Sania Zaidi is a financial advisor at Merrill with 15 years of industry experience. She holds Series 63 and Series 66 licenses and has worked with firms including Fidelity Brokerage Services, Morgan Stanley, and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers.

Pamela Davis is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and access to various investment products.

Joshua Merritt is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019, as well as at Bank of America, N.A. since 2023. Outside of his advisory role, he serves as a trustee for several family trusts. 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.

Olivia Karch is a Wealth Management Advisor with Merrill Lynch Wealth Management, currently based in Ponte Vedra Beach, Florida. She began her career with Merrill in August 2014 and joined her father, Gary Karch, in February 2020 to form The Karch Wealth Management Group. Olivia serves clients across multiple states and focuses on providing a comprehensive approach to managing wealth that starts with understanding each client's goals. She earned a Bachelor's Degree in Marketing from Penn State University in 2014. Olivia holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Chartered Retirement Planning Counselor™ (CRPC), and Personal Investment Advisor (PIA). Her areas of expertise include education planning, family wealth management, legacy planning, liquidity management, personal retirement planning, portfolio management, women and wealth, tax minimization, and retirement income. Olivia is active in community service, participating in local events and volunteering. She serves on the Horizon Board of Dreams Come True of Jacksonville and is a certified swim coach for the Duval County Special Olympics. She also enjoys traveling, spending time with family, and engaging in activities such as adventure sports, cooking, hiking, music, pickleball, skiing, swimming, and yoga.

Matthew Owten is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 designations and one year of industry experience. His prior work experience includes positions at Bank of America, Region Bank, Fidelity Investments, and Navy Federal Credit Union. 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 clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jackson Neri is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has worked at UBS since 2022. Prior to his current role, he was involved in photography, videography, and drone piloting through his business, East Coast Virtual Tours. UBS Financial Services offers brokerage and investment advisory services to individual, corporate, and institutional clients, combining proprietary research and model-based asset allocations to create tailored financial plans. The firm also provides a range of capital markets services alongside wealth management.

Connor Lowther is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2017. 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.

Daniel Romanchuk is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2012 and 2013, respectively. Outside of his advisory role, he coaches lacrosse at Ponte Vedra 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tscharner Darby is a financial advisor at Fidelity with eight years of industry experience. They hold Series 63 and Series 66 designations and have worked at Fidelity Brokerage Services LLC since 2017. Their work history also includes a brief tenure at Vystar in 2017. 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 utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Angela Graham is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 credentials. Prior to joining Merrill in 2017, she worked at Fidelity Investments for 10 years. Outside of her advisory role, she is involved with S.A.F.E Management in Jacksonville, providing guest services for sporting events and concerts. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Timothy Wolgemuth is a financial advisor with Fidelity in Jacksonville, FL. He holds the Series 66 designation and has been with Fidelity since 2025. Prior to joining Fidelity, he has experience in real estate and related roles, including working with Keller Williams Realty as an independent contractor handling real estate referrals. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory and portfolio management with a focus on combining fundamental research and quantitative analysis through systematic methodologies and long-term asset allocation.

Thomas Scott Jr. is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Agia and Valic Financial Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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 both discretionary and non-discretionary management supported by in-house and third-party research.

Ekaterina Ollier is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she supports clients in clarifying their financial goals and developing strategies to help them achieve those objectives. She works with a diverse client base, including executives, business owners, and professionals, assisting them with various financial priorities such as retirement planning, wealth transfer, and portfolio management. Ekaterina brings her experience to bear in helping clients navigate complex financial decisions by providing clear communication and attentive service. Her background includes expertise in individually tailored investment strategies, legacy planning, and socially responsible investing. She holds a Bachelor's Degree from the University of San Francisco and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of her professional responsibilities, Ekaterina is involved in her local Homeowners Association and enjoys spending time with her family.

Stuart Poplin is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and having one year of industry experience. Prior to joining Equitable Advisors, he worked at HD Supply and Fanatics Inc. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management services through a network of Investment Adviser Representatives and utilizes third-party program sponsors and discretionary managers for many of its advisory models.

Katherine Rachal is a financial advisor at Merrill with 11 years of experience, including her entire professional tenure at Merrill since 2015. She holds a Series 66 designation and is based in Jacksonville, FL. Outside of her advisory role, she is a co-owner of a family investment property in Victoria, Texas. 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.

Juan Bustos is a Private Wealth Advisor with Merrill Private Wealth Management, specializing in serving clients within the Spanish-speaking markets in the USA and internationally. He has over 15 years of experience providing tailored financial strategies to meet the unique needs of individual and corporate clients across borders. Juan earned both his bachelor's and master's degrees in finance and economics from ITESM University, Mexico City, which equipped him with a strong understanding of global financial markets and wealth management. His areas of expertise include family wealth management strategies, international wealth management, institutional investment consulting, portfolio management, executive compensation, and tax minimization. Juan holds the Personal Investment Advisor (PIA) designation and is fluent in English and Spanish, allowing him to effectively navigate different cultural and financial environments. Outside of his professional role, Juan enjoys playing tennis, traveling, and volleyball.

Joey Meininger is a financial advisor with Edward Jones in Jacksonville, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2024, he served 25 years in the United States Air Force. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of advisors and branch offices.

James Laddaga is currently the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. He has been with Fidelity Investments since 2005, serving in various roles including Financial Consultant, Portfolio Specialist, and Retirement Specialist, among others. James holds an Arkansas Insurance License, supporting his expertise in financial planning and investment consulting. His professional experience spans over a decade in the financial services industry, focusing on tailored financial planning to help clients achieve confidence in their financial futures. Outside of his professional role, James enjoys activities such as board games, cooking and baking, fitness, kayaking, running, and traveling.

Kevin Engelstad is a financial advisor with Merrill, holding a Series 66 credential and 18 years of industry experience. He has been with Merrill since 2007 and has also worked at Bank of America, N.A. since 2014. Outside of his advisory role, he is a co-owner of several family-run businesses. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Mc Knight is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018. Prior to his current roles, he was employed at American Classic Homes and attended the University of North Florida. 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.