Nicholas De Luna is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on assisting clients with family wealth management strategies, portfolio management services, tax minimization, retirement income planning, and supporting women and wealth initiatives. Nicholas employs a comprehensive approach that emphasizes understanding each client’s individual goals to develop tailored financial strategies. He holds the Personal Investment Advisor (PIA) designation and maintains Series 7 and 66 FINRA registrations. Nicholas earned his High School Diploma from Patrick Henry and is proficient in both Spanish and English. Outside of work, he enjoys bowling, cooking, gardening, golfing, interior decorating, swimming, table tennis, traveling, watching movies, and spending time with his family.

David Bower is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and related affiliates since 2018, and previously spent 25 years at SunTrust Investment Services. In addition to his advisory role, he is an associate at Pinnacle Asset Management, where he provides financial advice and direction. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional entities. The firm provides tailored, non-discretionary advice using analytical tools and supports municipal and public-finance work through its unique affiliation with a municipal advisor.

Randy Barnum is a financial advisor with Primerica Advisors in Murfreesboro, TN, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked with Primerica Advisors since 2018 and owns Barnum Enterprises, a separate business unrelated to investments. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies and discretionary management supported by third-party custodians and overlay managers.