Margo Hill is a CFP®-certified financial advisor with 17 years of industry experience, currently practicing at Ameriprise in Saint Johns, FL since 2015. She co-owns Integrity Tax Solutions, a tax preparation business, and also works as a tax specialist providing individual tax return services for Intuit Turbo Tax. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, offering tailored, research-driven recommendations that incorporate tax-efficiency and income source analysis.

Johnathan Rice is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2006, concurrently serving at Bank of America since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Caridad Sperry is a financial advisor at Merrill with eight years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Fidelity Brokerage Services LLC. Outside of finance, she is a certified indoor cycling instructor at CycleBar in Jacksonville, FL. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary strategies developed by internal and third-party managers. The firm serves individual and institutional clients, including high-net-worth individuals, pension plans, and charitable organizations.

James Coleman is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 2014. Outside of his advisory role, he works part-time as a sideline assistant for football games at EverBank Field. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, providing managed account programs, discretionary portfolio management, and brokerage execution services supported by a platform integrated with Bank of America affiliates.

Dana Hooten is a financial advisor at Morgan Stanley with 28 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and provides tailored financial planning supported by firm-approved tools and research.

Andrew Laino is a financial advisor at LPL Enterprise with 26 years of industry experience. He holds the Series 66 designation and has worked with The Prudential Insurance Company of America since 2000. He is also the owner of Laino and Associates Financial Group, Inc., a business based in Sarasota, FL. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform.

Erik Labitzke is a financial advisor at Merrill in Jacksonville, FL, with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Edward Moyer is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2010. Outside of his advisory role, he works as an associate at K-Mart in Orange Park during non-trading hours. Merrill provides managed account services through its Select Portfolio Solutions Program, catering to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm uses model-based and discretionary investment strategies developed by internal and third-party managers.

Kristin Fincher is a financial advisor at Merrill with 15 years of industry experience. She holds the Series 66 designation and has been with Merrill 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jason Roegner is a Series 66-licensed financial advisor with Merrill, based in Jacksonville, FL, and has 12 years of industry experience. He has been with Merrill and Bank of America, N.A. for the past 10 years. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Catherine Stone is a CFP® with 29 years of experience in the financial industry. She has been with Ameriprise since 2005, currently serving as an advisor at the firm. Outside of her advisory role, she serves on the Board of Directors for the Saint Augustine Film Society Inc. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team in partnership with clients’ advisors.

Brian Haefner is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has worked at Merrill and Bank of America 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.

Paul Carter is a CFP® professional with 10 years of experience in the financial services industry. He is currently with Cetera and has held prior positions at First Allied Securities Inc., Richard Worrell, LLC, Northwestern Mutual Investment Services LLC, and BBT Investments. Cetera Investment Advisers LLC is an SEC-registered firm serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through multiple program structures and affiliations, managing over $256 billion in assets.

Wade Corbett is a Wealth Management Senior Relationship Manager who works with generations of affluent families, serving as their primary contact in providing service tailored to individual needs and preferences. He has held various roles at Fidelity Investments since 2000, including Planning Consultant from 2021 to 2024, Senior Relationship Manager from 2006 to 2021, and Relationship Manager from 2000 to 2006. Throughout his career, Wade has developed expertise in wealth management and client relationship services. No educational background or personal interests have been provided.

Brittany Riddle is a financial advisor with Ameriprise in Ponte Vedra Beach, FL, holding a Series 66 designation and five years of industry experience. She previously worked at UBS Financial Services for seven years before joining Ameriprise in 2023. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written Recommendation Reports and ongoing advice. The firm’s investment approach incorporates proprietary research, third-party data, and algorithmic tools, with a focus on dependable income sources and tax-aware withdrawal strategies.

William H. Merriam III serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been since October 1990. He has developed a wealth management practice with a team of 10 professionals. Merriam focuses on capital preservation, income generation, and growth strategies through asset allocation, investment selection, option strategies and hedging, and income tax minimization for both individuals and business owners. Merriam has more than 30 years of investment experience and specializes in areas including education planning, family wealth management strategies, services for endowments, foundations, and non-profits, defined benefit plans, legacy planning, liquidity management, and retirement income planning. He holds a Bachelor's Degree in Business Finance from Florida State University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). He is also a member of the Investments & Wealth Institute. In his personal time, Merriam enjoys fishing, football, golfing, hunting, and tennis. His professional philosophy emphasizes connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals.

Erin Fox is a Series 66-licensed financial advisor with 12 years of industry experience, currently practicing at Cambridge Investment Research Advisors since 2018. Prior to this, she was associated with Family Wealth Advisors, Inc. from 2014 to 2019. She is also the president of Fox Financial Advisors LLC. Cambridge Investment Research Advisors is a large SEC-registered advisory firm serving a diverse client base including individuals, retirement plans, charitable organizations, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a range of portfolio management options and model-based solutions tailored to client objectives.

Gabriel Niles is a financial advisor with Fisher Investments, holding a Series 66 designation and 15 years of industry experience. He has worked at Fisher Investments since 2014 and previously held positions at Morgan Stanley, Wells Fargo Clearing, and Edward Jones. Fisher Investments serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm centralizes investment decisions through an Investment Policy Committee that uses both quantitative and qualitative research to construct globally diversified portfolios and employs tax-aware processes and risk management tactics.

Gary Wilson is a financial advisor at Merrill with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Bank of America and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers for individuals, high-net-worth clients, and institutions.

Kelvin Cox is a Series 66-licensed advisor at Merrill in Jacksonville, FL, with 10 years of experience. He has worked at Merrill since 2015 and has been with Bank of America, N.A. since 2016. 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 managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.