Joseph Pratt is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 1997. 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 and profit-sharing plans, corporations, and charitable organizations.

Thomas Sandifer is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over two decades of experience since beginning his career in 1998. Born and raised in Jacksonville, Florida, he specializes in working with high net worth individuals and families, focusing on personalized asset management strategies. His expertise includes college education planning, legacy planning, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income strategies. In addition to asset management, Thomas emphasizes insurance solutions such as life insurance, long-term care, and annuity strategies tailored to client needs. He holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by The College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) credential. His educational background includes a high school diploma from Bishop Kenny High School and an associate's degree from Tallahassee Community College. Residing in Ponte Vedra Beach, Florida, Thomas lives with his wife Julie and their children, Melissa and Zachary. He supports several philanthropic organizations in North Florida, including The Child Cancer Fund, K-9s for Warriors, and The City Rescue Mission of Jacksonville. In his personal time, he enjoys boating, fishing, golfing, and traveling.

David Johnson is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Outside of advising, he is commissioned as a notary public in Florida and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure while delegating trading responsibilities to BNY Mellon Advisors.

Troy Gibbs is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Raymond James & Associates since 2006. Outside of his advisory role, he serves as a finance committee member for the St. Pauls Annual Scholarship Golf Classic and is the founding president of the Marsh Island Home Owners Association. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary consulting backed by extensive research and a variety of portfolio management strategies.

Kevin Miller is a CFP® with 28 years of industry experience, currently serving at Morgan Stanley in St. Augustine, FL. He has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of financial programs and investment offerings.

Jonathan Brick is a financial advisor with UBS Financial Services in Ponte Vedra, FL, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at UBS since 2020 and spent five years at Merrill prior to that. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor investment plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant operations and affiliated banking programs.

Susanne Wagner Wilson is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001. 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.

Kevin Candeau is a financial advisor at Merrill with Series 66 and Series 63 designations and one year of industry experience. His work history includes positions at Bank of America, Charles Schwab, and several other firms. 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.

Sarah Blackley is a financial advisor with Ameriprise in Ponte Vedra Beach, FL, holding a Series 63 designation and five years of industry experience. Her prior roles include positions at Fidelity Investments and Regions Bank. She also has experience with the American Culinary Federation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice, utilizing proprietary research, third-party data, and algorithmic tools.

Erika Voelker is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. She has worked at Bank of America and Merrill since 2013. She is the sole owner of an outside business named Erika Voelker, based in Jacksonville. 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, and institutions.

Peter Jensen is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 14 years of industry experience. He has been with Bank of America N.A. and Merrill Edge Advisory Center since 2012. 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 and profit-sharing plans, corporations, and charitable organizations.

Donna Stoll is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 28 years of industry experience. Her prior work includes roles at Charles Schwab and Bank of America Corporation/Merrill Lynch. She has also been involved with Vystar Credit Union and operated a self-employed business with Uber. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Robert Hale is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Beshany Group. He works closely with clients to provide personalized investment solutions tailored to their priorities, risk tolerance, time horizon, liquidity needs, and goals. His client focus areas include college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Robert is a retired naval aviator and holds a Bachelor's Degree from the US Naval Academy, a Master's Degree from the University of San Diego, and a Master's Degree from the US Naval War College. He holds the Personal Investment Advisor (PIA) designation and is involved with the World Affairs Council in Jacksonville. Outside of his professional work, Robert enjoys cooking, golfing, tennis, and spending time with his family.

Matthew White is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and possessing six years of industry experience. His background includes roles at PFSI Investments Inc. and extended tenure in non-financial employment at CSX Transportation. In addition to advisory work, he receives compensation related to mortgage sales and referrals for home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services primarily through a model-recommendation approach supported by third-party asset managers and custodians.

Amber Laguador is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1999. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Rossi is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2006. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexander Lovaglio is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation. Prior to his current role, he worked for six years at Kingfish Grill and spent seven years in full-time education. Outside of his advisory work, he has experience in the restaurant industry as a server. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services with an integrated structure that supports a large client base.

Nick Elias is Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2009. In his role, he works as part of a team specializing in assisting wealthy families with wealth management decisions. He focuses on understanding clients' family situations, objectives, risk tolerance, and time frames to develop and implement personalized financial plans. Prior to joining Fidelity Investments, Nick held positions including Vice President Client Advisor at SunTrust from 2005 to 2009, Trust Officer at Wachovia from 2002 to 2004, Financial Advisor at Ameriprise from 1999 to 2001, and Banking Representative at Bank of America from 1998 to 1999. Outside of his professional work, Nick enjoys boating, family activities, fishing, fitness, hiking, and volunteering.

Corey Johnson is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked at Merrill and Bank of America since 2017 and was previously with Fidelity Brokerage Services from 2014 to 2017. 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.

Joseph Kelly is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 designations and possessing 20 years of industry experience. He has been with Merrill and 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.