Jose Checo is a financial advisor at Fidelity with two years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes roles at Northwestern Mutual Investment Services LLC and experience at multiple universities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s investment process combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services and managing multi-manager and fund-of-funds structures.

James Withrow is a financial advisor with Merrill based in Jacksonville, FL, holding a Series 66 designation and nine years of industry experience. He has been with Bank of America and Merrill since 2017. Prior to his advisory role, he was involved with Whiffletree Farm for one year. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm provides a range of model-based and discretionary investment strategies integrated into Bank of America’s broader platform.

Tina Rogers is a Series 66 licensed financial advisor at Merrill with 20 years of industry experience. She has been with Merrill for most of her career, including an initial 18-year tenure from 2004 to 2022 and returning in 2022. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Matthew Watson is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has worked at Raymond James & Associates in multiple periods since 2013 and spent two years with Dunhill Financial. Outside of his advisory role, he serves as a volunteer bookkeeper and treasurer for a local Boy Scouts of America Cub Scout pack. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and sponsors wrap fee advisory programs.

Michael Hakimi is a financial advisor at Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses with 11 years of industry experience. He has been with Bank of America and Merrill since 2014. Outside of his advisory role, he serves as a consultant and independent contractor for the Financial Industry Regulatory Authority, Inc., where he participates in arbitration hearings and dispute resolution. Merrill provides managed account services through the Select Portfolio Solutions program, serving a wide range of clients including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated within Bank of America’s broader corporate platform.

David Grass is a financial advisor at Merrill in Jacksonville, FL, with 14 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Bank of America, N.A. and Merrill since 2015. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Joshua Zimmerman is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2024, including a role at Morgan Stanley Private Bank, N.A. from 2025. Prior to his professional career, he was a full-time student for nine years and has experience outside finance from a position at Pump It Up. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model outcomes, while clients are responsible for plan implementation and updates.

Christopher Hill is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help them navigate important financial decisions by focusing on their goals, values, family, and future. His approach involves thoughtful financial planning and long-term guidance, assisting clients in preparing for retirement, managing wealth complexities, and considering the needs of future generations. Drawing on life experiences from growing up in Alaska and military service, Christopher emphasizes preparation, adaptability, resilience, and long-term thinking in his work. He coordinates investment, banking, and lending solutions through resources provided by Merrill Lynch and Bank of America as part of clients' broader financial strategies. Christopher holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He attended the University of Maryland but did not receive a degree. Outside of his professional role, Christopher has interests in camping, chess, genealogy, photography, spending time with family, traveling, and writing.

William Mccauley is a Series 66-registered financial advisor with Merrill in Jacksonville, FL, where he has worked since 2004. He has 21 years of industry experience. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide array of financial products and services.

Anita Baltazar is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She previously worked at McKesson Medical Surgical, OneCall, Data Verify, Voya Financial, and PaperlessPay Corporation. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary investment strategies and operates within Bank of America’s broader corporate platform.

Troy Buckingham is a Planning Consultant at Fidelity Investments, where he collaborates with clients to understand their financial goals and develop customized financial plans. He emphasizes building strong relationships based on trust, reliability, and competency. Troy has progressed through multiple roles at Fidelity Investments, including Investment Solutions Representative III, II, and I, High Net Worth Service Associate, and Customer Relationship Advocate, gaining experience in various aspects of investment and client service. He holds insurance licenses in Arkansas and California. Outside of work, Troy's personal interests include beach activities, football, and soccer.

Ian Pajcic is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he began his financial career in 1999. He initially practiced independently before building The Pajcic Group, an 11-person team with over 200 years of combined experience focused on personal client relationships. The team specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Ian, as a qualified Portfolio Manager, provides traditional financial advice while also constructing and managing personalized investment strategies that may include individual stocks, bonds, Merrill model portfolios, and third-party investment strategies. When operating within the firm's Investment Advisory Program, he may manage these strategies on a discretionary basis. He also serves as a liaison between his group and internal business associates. Ian holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., and has earned the Personal Investment Advisor (PIA) designation. He obtained his Bachelor's Degree from the University of Central Florida and graduated from Episcopal High School, where he served on the Alumni Board from 2008 to 2010. Ian is active in the Jacksonville community through his involvement with the Jacksonville School for Autism. Outside of his professional work, Ian enjoys golfing and wine collecting, as well as cooking, fishing, football, skiing, and spending time with his wife Monica and their three children, Austin, Anna Grace, and Alina, in Jacksonville.

Matthew Underwood is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining LPL Financial in 2025, he held roles at Lincoln Investment, Capital Analysts, and Edward Jones, among others. Outside of his advisory work, he serves in the Florida State Guard and is a business owner of Those Mother Shuckers, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from both internal and third-party sources.

Andrew Reichenbach is a Financial Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he assists clients in achieving financial confidence, making informed investment decisions, and simplifying their financial lives. His professional journey at Fidelity Investments began in 2018 and includes positions such as Customer Relationship Advocate, Investment Solutions Representative, Investment Consultant, and Investment Management Consultant II. Andrew holds insurance licenses in Arkansas and California, reflecting his qualifications in the insurance domain. Outside of his professional responsibilities, he engages in activities such as cooking and baking, gardening, parenting, caring for pets, swimming, and traveling.

Matthew Kwartler is a CFP® certified financial advisor with 26 years of industry experience, currently practicing at Cetera. He previously worked for Fidelity Brokerage Services LLC for 14 years before joining Cetera in 2026. Cetera Investment Advisers LLC is an SEC-registered firm that provides services through a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with access to affiliated and third-party managers across various program structures.

Alexander Intriago is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously with Wells Fargo Clearing Services LLC and M Holdings Securities, Inc. Intriago serves as a board member of The River Club in Jacksonville, Florida. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad planning menu that addresses various client needs, including cash-flow, retirement, education, and specialized planning such as business-owner transition and sports & entertainment planning.

David Derrick is a financial advisor with Fidelity in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. Prior to his current role at Fidelity, he worked in various positions including retail and service sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs. The firm also serves as a registered commodity pool operator and offers advisory services to multiple registered investment companies.

Joshua Persson is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity in 2025, he held positions at Uber and DoorDash, and has experience working in higher education at Florida State College of Jacksonville and the University of North Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, model portfolios, and fund advisory services.

Kimberly Rudd is a financial advisor with Merrill based in Jacksonville, FL, holding a Series 66 designation and bringing 23 years of industry experience. She has been with Merrill since 2001 and concurrently with Bank of America, N.A. since 2009. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and third-party managers, integrated with Bank of America’s broader corporate platform.

Wendy Reedy is a financial advisor at Fidelity with two years of industry experience and holds a Series 66 designation. Her previous work includes roles at Valor Intelligent Processing and Diversified Consultants, Incorporated. She works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.