Matthew Jacob Sr. is a CFP® professional with 41 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2016. He has also managed Jacob & Jacob Asset Management since 1993. Jacob serves as executive director for the Liverpool Independent Foundation for Excellence and the Greater Syracuse Sports Hall of Fame, as well as a managing partner at CNY Center for Wealth Management, Financial Planning and Tax Strategies. Mass Mutual Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes ongoing, collaborative financial planning engagements and offers a range of programs including wrap and money-manager services.

Chad Dixon is a financial advisor with J.P. Morgan Securities in Saint Augustine, FL, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His prior roles include positions at Merrill, Regions Bank/Cetera, and GLP Investment Services/Asset Allocation Strategies. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Stephen Parkin is a financial advisor with Ameriprise in St. Augustine, FL, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with algorithmic tools to deliver tailored, non-discretionary advice primarily for clients maintaining assets in Ameriprise-managed accounts.

Christopher Fromm is a financial advisor with OSAIC, holding the CFP® and ChFC® designations and possessing 25 years of industry experience. He worked at Lincoln Financial Advisors Corp. for 24 years prior to joining OSAIC in 2025. He is also licensed as an insurance agent offering disability insurance, fixed and indexed annuities, long-term care insurance, premium financing, and traditional life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct customized portfolios.

Michael Holzem is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for 11 years before joining Raymond James. Outside of his advisory role, he is the owner of a marketing business, Aiple and Holzem Wealth Management, and an independent contractor through Michael A Holzem LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporate and institutional clients. The firm offers tailored, non-discretionary planning and supports advisory programs alongside municipal and public finance services.

Kent Norris is a Series 66 licensed financial advisor with Merrill, based in Saint Augustine, FL, and has three years of industry experience. His prior roles include positions at Bank of America, Scotlynn USA Division, and Florida Gulf Coast 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Benedetti is a CFP®-certified financial advisor with LPL Financial, based in St. Johns, FL. He has 30 years of industry experience and has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research.

Amy Scott is a financial advisor at Edward Jones with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Edward Jones since 1999. Based in Saint Augustine, FL, she is part of a large network of advisors serving diverse client needs. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Arthur Wampler is a financial advisor with Merrill in Saint Augustine, FL, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Merrill Lynch since 2007 and Bank of America since 2011. Outside of his advisory role, he works part-time driving a shuttle bus for Coastal Transportation. 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, and institutional investors.

Curtis Bush is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 66 designation and has worked previously at Edward Jones, Merrill, and Bank of America. Outside of his advisory work, he is also involved in music as an artist through Clayton Bush Music. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Donald Mccullough is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Raymond James & Associates since 2016 in various roles. 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 a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Benjamin Reep is a financial advisor with Ameriprise in St. Augustine, FL, holding a Series 66 designation and 14 years of industry experience. He previously worked at Edward Jones for seven years before joining Ameriprise in 2019. He is also the CEO of Concho Bolo, a business focused on managing money and tax-related distributions. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides clients with detailed retirement income planning and tax-aware withdrawal strategies. The firm’s approach includes a centralized service team that develops customized recommendations using proprietary research and tools.

Jaclyn Caruso is a financial advisor at Fidelity with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2021. Prior to that, she held positions at Lowe's Home Improvement, the University of North Florida, and Sherwin Williams. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios composed of mutual funds, ETFs, and ETPs.

Alexandra Roca Saladrigas is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and 14 years of industry experience. She has been associated with Fidelity Brokerage Services and FIDELITY Personal and Workplace Advisors for over eight years. Outside of her advisory work, she is co-owner of The Goodnight Shop, a comedy podcast based in Ocala, Florida, where she records and edits episodes. She works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Ronald Pricenor is a CFP® with 26 years of industry experience, currently serving at Merrill and Bank of America, N.A. since 2010. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he works part-time with Uber in a non-investment capacity. 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.

Chrystal Goland is a financial advisor with LPL Financial based in North Hampton, NH. She holds Series 63 and Series 66 credentials and has 18 years of industry experience. Prior to joining LPL Financial in 2018, she worked at THE O.N. Equity Sales Company and Ohio National Financial Services. She is involved with Seacoast Financial Network, a DBA for her LPL business. 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 advisory programs and financial planning services, with both discretionary and non-discretionary management options supported by research and model portfolios.

Mary Scholten is a financial advisor at Edward Jones with 11 years of industry experience. She holds the CFP® designation as well as Series 65 and Series 66 licenses. Prior to joining Edward Jones in 2022, she worked for Plante Moran financial advisors for nine years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors, offering various discretionary and non-discretionary investment strategies under a fiduciary standard.

Nicholas Colon is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the St. Augustine branch office. He joined Merrill Lynch in 2014 and specializes in working with high-net worth individuals, businesses, and families. Nicholas focuses on providing objective, custom wealth management advice centered on clients' specific goals, aiming to help them maintain focus on these priorities over the long term. He draws on his background in psychology to educate clients about the emotional aspects of investment decisions and assist them in avoiding common pitfalls. Nicholas holds a Bachelor of Science degree from the University of Central Florida. He has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional role, Nicholas resides in Ponte Vedra, Florida. He plays lacrosse for the Jacksonville Armadillos and serves on the board of the River City Lacrosse Foundation.

Jennifer Setaro is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has been with UBS in various capacities since 2005. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Brian Frambes is a financial advisor with Edward Jones in St. Augustine, FL, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, JP Morgan Securities, and Lincoln Financial Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.