Mark Winters is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 19 years of industry experience. He has been with Merrill and its predecessor firms since 2007. Outside of his advisory role, Winters serves as a volunteer head baseball coach for a local youth team. 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.

Scott Schless is a financial advisor with Cambridge Investment Research Advisors in Saint Johns, Florida, holding Series 66 and Series 63 licenses and eight years of industry experience. He has previously worked at First Command Insurance Services and Equity Services, Inc. Schless is also president of Schless Insights, Inc., a paraplanning and trading-related business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, with a range of portfolio management solutions and a combination of proprietary and third-party strategies.

Simone Pitter is a financial advisor at Raymond James & Associates with 22 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2010 to 2021. 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, investment consulting, and institutional fiduciary services.

Matthew Eric Villapando is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Merrill Edge, and teaching at Florida State College. Outside of finance, he has experience in hospitality and logistics sectors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, with portfolio implementation tailored to client tax sensitivity and investment preferences.

David Iafrate is a financial advisor with Merrill based in Jacksonville, FL. He holds Series 63 and Series 66 credentials and has 13 years of industry experience. He has worked with Merrill and Bank of America since 2013 and 2014, respectively. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Fetherolf III is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management, based in Ponte Vedra Beach, Florida. He co-leads the Current/Sherman Group, which advises clients in 30 states and manages approximately $2.5 billion in assets and liabilities as of February 2026. Richard joined Merrill after graduating from the University of Florida in 2009 and has been with the Current/Sherman Group since 2010. He has extensive experience working with ultra-high-net-worth families and collaborates closely with their estate planning and tax advisors to address complex estate, tax strategies, charitable intent, and next generation family wealth planning. Richard also directs the group's portfolio construction and implementation strategies. He holds Series 7 and 66 FINRA registrations and has earned the Chartered Retirement Planning Counselor (CRPC), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA) designations. Outside of his professional role, Richard enjoys football, golfing, hiking, music, reading, skiing, spending time with his family, tennis, traveling, and watching movies.

Michael Absher is a financial advisor with Cetera, holding the Chartered Financial Consultant (ChFC®) designation and Series 63 and 65 licenses, and has 33 years of industry experience. He has previously worked at Pruco Securities, LLC for 30 years and has held leadership roles including CEO and President of Convergent Financial Partners, LLC. Outside of his advisory work, he serves as treasurer for Unpackin It, a non-profit Christian sports ministry. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, operating with more than 10,000 advisors and over $256 billion in assets under management.

Joseph Yelko is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and Bank of America, N.A. since 2024. Outside of his advisory role, he is the owner and CEO of YKnot Performance Horses LLC, a business involved in buying, selling, and breeding horses. 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.

Daniel Cone is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill since 2012. 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.

David Hanvey is a financial advisor with UBS Financial Services in Ponte Vedra Beach, FL, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, Hanvey is involved in community organizations, serving as President and board member of Flagler Habitat for Humanity and as a board member for the St. Augustine Lighthouse, where he participates in fundraising and restoration efforts. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, leveraging proprietary capital market assumptions, model-based asset allocations, and global research to tailor plans according to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad platform that includes advisory, brokerage, capital markets, and lending solutions.

Jay Funyak is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and 18 years of industry experience. His prior roles include positions at Moralis Technologies, MassMutual, MFA Wealth, and Northwestern Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with model portfolios and research.

Tenisha Fairclough is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2007. Outside of her advisory role, she owns a home bakery called Just Cakin' It, where she bakes and decorates cakes part-time. 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.

Thomas Eckert is a Series 66-registered financial advisor with Merrill in Jacksonville, FL, where he has worked since 1998. He has 22 years of industry experience. 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.

Tristan Vires is a financial advisor at Merrill with Series 63 and Series 66 licenses and two years of industry experience. He previously worked at Fidelity Investments and has a varied background including military service and roles in several other industries. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Cheryl Imperato is a financial advisor at Fidelity with five years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2021. Prior to joining Fidelity, she held roles with IBCCES and CE Broker. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including delegated sub-advisers and model portfolios built from mutual funds, ETFs, and ETPs.

Tessa Streett is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America, N.A. since 2018. Outside of her advisory role, she has been involved with The Vitamin Shoppe since 2015. 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, pension plans, corporations, and charitable organizations.

Eric Korzyniowski is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Merrill since 2000 and has also worked at Bank of America, N.A. since 2011. Outside of finance, he serves as a director of Louisville Tile Distributors, Inc., a family-owned regional distributor of ceramic, porcelain, and natural stone tile. 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 to individual, high-net-worth, institutional, and charitable clients.

Jillian Fisher is a financial advisor at Edward Jones in St. Augustine, FL, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining Edward Jones, she owned and operated Reep Lawncare & Landscaping, LLC for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Oresti Gjuzi is a financial advisor with Merrill, holding the Series 66 designation and three years of industry experience. His career includes roles at Wells Fargo and Bank of America, N.A. Outside of financial services, he has been involved with Casbah Caffe since 2019. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, institutions, and organizations.

Ryan Jones is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked at Raymond James & Associates since 2020 and previously at BB&T Securities from 2015 to 2020. Jones serves as a board member and trustee for several community organizations, including First Baptist Church, First Baptist Academy, AMI Kids, the Jacksonville Chamber of Commerce, and Pine Castle. 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, providing financial planning, investment consulting, and institutional fiduciary solutions through tailored, generally non-discretionary advisory relationships.