Michael Kelley is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Raymond James since 2016. Outside of his advisory work, he serves as Treasurer on the Board of Governors at Timuquana Country Club and is a board member of The Episcopal School of Jacksonville Foundation, where he oversees the Foundation’s Endowment. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and investment consulting with a broad range of portfolio management styles and affiliated research.

Denise Getsy is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 1999. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Beehner is a financial advisor at LPL Financial in Jacksonville, FL, with 14 years of industry experience. He holds the Series 66 designation and has worked concurrently at Vystar Credit Union and LPL Financial since 2015. Outside of his advisory role, he is involved with Fall Line Farms in Adrian, GA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and third-party research, alongside various institutional and participant advice services.

Zachary Pero is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 12 years of industry experience. He has held positions at Merrill and Bank of America as well as SoFi Securities and SoFi Wealth. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Charles Kalb is a financial advisor at Ameriprise with 29 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Kalb serves on the Board of Governors for the San Jose Country Club in Jacksonville, FL. Ameriprise offers a retirement-income planning service tailored for individuals nearing or in retirement with substantial investable assets. The firm delivers centrally prepared, non-discretionary recommendations combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Geoffrey Moore is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 4 years of industry experience. He has been with Wells Fargo Clearing since 2013. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Kleinik is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with Primerica Advisors since 2007 and Primerica Financial Services since 2006. Outside of advisory work, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-based investment strategies with discretionary management provided by third parties and supports trade execution and custody through Pershing, managing approximately $15.5 billion in assets.

Timothy Bouslog is a financial advisor with J.P. Morgan Securities, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has been with J.P. Morgan Securities since 2012 and previously worked at Taynessa Inc for seven years. 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 through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Eric Grodan is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in estate and wealth planning strategies, focusing on pre-liquidity tax minimization for business owners preparing to exit their companies. Eric advises high net worth families, business owners, and real estate developers on legacy planning, philanthropic planning, family wealth management, and managing new wealth. Eric holds a Bachelor's degree from Michigan State University, a Juris Doctorate from Southwestern University School of Law, and a Master's degree in the Laws of Taxation from Loyola Law School. He also holds the Personal Investment Advisor (PIA) designation and maintains Series 7 and 66 FINRA registrations. Although he has an extensive background as a transactional attorney, Eric does not provide tax or legal advice in his role with Merrill. In addition to his professional responsibilities, Eric has served as past president of the Los Angeles Estate Planning Counsel and as a board member of the Starlight Children’s Foundation. His personal interests include scuba diving, tennis, and traveling.

Kathryn Brinkman is a financial advisor at Morgan Stanley with 15 years of industry experience. Her prior roles include positions at Bank of America, Merrill, and Fidelity Brokerage Services. Outside of her advisory work, she is involved in a recreational business called Centred On Yoga. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 utilizes structured planning tools supported by its Global Investment Committee’s research.

Suzanne Rech is a financial advisor with LPL Financial in Jacksonville, FL, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2017, she worked at Securities Service Network from 2015 to 2017. Outside of her advisory role, she is involved with My Light Experience LLC, a tourism-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management along with research and model portfolios.

Danielle Littlefield is a financial advisor with Raymond James Financial in Jacksonville, FL, holding Series 63 and Series 66 licenses and 11 years of industry experience. Her prior roles include positions at LPL Financial LLC, VyStar Credit Union, and Pickler Wealth Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm delivers non-discretionary planning tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

Janet Clements is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 designations and 38 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as Finance Council Chair at Christ the King Catholic School. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

David Baker is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 designations and having 38 years of industry experience. He has been with Merrill since 1988 and has worked at Bank of America since 2009. Outside of his advisory role, he serves as an advisory board member for the Catholic Foundation, a charitable organization in Jacksonville. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Tabor is a CFP® professional with 14 years of industry experience, currently serving with LPL Financial in Jacksonville, FL. He has worked at LPL Financial and VyStar Credit Union since 2016. Tabor is chairman and supervisor on the board of The Crossings at Fleming Island Community Development District, a municipal government entity managing community common areas and amenities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from internal and third-party sources.

Andrea Cruz is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Wells Fargo. Outside of her advisory role, Cruz is involved in several non-investment activities including sales positions with Mary Kay and Bag Master, and roles as a secret shopper and nanny. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Joseph Ossi is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Ossi also holds a real estate license in Florida and serves as power of attorney for a family member. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Joseph Budd is a financial advisor with OSAIC in St. Johns, FL, holding Series 63 and Series 66 credentials and over 33 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Budd is involved in several insurance-related businesses specializing in life, health, annuity products, and premium financing. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios suited to clients' risk tolerance and preferences.

Erik Wehner is a CFP® professional with six years of industry experience, currently serving as an advisor at Osaic since 2025. Prior to joining Osaic, he worked for Lincoln Financial Advisors from 2020 to 2025 and has been a co-owner and tax preparer at ESP Financial Services since 2015. Outside of advisory work, he is involved in tax preparation services and holds a role as an insurance agent offering various insurance products, as well as serving as a notary public. Osaic Wealth, Inc. serves a diverse range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing various asset allocation tools and portfolio management strategies.

Daniel Johnson is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning across a wide range of topics, with the option to combine planning with managed-account services under a consolidated billing program called WealthPlan.