Nicholas Grassia is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017. Outside of his advisory work, he has served as a part-time driver for ride-sharing companies Uber and Lyft. 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.

Jonathan Hart is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has previously worked at Cetera Advisors LLC, Park Avenue Securities, Guardian Life Insurance Company, and State Farm Fire and Casualty Company. He serves as a board member for The Arc Jacksonville, a charity benefiting individuals. 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 to deliver model portfolios and discretionary management.

Tucker Smoot is a financial advisor at Merrill with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Merrill since 2012 as well as Bank of America since 2014. Outside of his advisory role, he owns an LLC established to hold recreational and timber land interests in 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Casey Bulgin is a financial advisor with Raymond James & Associates in Jacksonville, FL, holding a Series 66 credential and bringing 23 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, Bulgin serves on the advisory board of Health Education To Reduce OBS and participates in the finance committee at Timuquana Country Club. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Rees Mason is a Wealth Management Advisor at Merrill Lynch Wealth Management. She works with a 38-person team that addresses the financial needs and goals of modern multigenerational families, focusing not only on financial aspects but also integrating considerations related to health, family, work, leisure, and philanthropy. Rees joined Merrill in 2012 and has expertise in areas including college education planning, divorce transition planning, family wealth management strategies, employee financial health, legacy planning, personal retirement planning, women and wealth, and tax minimization. She holds a Bachelor's Degree in Finance from Illinois State University and professional designations including Certified Divorce Financial Analyst (CDFA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). In addition to her professional work, Rees serves as a board member of the American Heart Association and has previously served on the Joffrey Ballet Auxiliary Board. Her personal interests include cooking, dancing, reading, skiing, tennis, traveling, and yoga.

Austin Stevens is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Visual Awareness Technologies and Consulting and Florida Polytechnic University. He 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 with quantitative analysis and algorithmic portfolio construction to manage diversified portfolios, including discretionary and non-discretionary advisory services.

Jose Bosque is a financial advisor with Fidelity in Jacksonville, FL, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Fidelity Brokerage Services LLC and the University of North Florida, as well as over a decade with Ultimate Rides of the SE Inc. 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 portfolios, fund advisory, and model portfolios, distinguishing itself through its use of systematic methodologies and regulatory registrations uncommon among large institutional peers.

Julio Rengifo is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Fidelity Investments since 2012 in various capacities. Outside of his advisory role, he is involved with QMIUS, an online market vendor, where he handles vendor onboarding. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its regulatory registrations and use of advanced technologies such as AI in its investment process.

David Benoit is a CFP® with 31 years of experience, currently serving at Raymond James Financial Services Advisors Inc. since 2009. He is also the President, CEO, Treasurer, and Secretary of Benoit, Chepenik & Benoit PA, a business he has been involved with since 2000. Outside of financial services, Benoit owns and operates Whistle Stop Farms, where he manages agricultural activities including hay baling and egg sales. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm employs tailored, non-discretionary planning using risk profiling and analytical modeling, and supports specialized municipal and SIMPLE IRA advisory programs.

Nicholas Buglisi is a financial advisor at UBS Financial Services with 19 years of industry experience. He has previously worked at Bank of America, Merrill, and Axa Advisors, LLC. Outside of his advisory role, he is the sole proprietor of NLB Enterprises, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Louis Smith III is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He has worked with Lincoln Financial Securities Corporation and has maintained his own business, AccountFirst, Inc., since 2003. Smith also serves as a moderator for courses at The American College. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides tailored investment strategies through multiple platforms and emphasizes both proprietary and third-party model strategies.

Jack Bayer is a financial advisor at Raymond James & Associates with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Raymond James since 2017. Prior to that, he was employed by J.P. Morgan Securities and JPMorgan Chase Bank, N.A. from 2008 to 2017. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Cameron Nash is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill Edge and Brian Gottfried and JTCC prior to joining Fidelity. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Ramesh Pudhucode is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Primerica Advisors, he worked at Primerica Financial Services, Liberty National Insurance, and held an IT position before transitioning to finance. His outside business activities include referral work for home security and automation products through Primerica affiliates. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and supports trade execution and custody with third-party firms.

Timothy Monahan is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He co-founded the Monahan & Todd Wealth Management Group in 2012, where he and his team provide customized wealth management solutions to high net worth families, professionals, and business leaders. His focus areas include retirement planning, asset preservation, and wealth transfer. Tim began his career in financial services shortly after graduating from Hampden-Sydney College in 1994, where he earned a bachelor's degree and was actively involved in leadership and volunteer roles. With over 30 years of experience in the industry, he has developed expertise in portfolio management, family wealth strategies, and philanthropic planning. He holds the CERTIFIED FINANCIAL PLANNER® certification and the Personal Investment Advisor designation. Tim resides in the Ortega neighborhood of Jacksonville with his wife and three children. He and his family are active members of St. Matthews Catholic Church. His personal interests include offshore fishing, competitive sailing, boating, cooking, football, scuba diving, traveling, and spending time with his family.

Phillip Brunson is a financial advisor at J.P. Morgan Securities in Jacksonville, FL, holding a Series 66 credential with four years of industry experience. His prior roles include positions at Hub Retirement & Wealth Management and Ameriprise Financial. He also provides administrative support to independent advisory firms such as Global Retirement Partners. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services through a process that combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework.

Brandon Cowart is a financial advisor with OSAIC based in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has held positions at Royal Alliance Associates, Inc. since 2018 and Signator Investors, Inc. from 2016 to 2018. Outside of his advisory role, he serves as CFO and agent for Retirement Resources, Inc., where he manages day-to-day operations and is involved in sales of life insurance, long-term care insurance, and fixed and indexed annuities. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that may include a range of investment vehicles.

Richard Stuart is a financial advisor at Fidelity with five years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2020. Prior to joining Fidelity, he held roles at Bass Pro Shops and Bose. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Brandon Flynn is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and 25 years of industry experience. He has been with Ameriprise since 2016. Outside of advisory services, Flynn is involved in managing multiple business entities related to real estate ownership and office operations in Jacksonville, Florida. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm's investment approach incorporates proprietary research, third-party data, and algorithmic tools, with an emphasis on tax-aware withdrawal strategies and dependable income sources.

John Dondero is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2019. He previously worked at FSC Securities Corporation from 2009 to 2019. Outside of his advisory role, Dondero is an independent insurance agent representing various companies. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using multiple custody platforms and both discretionary and non-discretionary management approaches.