Michael De Bellis is a ChFC® credentialed financial advisor with 26 years of industry experience. He has been with Edward Jones since 2019 and previously worked at Madison Avenue Securities, Anders & Anders Financial Group, and TIAA-CREF. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a substantial national presence with over 23,000 financial advisors.

Michael Young is a financial advisor with LPL Financial and holds the Series 66 designation. He has 13 years of industry experience, including prior roles at Fidelity Brokerage Services, CUSO Financial Services, and Community First Credit Union of Florida. He is also involved with Community First Investment Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and a variety of portfolio management options.

Casey Carlson is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at both Merrill and Bank of America, N.A. since 2015 and 2017, respectively. 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 institutional accounts, combining internal and third-party management approaches.

Christopher Bach is a Series 66 certified financial advisor with eight years of industry experience, currently affiliated with Merrill in Jacksonville, FL. His work history includes roles at Bank of America and Merrill, as well as positions at AAA Parking/The Four Seasons and the University of Central Florida. 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 investment strategies for individuals, high-net-worth clients, and institutional investors, utilizing both internal and third-party management teams.

Matthew Jacob Sr. is a CFP® professional with 41 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2016. He has also managed Jacob & Jacob Asset Management since 1993. Jacob serves as executive director for the Liverpool Independent Foundation for Excellence and the Greater Syracuse Sports Hall of Fame, as well as a managing partner at CNY Center for Wealth Management, Financial Planning and Tax Strategies. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes ongoing, collaborative financial planning engagements and offers a range of programs including wrap and money-manager services.

Bradley Caldwell is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and 10 years of industry experience. Prior to joining Merrill in 2019, he worked for Bridgeline Transportation from 2015 to 2019. Outside of his advisory role, Caldwell works as a transcription freelancer for Daily Transcription. 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.

Halley Mc Kenzie is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she is a wellness advocate for doTERRA International, LLC, where she conducts classes and product sampling, and she occasionally assists with estate sales at a local jewelry business. 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 range of clients including individuals, high-net-worth clients, and institutions.

Zachary Steinberg is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. He has been with Bank of America and Merrill since 2015. 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.

Christopher Lucero is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and six years of industry experience. He has been with Merrill since 2013, including through its affiliation with Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, integrating internal and third-party management teams.

Nirmal Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2023, and previously worked at Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to develop customized recommendations.

Jessica Kates is a financial advisor at Merrill with a Series 66 designation and 16 years of experience, all with Merrill in Jacksonville, FL. She has worked at the firm since 2010. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Raven Lowther is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Lowther worked at Clean Energy Resolutions LLC and held various positions in the food service industry. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies managed by internal CIO teams and third-party style managers for individuals, high-net-worth clients, and institutions.

James Spilman is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in Jacksonville, Florida. He has been with Merrill Lynch since 1985 and brings over 30 years of investment experience to his role. James offers clients customized wealth management advice and personalized service in areas such as retirement planning, tax minimization strategies, portfolio construction, college education planning, liquidity management, and both individual and corporate investment strategies. James holds a Bachelor's Degree in Accounting from the University of Tennessee at Martin and is a Personal Investment Advisor (PIA). His approach is grounded in understanding each client's objectives and maintaining open communication to help meet their financial goals. As he approaches his 40th anniversary with Merrill in 2025, James continues to assist clients in achieving their financial goals and objectives. Outside of his professional work, James participates in community service through volunteering with local organizations. His personal interests include baseball, basketball, biking, football, golfing, tennis, and spending time with his family.

Chad Dixon is a financial advisor with J.P. Morgan Securities in Saint Augustine, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Merrill, Regions Bank/Cetera, and GLP Investment Services/Asset Allocation Strategies. 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Christopher Bouton is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 21 years of industry experience. He has worked at Merrill since 2005. 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.

Kim Sage is a financial advisor at Morgan Stanley with 27 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining Morgan Stanley Smith Barney LLC in 2025. Kim holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and asset management, supported by firm-approved planning tools and research.

Kimani Ridley is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. With over eight years of industry experience, Kimani focuses on delivering personalized financial guidance that combines investments, insurance, lending, and banking solutions tailored to client needs. Kimani's expertise extends to small business strategies, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. Leveraging experience from both Bank of America and Merrill Lynch, Kimani aims to simplify complex financial matters to empower clients to make informed decisions. Kimani holds a Bachelor's Degree from the College of the Holy Cross and is a Personal Investment Advisor (PIA). Outside of work, Kimani enjoys basketball, football, golfing, scuba diving, spending time with family, and traveling.

Amber Bennett is a financial advisor at Raymond James Financial with 18 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Truist Advisory Services and Bb&T Securities. In addition to her advisory role, she supports financial advisors as a registered sales assistant at Pinnacle Asset Management and The Horizon Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored non-discretionary planning and employs analytical tools to guide client decisions, while supporting a broad advisor network and integrating municipal advisory services.

Steven Corrao is a financial advisor with Morgan Stanley in Ponte Vedra Beach, FL, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Bank of America, Merrill, Citigroup, and Fidelity Investments, as well as prior experience with JWB Real Estate Companies and DAT Bootcamp. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Elizabeth Fredeking is a financial advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2015 and is focused on building deep client relationships through personalized wealth management strategies. Her work includes helping clients create strategies aligned with their financial goals by understanding what matters most to them. Elizabeth provides professional advice in areas such as tax and estate needs, wealth preservation, retirement planning, and portfolio management. Her client focus areas include college education planning, corporate benefits, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. She holds the FINRA Series 7 and Series 66 registrations, as well as the Personal Investment Advisor (PIA) designation, and is registered in multiple states. She earned a bachelor's degree from the University of Cincinnati. Elizabeth also participates in community volunteering activities. Her personal interests include cooking, gardening, golfing, running, skiing, swimming, tennis, traveling, and yoga.