Ricardo Santos is a financial advisor with Fisher Investments in Ponte Vedra, FL, holding Series 63 and Series 66 licenses and 19 years of industry experience. His prior roles include positions at GWFS Equities, Inc. and VOYA Financial Advisors. Fisher Investments serves a global client base of institutional and private investors, offering discretionary portfolio management through a centralized investment committee that employs quantitative and qualitative research. The firm provides diversified portfolios with tax-aware processes and defensive tactics, managing a range of separate accounts, collective funds, and sub-advisory relationships.

Kristy Cole is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018. Prior to this, she had brief roles at Mass Mutual and held positions related to Florida State University from 2015 to 2018. 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, pension plans, and other entities.

Kyle Chriske is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior roles include positions at Fidelity Investments and Gardens Wealth Management. Outside of advising, he has experience working in various sectors, including education at the University of North Florida and in logistics with Penske Logistics. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with investment approaches developed by internal and third-party managers.

Porfirio Perez is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo since 2013, including time at Wells Fargo Advisors. Outside of his advisory work, he is a freelance writer producing articles, short stories, and collections of fiction and non-fiction. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Bozena Bakula is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and seven years of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. beginning in 2022. 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, pension plans, corporations, and charitable organizations.

Holly Keefe is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She has been with Merrill since 2004. Keefe serves as a board member for the Providence School of Jacksonville’s Parent Teacher Partnership, organizing school events. 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, pension plans, corporations, and charitable organizations.

Aaron Williamson is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with Merrill since 2015. 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, pension plans, corporations, and charitable organizations.

Marla Castin is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in creating personalized wealth management strategies tailored to clients' individual financial goals. With over 30 years of experience in financial services, Marla works closely with individuals, families, corporate executives, business owners, and financial professionals to develop comprehensive plans encompassing wealth management, lending, insurance, and estate planning. Her client focus areas include college education planning, executive compensation, divorce transition planning, family wealth management, portfolio and retirement income planning. Marla holds a bachelor's degree from the University at Albany SUNY and has earned professional designations as a CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She emphasizes a client-centered approach, aiming to understand each client's unique circumstances and comfort with investment risk to deliver strategies that align with their long-term objectives. Outside of her professional role, Marla enjoys playing pickleball and volleyball, running, reading, and spending time with her family. She resides on the South Shore of Staten Island with her wife and three sons.

Anthony Marengo is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments in various roles since 2004. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage and consult on diversified portfolios.

Stephen Stowell is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, N.A. Outside of his advisory role, he participates in meal delivery through Door Dash on weekends. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Katharyn Smith is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds Series 63 and Series 65 designations and has been with Raymond James since 2011. Smith serves as a board member for The Arc of Jacksonville, a nonprofit organization. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Margaret Spadora is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Wai Chan is a financial advisor with Merrill, holding a Series 66 designation and over 23 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, he serves as one of three managers for SAW Holdings I LLC, a personal holding company established to protect family assets. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gus Hydbom is a Branch Leader at Fidelity Investments, a position he has held since 2024. In this role, he leads a team dedicated to comprehensive financial planning, aiming to provide clients with strategies aligned to their long-term financial goals. His experience at Fidelity Investments includes several leadership roles, such as Team Leader for Portfolio Advisory Services from 2020 to 2024, and Team Leader for Client Services from 2019 to 2020. Prior to these positions, he worked in various capacities including Investments Solutions Representative, ISR Help Desk, PAS Service Representative, and Customer Relationship Advocate between 2016 and 2019. The breadth of his experience covers client services and portfolio advisory functions, reflecting a commitment to serving clients through diverse financial service roles at Fidelity Investments.

Michael Emmert is a financial advisor at Fidelity with 12 years of industry experience. He holds Series 66 and Series 63 designations and has worked at various Fidelity entities since 2012. Outside of finance, he is an adjunct professor of jazz saxophone at the University of North Florida and performs music professionally through his own contracted events. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Eric Schlumbohm is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has been with Bank of America and Merrill since 2010. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bruce Varnadore Jr. is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 66 registrations and has been associated with various Fidelity entities since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages diversified model portfolios and serves multiple registered investment companies with an emphasis on oversight and conflict management.

James Boughter is a financial advisor with Fidelity who holds the CFP® designation and Series 63 and 66 licenses. He has 27 years of industry experience, including roles at Fidelity Brokerage Services, Strategic Advisers, and Fidelity Personal and Workplace Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios and manages oversight of affiliated and unaffiliated sub-advisers.

Daniel Copeland is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. He has been with Merrill since 2005 and concurrently affiliated with Bank of America, N.A. since 2009. 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 developed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eddie Garcia is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at Fidelity Investments for three years. 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 designed for a range of clients including individuals, high-net-worth clients, and institutional investors.