Robert Graham is a financial advisor with Cetera who holds Series 65 and Series 63 credentials and has 21 years of industry experience. He has worked at Capital Financial Strategies since 2016 and is the owner of Graham Family Farms, LLC, a pine tree farming business. Graham also holds a fixed insurance agent/broker position. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors.

Robert Morris is a financial advisor with Merrill in Jacksonville, Florida, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2006. Outside of his advisory role, he owns and operates Cowford Fabrication Company, a metal fabrication business specializing in metal artwork and custom signs. Merrill serves a diverse client base, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs and discretionary portfolio management. The firm integrates with Bank of America affiliates and emphasizes manager selection and tax-efficient investment strategies.

Alexander Zehner is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. He has been with Merrill since 2018 and previously worked at Enterprise Holdings for three years. Based in Jacksonville, Florida, he provides advisory services within Merrill’s institutional framework. Merrill, together with its affiliate Managed Account Advisors LLC, delivers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christina Liza is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at both Bank of America, N.A., and Merrill 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Duncan is a financial advisor with Fidelity, holding a Series 66 designation and 18 years of industry experience. He has been affiliated with various Fidelity entities since 2010, including Fidelity Brokerage Services LLC, Fidelity Personal and Workplace Advisors, and Fidelity Investments. Strategic Advisers LLC, a Fidelity Investments company where he operates, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs, with formal advisory roles and regulatory registrations that distinguish it among institutional peers.

David Fieber is a CFP® and ChFC® with 11 years of experience in the financial industry. He has been with Edward Jones since 2014. Outside of his advisory role, he is president and secretary of Fieber Enterprises in Saint Augustine, FL. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and maintaining a large national network of financial advisors and branch offices.

Shelby Burke is a financial advisor at Raymond James & Associates with seven years of industry experience. Holding a Series 66 credential, Burke has worked at Raymond James since 2019, following roles at Securities Service Network and Webbert Financial Planning. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that are generally non-discretionary, supported by a range of portfolio management styles and firm research.

Emily Box is a financial advisor at Merrill with seven years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she worked at First Coast News and WUFT PBS. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Justin Dolan is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 66 designation and previously worked at J.W. Cole Advisors, J.W. Cole Financial, LPL Financial, and Cetera Advisors. Dolan serves on several nonprofit and community boards, including Home Again Saint Johns County, YMCA, and Wildflower Healthcare St. Johns County, and participates in advisory roles at Flagler College and EPIC. Charles Schwab 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios, centralized operations, and a formalized alternative-investment process.

Bonnie Faherty is a financial advisor at LPL Financial with 29 years of industry experience. She holds Series 63 and Series 65 designations and has been with LPL Financial since 2010. Faherty also has involvement with the Dawn Chambers Agency Inc, focusing on fixed insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Sean Kernohan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked at Merrill since 2014 and Bank of America, N.A. since 2017. Outside of advising, he owns Beloved Saint Studio, a graphic design and media company offering services such as online graphics, website creation, photography, and videography. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies supported by internal and third-party managers.

Robert Winsor Jr. is a CFP® professional with five years of industry experience, currently affiliated with Mass Mutual Investors Services. His prior experience includes roles at Guardian Life Insurance Company, Park Avenue Securities, and Bloomberg LP. He is a partner and owner of RHEI Private Client Group, LLC, an entity used for pass-through compensation. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, providing collaborative, annual planning engagements using firm-approved analytical tools.

Willie Arrington II is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and with 25 years of industry experience. He has been with Merrill since 2000. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joshua Scott is a financial advisor with Merrill holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Merrill, he held various roles across multiple industries including healthcare and hospitality. 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.

Spencer Merriam is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2014 and became part of the Merriam Team in 2015. In his role, he advises clients by implementing tailored strategies aimed at achieving their long- and short-term financial goals. He also oversees portfolio changes for the team and conducts investment research to support portfolio decisions. Spencer holds a Bachelor's degree in Finance from the University of North Florida and a Master's degree in Finance from Florida State University. He has earned professional designations including Accredited Asset Management Specialist (AAMS), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional work, Spencer enjoys playing golf and tennis. He is an active volunteer with the local Jacksonville Gator Bowl Charity Club and is a member of the Bowden Society at Florida State University.

Daryle Barnard is a financial advisor with Merrill, holding a Series 66 designation and 18 years of industry experience. He has worked at Merrill since 2007 and Bank of America, N.A. since 2011. Outside of his advisory role, Barnard is a general partner and managing member of Casual Evangelization, a digital platform providing spiritual and religious content. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joshua Fitzgerald is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2017. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies designed by internal investment teams and third-party managers for a range of clients including individuals, high-net-worth clients, and institutions.

Bradford Price is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2011. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lance Lichorat is a financial advisor with MassMutual Investors Services in Ponte Vedra, FL, holding Series 63 and Series 65 licenses with 15 years of industry experience. His career includes roles at MassMutual Life Insurance Company since 2016 and METLIFE Securities from 2011 to 2017. Outside of his advisory role, he owns 3S Wealth LLC and works as an insurance agent specializing in dental, disability income, life, accident, and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and programs, including recent additions such as Divorce Planning and employer-sponsored planning services.

Joseph Harris III is a Series 66 licensed financial advisor with Merrill in Jacksonville, FL, where he has worked since 2010. He has 16 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.