Andrew Welch is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Fidelity Investments. His background also includes roles outside the financial sector, such as positions at the USDA Farm Service Agency and The University of Southern Mississippi. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery conversations and proprietary tools, and it manages approximately $2.74 trillion in client assets.

Bradley Jordan is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has been with Merrill since 2013. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alfredo Howard is an Investment Solutions Representative III at Fidelity Investments. In his current role, he partners with clients to develop customized financial plans tailored to their individual needs. He leverages Fidelity's resources, tools, and strategies to support clients in working towards their personal goals and securing the financial future of themselves and their families. Alfredo's experience at Fidelity spans several roles, beginning as a Customer Relationship Advocate from 2022 to 2024, followed by progressive positions as Investment Solutions Representative I and II before attaining his current role in 2026. This progression reflects his growing expertise in investment solutions and client support. Outside of his professional activities, Alfredo enjoys gardening, hiking, and reading.

Kasey Lyons is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. Prior to joining Fidelity Investments, Lyons worked in retail and education roles including positions at Academy Sports and Florida State College at Jacksonville. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic methods to construct model portfolios across mutual funds, ETFs, and ETPs.

Ami Mcgowan is a financial advisor with Merrill in Ponte Vedra Beach, FL, holding Series 63 and Series 66 designations and has 27 years of industry experience. She has been with Merrill since 2009. 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 developed by internal and third-party managers and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Buckley is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and 13 years of industry experience. He has been with Merrill since 2013. 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.

Andrew Nitti is a financial advisor at Wells Fargo Clearing with one year of industry experience. His work history includes several years at Publix Super Markets and Mainland High School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Heykens is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and one year of industry experience. His prior work includes positions at the University of North Florida, MWR Mayport, and Florida State University. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm uses a variety of third-party programs and discretionary management models to serve a diverse client base.

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.