Jeffrey Heard is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Merrill and Bank of America since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 Anderson is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2012, alongside a current role at Bank of America, N.A. since 2022. Merrill serves a diverse client base, including individuals, retirement plans, corporations, and institutional clients, offering a range of managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes integrated investment management solutions supported by its affiliation with Bank of America and a focus on tax-efficient strategies.

Chad Labenz is a Senior Vice President and Wealth Management Advisor based in the Merrill North Florida Complex headquarters in Jacksonville, Florida. He joined Merrill Lynch Wealth Management in 2009, focusing on retirement planning and working with specialists from Bank of America and Merrill to offer services including cash management, portfolio development, college planning, wealth preservation, and estate planning. Chad works closely with estate planning advisors to support his clients' financial needs. A Nebraska native, Chad graduated with honors from the University of California, Santa Cruz and holds an MBA in finance from Fordham University's Graduate School of Business in New York City. Before joining Merrill Lynch, he spent nearly a decade on Wall Street working as a bond trader. Chad is a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), and he is a graduate of both Leadership Jacksonville and Leadership Florida. Chad is actively involved in his community as a Trustee and member of the Executive Committee at the Florida Theatre and as a past Board Chair at the Museum of Contemporary Art Jacksonville (MOCA). He has also participated in his children's education at The Bolles School.

Shalani Schulz is a Wealth Management Advisor specializing in serving active and retired athletes, entertainers, physicians, attorneys, executives, business owners, and multiple generations of families. She focuses on delivering thoughtful financial perspectives that help clients make decisions not driven by emotion or external pressures. Her approach includes helping clients manage unique compensation arrangements, develop consistent saving and investment habits, and build successful financial infrastructures by working closely with clients' representatives and families. Shalani holds professional credentials including the CERTIFIED FINANCIAL PLANNER® (CFP) designation, Certified Investment Management Analyst® (CIMA®), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She earned her Bachelor's degree from Eastern Washington University. Her expertise spans managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and tax minimization. Committed to community involvement, Shalani follows a tradition of volunteering with local organizations. In her personal time, she enjoys skiing, tennis, and yoga.

Aria Smith is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at both Bank of America, N.A. and Merrill since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Olsen is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at The Discovery School and Ess, as well as positions outside the financial services sector. 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 a range of individual and institutional investors.

Aaron Carter is a financial advisor at Merrill with 15 years of experience in the industry. He holds a Series 66 designation and has been with Merrill Lynch since 2011. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Victoria Tiehen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and 19 years of industry experience. Her prior roles include positions at BB&T Bank, BB&T Securities, SunTrust Advisory Services, and Suntust Investment Services. She serves as a board member of the Flagler County Education Foundation and is involved with Melaleuca, a wellness company. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles supported by in-house research and affiliated sub-advisers.

Robert Yarbrough is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and one year of industry experience. Before joining Ameriprise, he worked in the restaurant industry, including positions at O-ku Sushi and Hawkers Asian Street Fare. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, integrating investment research and third-party data within a defined investment framework.

Christian Ramjohn is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2012, with prior roles at JPMorgan Chase Bank and a brief tenure at Amazon Inc. 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, distribution, and investment management capabilities.

Adam Tompkins is a financial advisor with Merrill, holding Series 66 and Series 63 licenses and possessing 11 years of industry experience. He has worked at Merrill since 2015 and is also associated with Bank of America, N.A. since 2019. 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 both model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Dorais is a financial advisor at Merrill with a Series 66 license and one year of industry experience. Prior to joining Merrill, he held roles at BestBet, The Winn-Dixie Company, Abercrombie & Fitch Co., Papa Murphy’s, and Orange Park High School. 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 variety of clients including individuals, high-net-worth investors, and institutional entities.

Jeffrey Dawkins is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill and Bank of America since 2014. Dawkins serves as a board member and business manager for the Paxon Golden Eagles Parents Association, a nonprofit organization focused on fundraising for a high school band. 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 plans, corporations, and charitable organizations.

Dawson Hallmark is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Zachary's Riverhouse and Sea Palms, among others. 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 institutional investors.

Jose Pena is a financial advisor at Ameriprise with three years of industry experience. He holds the Series 63 designation and has previously worked at BOFA Securities, Merrill, and Deutsche Bank over a 12-year period. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing advice focused on income stability and tax-aware withdrawal strategies.

Joshua Waller is a financial advisor at Merrill with 24 years of industry experience. He holds Series 63 and Series 66 securities licenses and has been with Merrill since 2016. Outside of his advisory role, he supports a Pilates and Gyro Studio operated by his spouse in St. Augustine, 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Joshua Kuhbander is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 18 years of industry experience. He has been with Merrill and Bank of America since 2016. Outside of his advisory role, he is a co-owner of a family rental property in Hilton Head Island, SC. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Leilani Walker is a financial advisor at Merrill with seven years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Merrill in 2021, she worked at Fidelity Brokerage Services LLC and held positions outside the financial industry. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Stephen Pell is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at The Vanguard Group for four years. Outside of his advisory role, he has experience in the food service industry with Taco Mama and in automotive services with Hiley Automotive. 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 a range of individual and institutional clients.

Joseph Grant is a Series 65-licensed financial advisor with Primerica Advisors in Jacksonville, FL, bringing 10 years of industry experience. His work history includes roles at Primerica Financial Services since 1998, PFS Investments Inc., and Dental Fix RX. He also participates in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on individual and high-net-worth clients with model-delivery strategies and selectively available separately managed accounts. The firm uses third-party asset managers vetted through independent due diligence and employs a tiered wrap-fee structure.