Reuben Urmeneta is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2026. In this position, he collaborates with clients to develop and implement financial plans aimed at improving their financial well-being. His approach focuses on understanding clients' goals and needs to establish investment strategies and overall financial plans that help work toward these objectives. Reuben emphasizes a client-centered methodology, partnering with individuals to co-create tailored financial solutions. Outside of his professional duties, he has interests in parenthood and traveling.

Benjamin Oxnard IV is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides comprehensive wealth management services tailored to the unique goals of his clients, focusing on family wealth management strategies, liquidity management, retirement planning, portfolio management, and tax minimization. He emphasizes a disciplined planning process grounded in clear analysis, designed to adapt as clients' lives and market conditions evolve. Prior to joining Merrill Lynch in 2012, Benjamin worked as a management consultant in Washington, D.C., advising institutional clients on organizational and strategic challenges. He holds a Bachelor of Science degree in Psychology with a concentration in Behavioral Analysis from James Madison University. He is a Personal Investment Advisor (PIA) and is originally from Savannah, Georgia. Benjamin resides in the Venetia area of Jacksonville with his wife, Whitney, and their son, Benjamin. His community involvement includes serving as an assistant wrestling coach at the Episcopal School of Jacksonville and as a director for St. Johns Riverkeeper. Outside of work, he enjoys spending time with his family, coaching wrestling, golfing, and activities near the water.

Rebekah Hodges is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 credential and bringing 24 years of industry experience. She has been with Merrill Lynch since 1996. Outside of her advisory role, she is involved with Hodges Battery LLC, a family-held business providing golf cart batteries and mobile on-site service. 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 institutions.

Paul Banta is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has worked with Fidelity Brokerage Services since 2006 and with Fidelity Personal and Workplace Advisors since 2018. Outside of his advisory role, he creates social media content focused on theme parks, travel, and inspirational topics. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios that include mutual funds, ETFs, and ETPs.

Ander Jankowski is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. His prior work includes positions at Lowe's and teaching roles at the University of Central Florida and Oakleaf High School. 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 combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various investment vehicles.

Samuel La Fevers is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with both Merrill and Bank of America, N.A. since 2015 and 2017, respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sean Paul Jr. is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His work history includes positions at Merrill since 2020 and Bank of America since 2023, as well as earlier roles outside the financial 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Williams is a financial advisor at Fidelity with 10 years of industry experience. He holds the Series 63 and Series 66 designations. Outside of his advisory role, he is the sole proprietor of Box Mazes, a business that designs, crafts, and sells wooden blocks. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, delivering model portfolios constructed from mutual funds, ETFs, and ETPs.

Allen Ng is a financial advisor with Charles Schwab in Jacksonville, FL, holding Series 63 and Series 66 credentials and possessing 17 years of industry experience. His career includes roles at Charles Schwab Bank, Schwab & Co., TD Ameritrade, and Scottrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management with a focus on multi-asset model portfolios and access to alternative investments, supported by a large-scale, integrated operational structure.

Brendan Clowry is a financial advisor with Ameriprise, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2024, he worked at Sentinel Wealth Management and spent seven years at the University of California San Diego. Outside of his advisory role, he owns Happy Hoops LLC, a basketball coaching business for school-aged children. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written retirement income recommendations through a centralized consulting team.

Douglas Ohnsman is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1997 and Bank of America, N.A. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rita Castro is a CFP®-designated financial advisor with Ameriprise, bringing 33 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as Secretary on the Board of Directors for Pay It Forward America, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized consulting team to deliver tailored, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency strategies.

Melissa Reinke is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and previously worked at FNBO and Boston University. Outside of her advisory role, she teaches fitness classes at a residential community in Ponte Vedra, Florida. Fidelity's Strategic Advisers LLC 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 manage and deliver model portfolios.

Josef Young is a CFP® professional with 14 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked with Wells Fargo Advisors LLC and Wells Fargo Bank NA, where he has been employed since 2010. Based in Jacksonville, FL, Young holds Series 63 and Series 66 licenses in addition to his CFP® designation. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes unique offerings such as insurance-related vehicles and bank deposit sweep options within its investment menus.

Kelly Dewitt is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 16 years of industry experience. She has been with Merrill since 2009 and is also associated with Bank of America, N.A. since 2018. Dewitt is a co-owner of a family business outside her advisory role. 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 a variety of model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Sherman is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 designations. His career includes roles at Fidelity Brokerage Services, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, IRS-qualified charitable funds, and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs, and is noted for its use of AI and formal advisory roles to multiple registered investment companies.

Nathanial Collins is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and nine years of industry experience. He previously worked at Fidelity Brokerage Services LLC for ten years before joining Morgan Stanley Smith Barney LLC in 2026. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Cameron Hurdle currently serves as a Planning Consultant at Fidelity Investments, a role held since 2026. He has progressed through various positions within the firm, including Investment Solutions Representative III, II, and I from 2023 to 2026, and previously worked as a Customer Relationship Advocate from 2021 to 2023. Cameron holds insurance licenses in Arkansas and California. In his professional approach, Cameron focuses on empowering clients to take charge of their financial futures by co-creating personalized plans aligned with their short- and long-term goals. He emphasizes building trust, identifying challenges, and aligning strategies to instill confidence in navigating the economic landscape. Outside of his professional work, Cameron enjoys camping, family activities, football, golf, reading, and traveling.

Pavle Nikocevic II is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill in 2025, he worked at Genpact, UPS, and ABSN Transport Inc. 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, and institutional investors.

Robert Devine is a CFP® professional with 22 years of industry experience, currently serving at Mass Mutual Investors Services since 2009. He holds Series 63 and Series 65 licenses and is based in Jacksonville, FL. Outside of his advisory role, he is the managing member of Captain Holding, LLC, a business he co-owns, and acts as secretary-treasurer for BNI Money Tree, a local networking organization. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes structured, ongoing financial planning engagements using advanced analytical tools and provides a range of programs including wrap accounts, money-manager programs, and educational seminars.