Shaun Files is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Prior to joining Merrill and Bank of America in 2019, he worked at Verizon Wireless for five years. Outside of his advisory role, he sells secondhand items on eBay. 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 tailored to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Zarko Ivanov is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities since 2020, following six years at Valic Financial and Valic Financial Advisors. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering advisory services on a non-discretionary basis.

Roney Dos Santos Ramos is a Series 66-licensed financial advisor at Thrivent Investment Management with five years of industry experience. He has worked at Thrivent and its affiliates since 2020 and previously held positions at ABS Global Inc and Ourofino Saude Animal. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written recommendations on a broad range of financial planning topics without discretionary trading authority. The firm’s approach integrates holistic, goal-based analyses and allows clients to combine planning with managed accounts under a consolidated billing option called WealthPlan.

Michele Dubois is a Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management, serving clients in Gainesville, Florida. She has been providing wealth management guidance and services since 1994. Michele holds a Bachelor of Science degree in Finance from the University of Florida and professional designations including Chartered Retirement Planning Counselor (CRPC), Accredited Estate Planner (AEP), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Michele specializes in family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and tax minimization. She utilizes multiple disciplined financial strategies tailored to meet the unique goals of her clients. She is qualified as a Senior Portfolio Advisor and manages custom investment strategies on a discretionary basis, selecting from a wide range of Merrill model portfolios and third-party investment strategies. In addition to her professional work, Michele is involved with civic and charitable organizations including the Alachua Conservation Trust and Girls Place, Inc. She balances her professional commitments with personal interests such as boating, cooking, football, gardening, hiking, interior decorating, music, spending time with family, traveling, and yoga.

Jonathan Graber is a financial advisor at Edward Jones in Gainesville, FL, holding a Series 66 designation with five years at the firm and a prior nine-year tenure at the Texas A&M Transportation Institute. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by approximately $1.01 trillion in assets under management and a large nationwide network of advisors and branch offices.

Jeffrey Hogue is a CFP® professional with 27 years of industry experience, currently advising clients at UBS Financial Services since 2015. He is based in Gainesville, FL, and holds Series 63 and Series 65 licenses. Outside of his advisory role, Mr. Hogue serves on advisory committees for the Community Foundation of North Central Florida and Anthem Community Church, providing guidance on budgeting and community outreach. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of products and services including discretionary portfolio management and alternative investments.

Michael Relyea is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of Relyea, Barcelona, Sperrazza & Associates. He has worked in the financial services industry since 1997, gaining experience in various positions across three different firms. This diverse background contributes to his approach to providing financial advice. Michael is part of a team that includes partners Mylene Barcelona and Charles Sperrazza, along with assistants Chelsea Pagoaga and Teresa Proulx. The team combines different skill sets to deliver comprehensive resources and perspectives to clients, enhancing the likelihood of achieving their financial goals. He holds the professional designations Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), and Personal Investment Advisor (PIA). Michael earned a Bachelor's Degree from the University of Richmond and completed an Accredited Certificate Program at the American College.

Neil Palka is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their individual goals and changing market conditions. Neil offers expertise in a variety of areas including divorce transition planning, employee benefits planning, executive compensation, retirement income, and services for endowments, foundations, and non-profits. His approach involves identifying clients' priorities, setting and tracking progress towards goals, and adjusting plans as needed throughout different phases of wealth creation, preservation, and transfer. Neil holds a high school diploma from Cocoa Beach High School and a bachelor's degree from the University of Florida. He has earned several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is actively involved in professional and community organizations such as the Gator Family Giving Council, mentors first generation college students, and provides financial literacy training to University of Florida student athletes. Outside of his professional responsibilities, Neil enjoys boating, fishing, running, swimming, traveling, volleyball, and spending time with his family.

Regina Onkst is a CFP® professional with 41 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Her prior experience includes roles at Ameriprise Financial Services Inc and UBS Financial Services Inc. Outside of her advisory work, she is involved in real estate ownership in Alachua, Florida. Ameriprise provides retirement-income planning services primarily for clients with at least $1 million in net investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Richard Fabiani is a financial advisor with LPL Financial based in Gainesville, FL. He holds a Series 63 designation and has 34 years of industry experience, including 32 years at Lincoln Financial Advisors Corporation prior to joining LPL Financial in 2022. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, provides both discretionary and non-discretionary management, and utilizes research and model portfolios from multiple sources to support diversified investment strategies.

Matthew Gold is a financial advisor with Cetera, holding a Series 66 credential and 12 years of industry experience. His work history includes roles at Summit Financial Group and Regions Bank. Outside of his advisory role, he serves as treasurer for a Florida political committee and participates in arts and crafts through a family business. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, retirement plan, charitable, and institutional clients with a multi-manager platform offering various portfolio management and financial planning services.

Steven Summers is a financial advisor with Stifel in Gainesville, FL, holding a Series 66 designation and 23 years of industry experience. He has been with Stifel since 2009. Summers is also a commissioned notary public. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Jacob Kozmic is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 28 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Kozmic is also the founder and CEO of Kozmic1 Global Wealth Management LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, utilizing a range of investment strategies and platform options tailored to client objectives.

Douglas Bulger is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has been with Raymond James & Associates since 2010 and concurrently serves with affiliated Raymond James entities since 2018. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, pension plans, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services, utilizing various portfolio management styles and affiliated research resources.

Lane Abraben is a financial advisor with Charles Schwab in Gainesville, FL, holding a Series 66 designation and eight years of industry experience. His prior work includes two separate periods at First Magnitude Brewing Co. from 2015 to 2019. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Toika Lankenau is a financial advisor at Merrill with 29 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Merrill since 2006. 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 plans, corporations, and charitable organizations.

Parag Adhyaru is a financial advisor with Merrill in Gainesville, FL, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has worked at Merrill since 2016 and at Bank of America, N.A. since 2019. Outside of his advisory role, he and his wife operate a sole proprietorship that rents their primary residence as a temporary filming location. 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 individual and institutional clients.

Rebecca Weseman is a financial advisor at Edward Jones in Gainesville, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked for nine years at HCA Florida North Florida Hospital. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a network of more than 23,000 financial advisors and 15,000 branch offices nationwide.

Julia Gibson is a Series 66 licensed financial advisor with Charles Schwab in Gainesville, FL, where she has worked since 2023. She has two years of industry experience and previously worked at Thermo Fisher Scientific and the University of Florida. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios and due diligence on alternative investments through its centralized, integrated platform.

Charles Baker is a Wealth Management Advisor with Merrill Lynch Wealth Management and a member of the Baker duBois Group in Gainesville, Florida. He has been with Merrill Lynch since 1996, bringing extensive experience in advising clients on family wealth management, legacy planning, philanthropic planning, retirement income, and socially responsible investing. Charles is a qualified Portfolio Manager, capable of creating and managing personalized investment strategies that may include individual stocks, bonds, Merrill model portfolios, and third-party strategies, some of which may be managed on a discretionary basis through the firm's Investment Advisory Program. Before entering the financial advisory field, Charles served nine years as a Supply Officer in the U.S. Navy with tours aboard a ship, a submarine, and with a Navy SEAL team. He holds a Bachelor of Science degree in Naval Architecture from the U.S. Naval Academy and earned a Master of Business Administration from Old Dominion University while serving as a Naval Officer. Since 2001, he has been a CERTIFIED FINANCIAL PLANNER® certificant, a professional designation awarded by the Certified Financial Planner Board of Standards, Inc., and also holds the Personal Investment Advisor (PIA) designation. Charles is committed to helping clients realize their financial objectives by understanding their priorities and providing disciplined guidance. He also shares his knowledge through client education events and private groups. Outside of his professional work, Charles has diverse interests including billiards, chess, drawing, hiking, music, reading, singing, swimming, table tennis, and woodworking.