity Investments and prior positions at Shipt Inc., Aflac, and Target. He also worked at Windsor Parke Golf Club and has teaching experience from the University of North Florida and Lafayette High School. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Scott Perry is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in 1997 and joined Merrill Lynch in 1999. Scott focuses on providing financial guidance through education, honesty, and transparency to individuals pursuing their financial and retirement goals. His expertise includes managing investment accounts, estate planning services, life insurance, annuities, and addressing longevity concerns. He works with clients in areas such as college education planning, employee financial health, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Scott holds a Bachelor's Degree from the University of Florida and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Born and raised in Key West, Florida, he participates in community volunteering and is involved with organizations like the Swim Like A Pro Triathlon Team, USA Triathlon, and Velobrew Racing. His personal interests include biking, fishing, scuba diving, spending time with family, swimming, table tennis, and volleyball.

Michael Hayward is a CFP® and ChFC® with 18 years of industry experience. He is currently with Morgan Stanley in Jacksonville, FL, having previously worked at JP Morgan Securities LLC. Outside of his financial advisory role, he is also a photographer based in Saint Augustine, Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing a structured planning process supported by firm-approved tools.

Rance Winn is a financial advisor at Fidelity with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has been associated with various Fidelity entities since 2006. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and deliver model strategies.

Manuel Dortch is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2006 and 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.