Christopher Fromm is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and possessing 25 years of industry experience. He worked at Lincoln Financial Advisors Corp. for 24 years prior to joining OSAIC in 2025. He is also licensed as an insurance agent offering disability insurance, fixed and indexed annuities, long-term care insurance, premium financing, and traditional life insurance. OSAIC serves a diverse client base 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 plan consulting, and access to third-party money managers, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct customized portfolios.

Frederick Fedorowich Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He previously worked at Lincoln Financial Advisors for 15 years and at Osaic FA, Inc. for 20 years. Outside of advising, he is licensed to offer various types of insurance including disability, fixed and indexed annuities, long-term care, and traditional life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by asset-allocation tools, automated rebalancing, and access to third-party money managers and wrap programs.

Stephen Young is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Merrill since 1980 and Bank of America since 2010. Outside of his advisory role, he is involved in a family business focused on the purchase and sale of residential real estate lots in Saint Augustine, Florida. 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, and institutional investors, combining internal Chief Investment Office models with third-party managers.

Michael Hurley is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, Hurley serves as a part-time office official for the Jacksonville Icemen, a minor league ice hockey team. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Valentine is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2006. The firm provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal and third-party managers for a diverse range of clients including individuals, high-net-worth clients, and institutional investors.

Jeremy Shaheen is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and Bank of America. His background also includes roles outside of finance, such as involvement with ShiftGIG (BookedOut.com) and experience at the University of North Florida. 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.

Connor Marsh is a financial advisor with OSAIC in Jacksonville, FL, holding a Series 66 designation and nine years of industry experience. He has worked at OSAIC since 2024 and previously spent seven years at Triad Advisors. Marsh is also involved with Excalibur Financial Services, where he coordinates life insurance products and assists clients with financial planning related to insurance coverage. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk tolerance assessments, and third-party money managers.

Dustin Moore is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has worked at Merrill since 2010 and has been associated with Bank of America, N.A. since 2014. Outside of his advisory role, he acts as a power of attorney for an entity in Middleburg, 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 a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Reyes is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, with one year of industry experience. Prior to joining Merrill, he worked in education and community organizations, including positions at Duval County Public Schools and Year Up Jax. Outside of finance, he manages a local restaurant, Riviera Maya Mexican Cuisine. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joseph Ellis is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2016. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Cordero is a financial advisor with Primerica Advisors in Jacksonville, FL, holding a Series 65 license and 17 years of industry experience. His career includes roles at Pfs Investments Inc. and Primerica Financial Services since 2008 and 2009, respectively, alongside involvement in the education sector with Putnam and Flagler County Schools. Outside of financial advising, he owns a business unrelated to investments that involves home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties, focusing primarily on individual investors rather than institutional clients.

Jason Rosado is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he worked in various roles including at Hurricanes Grill and Wings and C&S Distributions. 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 plans, corporations, and charitable organizations.

Brian Croghan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and has ten years of industry experience. He has been with Merrill since 2016. 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 individuals, high-net-worth clients, and various institutional clients.

William Rica is a financial advisor with J.P. Morgan Securities in Jacksonville, FL, holding Series 63 and Series 65 credentials and three years of industry experience. He previously worked at Morgan Stanley and other firms in the financial sector. J.P. Morgan Securities 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 inform its recommendations.

Craig Gibian is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill since 2016 and previously worked at Bank of America, N.A. from 2023 to the present. 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, supported by internal CIO teams and third-party managers.

Michael Sousou is a financial advisor with Mass Mutual Investors Services, holding a Series 63 credential and over 41 years of industry experience. He previously worked at Metlife Securities Inc. for 31 years before joining Mass Mutual in 2016. Outside of his advisory role, Sousou serves as a board member for the Riverplace Office Park Owners Association and is a licensed realtor assisting clients with property transactions. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, typically recommending investment strategies without discretionary authority.

Catherine Mendez is a financial advisor at Merrill with 11 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2015, based in Jacksonville, FL. 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 strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Leddy is a financial advisor at Merrill with 28 years of industry experience. He holds the Series 66 designation and has been with Merrill since 1987. Outside of his advisory role, he serves as an Advisory Board Member for the Securities Industry & Financial Markets Association, a nonprofit organization representing banks, broker-dealers, and asset managers. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Gumula is a financial advisor at Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses with eight years of industry experience. His prior roles include positions at Bank of America and Black Sheep. 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 various institutional investors.

Ethan Plotkin is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, the University of Florida, The Dalton Agency, State Farm, Downtown Vision, Tom Coughlin's Jay Fund, and Fresh Market. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.