David Benoit is a CFP® with 31 years of industry experience and is affiliated with Raymond James Financial Services Advisors, Inc. since 2009. He has held various roles at Benoit, Chepenik & Benoit PA, including President, CEO, Secretary, and Treasurer. Outside of financial advising, he owns and operates Whistle Stop Farms, an agricultural business where he manages 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, and institutions. The firm employs tailored, non-discretionary planning and advanced analytical tools to support client goals and sponsors a range of advisory programs.

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.

Jesus Urieta Jr. is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Fidelity Investments and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. Their approach combines quantitative asset-allocation modeling with centralized due diligence, incorporating an ESG eligibility framework when recommending strategies.

Charles Robshaw is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has worked at PFS Investments, Inc. since 2011 and Primerica Financial Services since 2010. Outside of finance, he is president of Robshaw Masonry, a construction company he has operated since 1975. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients within a wrap-fee structure.

Lenaire Jones is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds Series 63 and Series 66 certifications and has prior experience with Ally Financial, Bank of America, and Merrill Edge. Jones is based in Jacksonville, FL. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Melissa Korkes is a financial advisor with Primerica Advisors in Jacksonville, FL. She holds Series 63 and Series 65 licenses and has four years of industry experience. Her work history includes roles at PFS Investments, Mike L Wrotén Inc., and Primerica Financial Services. Outside of her advisory role, she is involved in sales of investment-related products and receives compensation related to loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices and offers model-driven investment strategies supported by third-party asset managers and custodians.

Tristan Goldman is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America/Merrill Lynch, Citi Personal Wealth Management, and Fidelity Investments. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Phyllis Levario is a financial advisor with J.P. Morgan Securities in Clearwater, FL, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked with JPMorgan Chase Bank and J.P. Morgan Securities since 2002, with a brief hiatus from 2021 to 2022. Outside of her advisory role, she operates as an independent contractor for Melaleuca, offering nutritional supplements to friends and family. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large-scale advisory operations with brokerage and investment management capabilities. The firm delivers non-discretionary asset allocation advice and customized reporting through a centralized due-diligence framework.

Tahirah Hamilton is a financial advisor with J.P. Morgan Securities in Jacksonville, FL, holding Series 63 and Series 66 credentials and 16 years of industry experience. Her prior roles include positions at Wells Fargo and Empower Retirement. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers services on a non-discretionary basis.

Justin Wroten is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Primerica Advisors since 2003 and previously served as Vice President of Chapter from 2016 to 2017. Outside of advising, he is involved in sales of loan products and home security referrals through affiliated companies and operates Justin K. Wroten, LLC for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options in a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, maintaining a focus on percentage-based fees and ongoing manager oversight.

Anthony Cossio is a financial advisor at J.P. Morgan Securities with Series 63 and Series 66 credentials and one year of industry experience. His prior work includes roles at Fidelity Investments, Wal-Mart, Amazon, and service in the United States Navy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Paul Sinofsky is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 66 designations and offering 41 years of industry experience. He has worked with Primerica Advisors since 1985 and with Primerica Financial Services since 1984. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated entities. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that employs model-driven strategies and operates at scale with thousands of advisors and billions in assets under management.

Lisa Preston is a financial advisor with Primerica Advisors based in Jacksonville, FL. She holds Series 63 and Series 65 licenses and has 10 years of industry experience. Her career includes roles at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, she is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies created by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices and offers a range of investment models including strategic, tactical, tax-managed, and income-distribution approaches.

Michael De Bellis is a ChFC® credentialed financial advisor with 26 years of industry experience. He has been with Edward Jones since 2019 and previously worked at Madison Avenue Securities, Anders & Anders Financial Group, and TIAA-CREF. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a substantial national presence with over 23,000 financial advisors.

Michael Young is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Community First Credit Union of Florida, Cuso Financial Services, Fidelity Brokerage Services, Osaic FA, Inc., and Merrill. Outside of his advisory work, he is involved with Community First Investment Services, an affiliated LPL business. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, using various advisory tools and strategies across a broad client base.

Courtnie Douglas is a CFP® professional at Edward Jones with 13 years of industry experience, all of which have been with the firm since 2013. She holds a Series 66 license and operates out of Starke, FL. Outside of her advisory role, she manages a personal Airbnb in Steinhatchee, FL. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a wide range of households and corporate accounts. The firm manages approximately $1.01 trillion in assets and is known for its extensive advisor network, broad service offerings, and affiliated investment capabilities.

Nirmal Patel is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2023. Prior to that, he spent time at Merrill and has academic experience at Florida State University and Lake Sumter State College. J.P. Morgan Securities LLC 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 in its investment approach.

Frederick Fedorowich Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He previously worked at Lincoln Financial Advisors for 15 years and at Osaic FA, Inc. for 20 years. Outside of advising, he is licensed to offer various types of insurance including disability, fixed and indexed annuities, long-term care, and traditional life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by asset-allocation tools, automated rebalancing, and access to third-party money managers and wrap programs.

Michael Cordero is a financial advisor with Primerica Advisors in Jacksonville, FL, holding a Series 65 license and 17 years of industry experience. His career includes roles at Pfs Investments Inc. and Primerica Financial Services since 2008 and 2009, respectively, alongside involvement in the education sector with Putnam and Flagler County Schools. Outside of financial advising, he owns a business unrelated to investments that involves home security and automation product referrals. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through third parties, focusing primarily on individual investors rather than institutional clients.

William Rica is a financial advisor with J.P. Morgan Securities in Jacksonville, FL, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley and GWFS Equities, Inc. He has also worked at JPMorgan Chase Bank, N.A. since 2026. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.