Steven Glenn is a financial advisor with MassMutual Investors Services who holds the ChFC® designation and has 40 years of industry experience. Since 2012, he has been associated with MML Investors Services and MassMutual Life Insurance Company. Glenn serves as an adjunct professor at Florida State College and participates as a speaker at industry meetings. He is also a member of the Jacksonville Police and Fire Pension Fund Financial Investment and Advisory Committee. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships using analytical tools and offers specialized programs including divorce planning and employer-sponsored planning services.

Desiree Kallen is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 designations and 15 years of industry experience. She has worked at Bank of America and Merrill since 2015. Outside of her advisory role, she is the owner of a small business, Grind and Garnish LLC. 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 strategies tailored to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Maria Heimer is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2013. 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 and profit-sharing plans, corporations, and charitable organizations.

James Cargill is a financial advisor with UBS Financial Services in Ponte Vedra Beach, FL, holding Series 63 and Series 65 credentials and eight years of industry experience. He previously worked at Bank of America, Merrill, Bankers Life & Casualty, and Bankers Life Securities. Outside of his advisory role, Cargill is involved in live entertainment as a singer and serves as a managing member of a company that books live performance engagements. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment plans according to clients’ goals and risk tolerances.

Robert Gollnick is a financial advisor with UBS Financial Services in Ponte Vedra Beach, FL, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He previously worked at TD AMERITRADE for eight years before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and asset allocation models.

Jack Bowling is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 21 years of industry experience. He has been with Merrill since 2004. 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.

Jason Robinson is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2013. Outside of his advisory role, he is a co-owner of a rental property in Jacksonville, Florida. Merrill provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

David Ly is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services, Bank of America, and Merrill. He is based in Jacksonville, FL. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools including Monte Carlo simulations as part of its financial planning process.

Ashlee Brown is a financial advisor with J.P. Morgan Securities in Jacksonville, FL. She holds Series 66 and Series 63 licenses and has been in the industry since 2024, with prior experience at Alex Brown | Raymond James and B2americas Contracted On To Onbeat Socials. Outside of finance, she has been involved with Mad Dance Performing Arts and Rustic French Home. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its recommendations and offers a range of products through its broader broker-dealer and banking organization.

Jonathan Awad is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS since 2011 and holds Series 63 and Series 65 designations. Outside of his advisory work, he is involved in community and charitable activities, including founding Champions Life, which provides sports coaching and scholarship evaluation, and serving on the board of a homeowners association. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering a broad array of financial solutions.

Bradley Rambo is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked with Raymond James since 2012 and has been associated with Ponte Vedra Financial / Pheiff Wealth Partners since 2016 as an independent contractor. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm provides tailored non-discretionary planning and consulting using various analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Joseph Massaro III is a Series 66 credentialed financial advisor at Merrill with 23 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 1994. 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 broad range of clients including individuals, high-net-worth clients, and institutional investors.

Ulrike Aoki is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Ponte Vedra, FL. She has 27 years of industry experience, including ten years at Wells Fargo Clearing and seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Peter Campbell is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, bringing 16 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2010. Outside of his advisory role, he is the owner and managing member of Swinglab Development Group LLC, where he oversees branding, inventory, and event coordination. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Olsen is a financial advisor with Edward Jones in Ponte Vedra Beach, FL, holding CFP® and Series 66 designations and with 16 years of industry experience. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and affiliated investment options. The firm operates under a fiduciary standard and is notable for its extensive network of advisors and branch offices nationwide.

Michael Layton is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and has two years of industry experience. His prior experience includes roles at Fidelity Investments and Bank of America, N.A. He has also worked in educational and nonprofit settings, including Peace of Heart and Christ the Redeemer Church Inc. 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 plans, corporations, and charitable organizations.

Salima Morris is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her professional background includes service in the United States Navy from 2015 to 2023 and positions at FSCJ, Merrill, and Bank of America, N.A. She is also listed as a property owner outside of her advisory work, though she does not manage the property directly. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Carlos Esquivia Cruz is a financial advisor with LPL Financial in Jacksonville, FL, holding a Series 65 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Deutsche Bank and Bank of America, among other firms. Outside of his advisory roles, he is the owner of CREC Coffee Holdings LLC, a coffee shop franchise venture not yet operational. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and third-party research.

Benjamin Ritter is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with four years of industry experience. He previously worked at Rinpower for two years and Domino's Pizza for three years. 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.

Michael Fiorilli Jr. is a financial advisor with J.P. Morgan Securities in Plantation, FL, holding a Series 66 designation and bringing 13 years of industry experience. His work history includes roles at Fiorilli Consulting, Inc., J.P. Morgan Securities, JPMorgan Chase Bank, N.A., and Sunglass Hut. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.