Javier Moredo Cepero is a financial advisor with Charles Schwab in Jacksonville, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2020 and previously held roles at Fidelity Brokerage Services LLC, Crowley Maritime Inc, and St. Luke's, St. Vincent's Health. Outside of his financial career, he serves in the United States Navy Reserves as a Hospital Corpsman 3rd Class. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients 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, utilizing multi-asset model portfolios and a centralized structure to support a large client base.

Ryan Harney is a Financial Consultant at Fidelity Investments. He has held various positions within the company, including Financial Consultant 1, Investment Consultant, Customer Relationship Manager, and Financial Representative since 2023. Ryan is licensed to provide insurance services in Arkansas and California. He focuses on helping clients overcome financial challenges, aiming to provide clarity and confidence in their financial decisions. Outside of his professional role, Ryan enjoys beach activities, outdoor adventures, scuba diving, skiing, and traveling.

Daniel Saavedra is a financial advisor at Fidelity with 38 years of industry experience. He holds Series 63 and Series 66 licenses and has been with various Fidelity divisions since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator, advises multiple registered investment companies, and utilizes AI and systematic methodologies in its investment process.

Joshua Manikowski is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously held roles with Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance. Outside of his advisory work, he is a general partner and managing member of Dalinar Holdings LLC, a non-investment related business. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Aaron Ghelerter is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo from 2015 to 2019 before joining Merrill, where he has been since 2019. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Travis Burky is currently serving as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2015, progressing through roles including Portfolio Specialist and Financial Consultant. His professional focus is on understanding clients' priorities and developing financial plans that align with their goals. Travis holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in boating, camping, fitness, playing musical instruments, music, and spending time with pets.

Corey Harris is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill and Bank of America before joining Fidelity. Outside of his advisory role, he creates content for a YouTube channel called React University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Lauren Randle is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, bringing one year of industry experience. Prior to joining Merrill in 2023, she held roles at Northwestern Mutual and worked in educational settings including the University of Florida and Florida Atlantic University. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Magurne is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Magurne is based in Jacksonville, FL. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kirk Olson is a financial advisor with Osaic Wealth, Inc. in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Osaic since 2018 and was previously with Signator Investors, Inc. and Retirement Resources, where he also serves as Vice President. His professional activities include insurance brokerage, focusing on life insurance, annuities, and long-term care products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm employs advanced asset-allocation tools and offers a wide range of portfolio management options, including access to third-party managers and unified managed accounts.

Michael Degennaro is a financial advisor at Fidelity with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a disciplined approach combining fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Nicole Di Massa is a financial advisor at Stifel with nine years of industry experience. She holds a Series 66 designation and has previously worked at Cohen & Steers Securities, Cohen & Steers Capital Management, Lord Abbett Distributor LLC, and Merrill. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation guidance.

Paul Sinofsky is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 66 designations and offering 41 years of industry experience. He has worked with Primerica Advisors since 1985 and with Primerica Financial Services since 1984. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated entities. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that employs model-driven strategies and operates at scale with thousands of advisors and billions in assets under management.

Dennis Hoyos is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles including at Ttec and GuideWell. He is also listed as the president of Performance Machine Corp, a retail auto parts store, though he currently has no active duties there. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and fund advisory services.

Rick Benitez is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 11 years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader platform, providing access to a wide range of products and services.

Kyle Simmons is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2025. He has progressed through various positions within Fidelity, including Investment Solutions Representative II (2024-2025), Investment Solutions Representative I (2023-2024), Retirement Representative (2022-2023), and Customer Relationship Advocate (2021-2022). In his current role, Kyle partners with clients to co-create financial plans aimed at providing confidence and trust regarding their family's financial futures. Kyle holds insurance licenses for the states of Arkansas and California. Outside of his professional career, he has personal interests in activities such as beach outings, camping, fishing, football, golf, and kayaking.

Charles Thomas is a financial advisor with Merrill based in Jacksonville, FL. He holds a Series 66 designation and has five years of industry experience. Prior to joining Merrill, he worked at Publix in 2019. Merrill 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 broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Brian Wilson is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and having 21 years of industry experience. He has worked at Merrill since 2004 and concurrently at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

John Peterson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been with Merrill since 1995, beginning his career after leaving the United States Air Force. John focuses on retirement planning and investment management, working closely with a diverse client base including high net worth individuals and business owners. He prioritizes understanding each client's unique needs to develop personalized financial strategies aimed at pursuing their long-term goals. John holds a Bachelor's degree from the United States Air Force Academy and an MBA from Chapman University. He is a CERTIFIED FINANCIAL PLANNER™ certificant, awarded by the Certified Financial Planner Board of Standards, Inc., and holds additional professional designations including Certified 401(k) Professional (CkP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He has served as an Adjunct Professor at the University of Alaska–Anchorage and has experience speaking on a range of financial topics. Beyond his professional work, John is involved in community service as a Court Appointed Special Advocate (CASA). He is also a member of the Air Force Academy Association of Graduates. In his personal time, he enjoys outdoor activities such as basketball, biking, fishing, golfing, hiking, scuba diving, skiing, swimming, and spending time with his family.

Bradley Swanson is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services LLC since 2015. His current tenure at Fidelity Investments began in 2025. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.