Victoria Deyo is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, where she has worked since 2014. She has 10 years of industry experience. Outside of her advisory role, she volunteers as a coordinator for Friends of Jacksonville Animals and is involved as a managing partner or owner in several non-investment ventures, including a restaurant review business and a strategic advisory firm focused on organizational effectiveness. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Erica Hayman is a financial advisor with Merrill, holding Series 66 and Series 63 designations and possessing 25 years of industry experience. Her prior roles include positions at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions from 2017 to 2022, and Bates & Company in 2016. She is based in Jacksonville, FL. 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.

Todd Perkins is a financial advisor at Ameriprise with 26 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services Inc for 12 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to produce tailored, non-discretionary recommendations.

Steven Sherman is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Merrill since 1989 and at Bank of America, N.A. since 2011. Sherman serves on the advisory board of Southern Legal Counsel, Inc., is a director for the University of North Florida Foundation, and sits on the board of the JFCS Foundation where he is involved in investment discussions. 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 institutional investors.

Courtney Schurman is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. She has been with Merrill and Bank of America N.A. since 2023. Prior to her current roles, her work history includes positions outside the financial services industry and a period at Valdosta State University. 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, and various institutional investors.

Mark Wierda Jr. is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and bringing 19 years of industry experience. He has worked at Merrill and Bank of America, N.A. 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 and profit-sharing plans, corporations, and charitable organizations.

Whitney Hastings is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 65 registrations and bringing 12 years of industry experience, all of which has been with Merrill. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Haley White is a financial advisor at Merrill with Series 66 credentials and less than one year of industry experience. Prior to joining Merrill, she worked in healthcare and education roles, including positions at ProCare Therapy, Ascension, and 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Wade Bramlitt is a financial advisor with LPL Financial in Green Cove Springs, FL, holding a Series 66 credential and 15 years of industry experience. He previously worked at Edward Jones from 2013 to 2019 and has been associated with both LPL Financial and VyStar Credit Union since 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm provides a range of advisory and brokerage services, including financial planning, advisory programs, retirement plan consulting, and uses both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Ashley Darr is a financial advisor with J.P. Morgan Securities in Venice, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at J.P. Morgan Securities and Jpmorgan Chase Bank since 2017 and previously held roles at Wells Fargo Bank and Carrabbas. 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 additional market-facing registrations and functions, delivering recommendations on a non-discretionary basis.

Susan Vail is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. Her prior work includes roles at Chick-fil-A and Piedmont Airlines. Outside of finance, she operates a news paper delivery business as an independent contractor. Merrill 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.

Michael Keller is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments and several other firms. Keller is based in Jacksonville, FL. J.P. Morgan Securities 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 support customized investment recommendations.

Tyson Rising is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 designation and 21 years of industry experience. His prior experience includes 15 years at UBS Financial Services before joining Morgan Stanley in 2025. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services through a range of offerings including Wealth Management, affiliated broker-dealer support, and specialized investment products.

Derek Joyner is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. He has been with 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Chandler Huffman is a financial advisor with Raymond James & Associates, holding a Series 66 designation and having one year of industry experience. Prior to joining Raymond James, he worked at Economic Group Pension Services for three years and has experience in tutoring and retail sectors. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutional and pension plans, and charitable organizations, offering tailored financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Jammy Michel is a Senior Financial Advisor at Merrill Lynch Wealth Management. Michel's areas of focus include family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, socially responsible and ESG investing, special needs planning strategies, sports and entertainment, and retirement income. He emphasizes a personalized approach to financial planning, working one-on-one with clients to develop strategies aligned with their long-term goals. Michel holds a high school diploma from Lake Catholic High School and a bachelor's degree from Baldwin Wallace College. He is a Personal Investment Advisor (PIA). In his personal time, Michel enjoys biking, fishing, and traveling.

James Clark is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving high-net-worth individuals, families, and small business owners, focusing on family wealth management strategies, managing new wealth, philanthropic planning, portfolio management services, special needs planning, sports and entertainment, and retirement income. His approach centers on understanding clients' life priorities and collaborating with them to create personalized financial plans that align with their goals and aspirations. Clark holds a Bachelor's Degree from Pace University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is recognized for his expertise in helping clients build, preserve, and transition wealth to the next generation through goals-based wealth management. Outside of his professional work, James Clark has personal interests that include baseball, boxing, cooking, football, golfing, hiking, ice hockey, music, spending time with his family, and traveling.

Joseph Pratt is a financial advisor at Merrill with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 1997. 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.

Thomas Sandifer is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over two decades of experience since beginning his career in 1998. Born and raised in Jacksonville, Florida, he specializes in working with high net worth individuals and families, focusing on personalized asset management strategies. His expertise includes college education planning, legacy planning, personal retirement planning, portfolio management services, socially responsible and values-based investing, as well as retirement income strategies. In addition to asset management, Thomas emphasizes insurance solutions such as life insurance, long-term care, and annuity strategies tailored to client needs. He holds the Chartered Retirement Planning Counselor (CRPC) designation awarded by The College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) credential. His educational background includes a high school diploma from Bishop Kenny High School and an associate's degree from Tallahassee Community College. Residing in Ponte Vedra Beach, Florida, Thomas lives with his wife Julie and their children, Melissa and Zachary. He supports several philanthropic organizations in North Florida, including The Child Cancer Fund, K-9s for Warriors, and The City Rescue Mission of Jacksonville. In his personal time, he enjoys boating, fishing, golfing, and traveling.

David Johnson is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Outside of advising, he is commissioned as a notary public in Florida and is involved in referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap fee structure while delegating trading responsibilities to BNY Mellon Advisors.