Kevin Koski is a financial advisor at OSAIC with 37 years of industry experience and holds Series 63 and Series 65 licenses. His prior experience includes roles at Securities America Advisors, Inc. and Investacorp Advisory Services. He also operates a separate financial advisory business, Kevin Koski Financial, providing investment and retirement advice. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services, utilizing advanced asset-allocation tools and third-party resources to manage portfolios across multiple investment types.

Jennifer Crocker is a financial advisor at Fidelity with 19 years of industry experience. She holds Series 63 and Series 66 credentials and has been affiliated with various Fidelity entities since 2006. Strategic Advisers LLC, a Fidelity Investments company, 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, and it is notable for its role as a commodity pool operator and its use of AI-driven research methods.

Travis Crawford is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Enterprise Rent-A-Car and Comcast Corporation. Strategic Advisers LLC, a Fidelity Investments company, 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 create model portfolios from mutual funds, ETFs, and ETPs.

Jason Labud is a financial advisor at Fidelity with 15 years of industry experience. He holds the Series 63 and Series 66 designations and has worked within various Fidelity entities since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a charitable gift fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop systematic model portfolios across mutual funds, ETFs, and ETPs.

Kenneth Ackis is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 designation and has been with Merrill Lynch since 2008. 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 managed by internal teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Terrance Ray is a financial advisor at Thrivent Investment Management with credentials including the Series 63 and Series 66 licenses. He has over 20 years of experience in the insurance industry, including roles at Allstate Insurance Company and Triumph Insurance Group, LLC. Outside of his advisory work, he serves as a pastor at Christ in Action International, Inc. and holds a treasurer position on a local homeowners association board. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and broad financial planning topics such as retirement, income tax, estate, and business continuation planning. The firm offers planning as a standalone service without portfolio management or institutional advisory roles, allowing clients to combine planning with managed accounts under a consolidated billing option.

Franklin Beard is a financial advisor with UBS Financial Services in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with UBS since 2002. Outside of his advisory work, he is a partner in Underbelly Productions Inc., a live music venue and hospitality business. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, utilizing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management solutions and offers a broad range of capital markets services.

Eric Steen is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the financial services industry in 2013 after spending 13 years managing a family business. Eric takes a disciplined approach to long-term wealth planning that aligns with clients' personal financial goals. He emphasizes a tactical approach supported by investment insights from Merrill and comprehensive banking and lending solutions through Bank of America. Eric's expertise covers education planning, equity compensation services, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, sports and entertainment, and retirement income. He holds professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Eric earned a bachelor's degree from Nichols College and a master's degree from the University of North Florida. Outside of his professional role, Eric is a commissioned officer in the Florida Army National Guard and an active member of that organization. He is married with three sons and enjoys sports such as baseball, basketball, football, soccer, and pickleball, in which he competes. His personal interests also include chess, cooking, hiking, traveling, watching movies, and spending time with his family.

Chase Misner is a Planning Consultant at Fidelity Investments, where he has been working since 2021. He began his career at Fidelity as a Workplace Planning Associate, progressed to Workplace Planning Consultant, and currently serves as a Regional Center Planning Consultant. In his role, Chase focuses on building personal connections with clients to understand their unique financial needs and develop tailored plans that address both immediate and long-term objectives. Chase holds insurance licenses in Arkansas and California, supporting his ability to provide comprehensive financial guidance. He emphasizes trust, integrity, and security in his approach to helping clients navigate the complexities of finance. His goal is to collaborate with clients to create a financial roadmap that aligns with their goals and fosters confidence in their financial decisions.

Edugie Ekuase is a Series 66 licensed financial advisor with J.P. Morgan Securities in Jacksonville, FL, with two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, he worked at Thrivent Investment Management. Outside of his advisory role, he has tutored finance and science courses through Varsity Tutors. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Phillip Schmidt is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill since 2002. Merrill, along 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. The firm’s portfolio implementation includes both internal Chief Investment Office models and third-party managers, with options for tax-aware strategies and customizable investment restrictions.

David Reff is a financial advisor at Fidelity with two years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Fidelity, he worked at General Assembly and International Education Corporation. He is also a Florida-registered notary public. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Griffin Van Winkle is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their priorities and develop personalized investment strategies aimed at pursuing their financial goals. Griffin provides advice on a range of matters, including general investing, retirement planning, and saving for unexpected expenses. He also offers access to Bank of America for banking and lending needs. Griffin holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation as well as the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from The Ohio State University. Griffin's professional approach centers on getting to know clients personally to help create strategies tailored to what matters most to them and their families.

Jessica Dreicer is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 65 licenses, and her prior roles include positions at Lincoln Investment, Capital Analysts, Bank of America, and Merrill. She works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services, including oversight of affiliated sub-advisers and management of registered investment companies.

Eric Terwilliger is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has held various roles at Fidelity Investments since 2019, including Regional Center Planning Consultant, Investment Solutions Representative III, Investment Consultant, Investment Solutions Representative, Premium Client Service Representative, and Client Relationship Advocate. Prior to joining Fidelity, he worked as a Personal Banker at BB&T from 2018 to 2019. Eric collaborates with clients in holistic financial planning, focusing on helping them reach their aspirations through strategies that cover saving for the future, retirement, and wealth growth. He aims to validate client concerns, celebrate accomplishments, and expand goals to co-create and implement financial plans and investment strategies. He holds insurance licenses in Arkansas and California.

Thomas Isaacs is a financial advisor with Raymond James Financial in Jacksonville, FL, holding a Series 66 license and 13 years of industry experience. His prior roles include positions at LORD ABBETT & CO. LLC and Intrepid Capital Management Inc. He is also involved as an officer and owner of Coastal Oak Wealth Advisors and TJI Wealth Management LLC, supporting marketing and payroll functions. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting supported by advanced analytical tools and also maintains notable municipal advisory and SIMPLE IRA consulting programs.

Noah Greco is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior work includes roles at Uber, Progressive Insurance Company, and the University of North Florida. 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 to manage model portfolios across a broad investable universe.

Gregg Lunsford is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 designations and 19 years of industry experience. He has been with Fidelity Investments since 2007 and also owns Lunsford Woodworks, a business manufacturing and selling wood crafts and furniture. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base including retail and institutional investors, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive roles in commodity pool operations and advisory services to multiple registered investment companies.

Jake Mchugh is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 designations and seven years of industry experience. His background includes roles at Fidelity Brokerage Services LLC and North Florida Financial Corporation, as well as five years at 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 employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary advisory services, fund advisory, and model portfolio delivery.

Thomas Debs is a financial advisor at Merrill with 19 years of industry experience. He holds Series 65, Series 63, and Series 66 designations. His work history includes roles at Bank of America, N.A. since 2015 and Merrill since 2014. 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.