Sarah Skibo is a financial advisor with Merrill in Orlando, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at Bank of America, PNC Bank, Fifth Third Securities, and Fifth Third Bank. 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 plans, corporations, and charitable organizations.

James Eiker is a Series 66-licensed financial advisor with LPL Financial, based in Orlando, FL, and has 11 years of industry experience. He has worked with FAIRWINDS Credit Union for over 20 years and joined LPL Financial in 2025. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a wide range of advisory programs, financial planning, and retirement consulting, supported by in-house and third-party research and advanced portfolio management technologies.

Kyle Brennan is a financial advisor with Mass Mutual Investors Services in Orlando, FL, holding the ChFC® designation and Series 63 license. He has 23 years of industry experience, including prior roles at Metlife Securities and Massachusetts Mutual Life Insurance Company. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations through a collaborative, goal-oriented process.

Gaury Rogers is a financial advisor at Morgan Stanley with 22 years of industry experience. He has held positions at Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney since 2010. Rogers holds Series 63 and Series 65 registrations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools.

Traci Avila is a Senior Financial Advisor at Merrill Lynch Wealth Management and a founding member of the Magee, Avila & Associates team since 1999. She began her career with Merrill Lynch in Florida in 1993 after earning a Bachelor's Degree in Finance from Illinois State University. With over three decades of experience, Traci specializes in areas such as college education planning, divorce transition planning, managing new wealth, personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. Traci holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is committed to building long-term client relationships by providing personalized advice and access to the broad resources available through Merrill and Bank of America. Her client-first approach, attention to detail, and dedication have established her as a trusted advisor. Residing in Longwood, Florida, Traci lives with her husband, Alex, and their daughter, Caroline. Their older daughter, Cate, is a collegiate softball player at the University of South Carolina Beaufort. Outside of her professional work, Traci remains active in the youth travel Fastpitch Softball community and volunteers for the softball team at Lake Brantley High School. She also enjoys baseball, football, genealogy, music, and spending time with her family.

Rueben Hill II is a financial advisor with LPL Enterprise holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning, consulting, and access to model portfolios and third-party asset management while integrating advisory programs with brokerage and insurance product offerings.

Kristen Skinner is a financial advisor at Ameriprise with 10 years of industry experience. She holds the CFP® and Series 66 designations. Her prior work includes roles at Wells Fargo Clearing Services LLC, Bank of America, N.A., and Merrill. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing research and modeling to deliver tailored, tax-efficient retirement recommendations.

Vincent Paolo is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America, N.A. Outside of his advisory role, he is the sole owner of a rental property 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 individuals, high-net-worth clients, and institutions.

Scott Krause is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in the financial services industry in 1993 with Merrill Lynch Wealth Management and its predecessor firm, Banc of America Investments. Prior to becoming a financial advisor, Scott worked as a Certified Public Accountant with firms such as Price Waterhouse, though he does not provide tax advice in his current role. Scott holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and completed the Wharton Executive Education Program for Senior Financial Advisors at the University of Pennsylvania. He graduated in 1980 from the University of Central Florida with degrees in Accounting and Finance. His expertise includes consulting and planning for business owners, corporate executives, and affluent families, with a focus on customized investment portfolio analysis, budgeting, cash flow analysis, and wealth transfer strategies. Outside of his professional work, Scott and his wife Lisa are active members of the Keenes Pointe Country Club in Windermere. He has two children, Ashley and Mike, and his personal interests include boating, fishing, football, golfing, skiing, and traveling. Scott is also involved in the community as a past board member of the local YMCA and holds memberships in professional organizations such as the Golden Bear Club and Smyrna Yacht Club.

Brittany Brewer is a financial advisor at LPL Financial with two years of industry experience. She holds a Series 66 credential and has worked primarily with Fairwinds Credit Union and CUSO Financial Services before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and a variety of investment strategies.

Jeremy Cooley is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and having nine years of industry experience. His prior roles include positions at Fairwinds Credit Union, CUSO Financial Services, Equitable Advisors, and Axa Advisors. Cooley is also involved with Fairwinds Wealth Management and Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various managed account options.

Aaron Kassler is a Series 66-licensed financial advisor with Morgan Stanley, based in Orlando, FL, and has 13 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill Lynch. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Daniel Womack is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones, Park Avenue Securities, Guardian Life Insurance Company, and Hillsborough County School Board. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Steven Bennett is a financial advisor with Equitable Advisors in Orlando, FL, holding a Series 66 designation and five years of industry experience. Prior to joining Equitable Advisors in 2026, he worked at AdventHealth Corporate for six years and has been associated with Wealthcare Strategies, LLC since 2007. Equitable Advisors serves a wide range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Samuel Heise is a financial advisor at Merrill with Series 63 and Series 65 licenses. He is based in Orlando, FL, and has one year of industry experience. His prior work includes roles at Bank of America, Florida Financial Advisors, and positions in the education and fitness sectors. 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 plans, corporations, and charitable organizations.

Kenneth Bates is a financial advisor with Primerica Advisors based in Orlando, FL. He holds Series 63 and Series 65 credentials and has five years of industry experience. His work history includes roles at AmOne, GravyWork, BANKERS LIFE, and Wells Fargo. Primerica Advisors serves primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm provides a wrap-fee asset management program that uses model-delivery strategies managed by unaffiliated asset managers and offers various strategic, tactical, tax-managed, and income-distribution investment models.

Caleb Chapman is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 14 years of industry experience. He has been with JPMorgan Securities LLC since 2015 and previously operated Chapman & Associates Therapy Solutions from 2004 to 2020. 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 affiliated brokerage and investment management capabilities.

Tanner Anderson is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Before joining Fidelity, he worked at Charles Schwab & Co., Inc. and held positions in the solar energy and technology sectors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, employing a research-driven and algorithmic approach to portfolio construction and management.

Joshua Howell is a financial advisor with LPL Financial in Orlando, FL, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Fairwinds Credit Union, CUSO Financial Services, LP, Equitable Life Insurance Company, and CA Ventures. He is also associated with the University of Florida. Joshua is involved in Fairwinds Wealth Management and Investments as a related business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research, employing both discretionary and non-discretionary management strategies.

Sandra Ramos is a financial advisor at J.P. Morgan Securities with 25 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Oriental Financial Services Corp for eight years before joining J.P. Morgan in 2019. Outside of her advisory role, she is an independent consultant for Rodan & Fields. 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 a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.