Nirmal Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2023, and previously worked at Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to develop customized recommendations.

Jessica Kates is a financial advisor at Merrill with a Series 66 designation and 16 years of experience, all with Merrill in Jacksonville, FL. She has worked at the firm since 2010. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lois Bratkovich is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial since 2019. She previously worked at H. Beck, Inc. and FSC Securities Corporation. In addition to her advisory role, she serves as a precinct committeewoman. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Raven Lowther is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Lowther worked at Clean Energy Resolutions LLC and held various positions in the food service industry. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies managed by internal CIO teams and third-party style managers for individuals, high-net-worth clients, and institutions.

James Spilman is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in Jacksonville, Florida. He has been with Merrill Lynch since 1985 and brings over 30 years of investment experience to his role. James offers clients customized wealth management advice and personalized service in areas such as retirement planning, tax minimization strategies, portfolio construction, college education planning, liquidity management, and both individual and corporate investment strategies. James holds a Bachelor's Degree in Accounting from the University of Tennessee at Martin and is a Personal Investment Advisor (PIA). His approach is grounded in understanding each client's objectives and maintaining open communication to help meet their financial goals. As he approaches his 40th anniversary with Merrill in 2025, James continues to assist clients in achieving their financial goals and objectives. Outside of his professional work, James participates in community service through volunteering with local organizations. His personal interests include baseball, basketball, biking, football, golfing, tennis, and spending time with his family.

James Williams is a financial advisor with UBS Financial Services in Jacksonville, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2019, he worked at Merrill from 2017 to 2019 and has additional experience outside finance at Integrity Transport. He is also involved with the Jacksonville Basketball Academy as a coach and trainer, providing group and private basketball training to youth. Additionally, Williams serves as an assistant basketball coach for the Junior Varsity Men's basketball team at Providence School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Christopher Bouton is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 21 years of industry experience. He has worked at Merrill since 2005. 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 and profit-sharing plans, corporations, and charitable organizations.

Norman Dsilva is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advisory work, he owns a non-investment related business, DSilva International, based in Franklin, New Hampshire. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Leon Hires is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has been with Fidelity Investments in various capacities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and employs systematic methodologies alongside AI and long-term asset allocation benchmarks.

Gavin Lyter is an Investment Solutions Representative III at Fidelity Investments. In this role, he partners with clients to understand their short- and long-term goals and helps build customized financial plans tailored to their unique needs. Gavin has been with Fidelity Investments since 2021, progressing through several roles including Customer Relationship Advocate, High Net Worth Service Associate, and Investment Solutions Representative I and II before his current position. This experience has enabled him to develop a comprehensive understanding of investment solutions and client services. Outside of his professional work, Gavin has personal interests in golf, movies, music, and traveling.

Lauren Blazejewski is a Financial Advisor at Merrill Lynch Wealth Management. She holds the designation of Chartered Retirement Planning Counselor (CRPC).

Brent Greisinger is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held positions at Kaleris, Wabtec, and GE Transportation. Outside of his advisory work, he participates in selling NFL season tickets through the ticket exchange for Packers home games. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services, fund advisory, and model portfolios, with notable use of systematic methodologies and AI-driven research.

Jesus Adkins is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles at Bank of America, Citigroup, Compass, and Fidelity Investments, as well as nine years of service in the United States Navy. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Valerie Obi is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and five years of industry experience. She has been with Fidelity Brokerage Services LLC since 2020 and joined Fidelity Investments in 2025. Prior to her current roles, she worked with Women's Entrepreneurial Opportunity in 2019. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios that incorporate mutual funds, ETFs, and ETPs.

David Aghamalian is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2012. Outside of his advisory role, he owns a boat and RV storage business in Saint Augustine, Florida. 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 Hurley is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Merrill since 1999. Outside of his advisory role, Hurley serves as a part-time office official for the Jacksonville Icemen, a minor league ice hockey team. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jerald Seebol is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at Raymond James & Associates. His prior experience includes ten years at Morgan Stanley Private Bank, National Association, and sixteen years at Morgan Stanley Smith Barney. Outside of finance, he is involved in the ByeStanDers Band as part of the Tim and Jerry Guitar Duo. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Valentine is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has been with Merrill since 2006. The firm 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 and third-party managers for a diverse range of clients including individuals, high-net-worth clients, and institutional investors.

Jeremy Shaheen is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and Bank of America. His background also includes roles outside of finance, such as involvement with ShiftGIG (BookedOut.com) and experience at the University of North Florida. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Connor Marsh is a financial advisor with OSAIC in Jacksonville, FL, holding a Series 66 designation and nine years of industry experience. He has worked at OSAIC since 2024 and previously spent seven years at Triad Advisors. Marsh is also involved with Excalibur Financial Services, where he coordinates life insurance products and assists clients with financial planning related to insurance coverage. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a focus on portfolio construction using asset-allocation tools, risk tolerance assessments, and third-party money managers.