Philip Wise is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 30 years of industry experience. He has worked at Merrill since 1996 and has spent the past 15 years at Bank of America, N.A. in Ponte Vedra Beach, 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 a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Javier Moredo Cepero is a financial advisor with Charles Schwab in Jacksonville, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2020 and previously held roles at Fidelity Brokerage Services LLC, Crowley Maritime Inc, and St. Luke's, St. Vincent's Health. Outside of his financial career, he serves in the United States Navy Reserves as a Hospital Corpsman 3rd Class. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and a centralized structure to support a large client base.

Ryan Harney is a Financial Consultant at Fidelity Investments. He has held various positions within the company, including Financial Consultant 1, Investment Consultant, Customer Relationship Manager, and Financial Representative since 2023. Ryan is licensed to provide insurance services in Arkansas and California. He focuses on helping clients overcome financial challenges, aiming to provide clarity and confidence in their financial decisions. Outside of his professional role, Ryan enjoys beach activities, outdoor adventures, scuba diving, skiing, and traveling.

Joshua Manikowski is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 7 years of industry experience. He has worked at Merrill and Bank of America since 2019 and previously at Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance Company. Outside of advising, he is the general partner and managing member of Dalinar Holdings LLC, a real estate management company. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aaron Ghelerter is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo from 2015 to 2019. He is based in Jacksonville, Florida. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Franskousky is a CFP® professional affiliated with LPL Financial, based in Ponte Vedra Beach, FL, with 24 years of industry experience. His prior experience includes roles at Morgan Stanley and Merrill. Outside of his advisory work, he is a certified family law mediator and leads divorce-related workshops and radio shows focused on divorce financial issues. 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 a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Filipina Russell is a financial advisor at Ameriprise with five years of industry experience. She holds Series 63 and Series 66 designations and has worked at Ameriprise since 2025. Prior to that, she was associated with Chris Russell & Company, PLLC for nine years and Hunter & Associates for four years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Travis Burky is currently serving as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2015, progressing through roles including Portfolio Specialist and Financial Consultant. His professional focus is on understanding clients' priorities and developing financial plans that align with their goals. Travis holds insurance licenses in Arkansas and California. Outside of his professional work, he has interests in boating, camping, fitness, playing musical instruments, music, and spending time with pets.

Corey Harris is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill and Bank of America before joining Fidelity. Outside of his advisory role, he creates content for a YouTube channel called React University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Jennifer Ferguson is a financial advisor at Wells Fargo Advisors with nine years of industry experience. She holds a Series 66 designation and has worked in various roles within Wells Fargo entities since 2014. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with an integrated approach that includes banking, lending, and trustee services.

Lauren Randle is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, she held positions at Northwestern Mutual and worked in educational roles at the University of Florida and Florida Atlantic 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Joseph Magurne is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors, utilizing internal Chief Investment Office teams and third-party managers.

Kirk Olson is a financial advisor with Osaic Wealth, Inc. in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Osaic since 2018 and was previously with Signator Investors, Inc. and Retirement Resources, where he also serves as Vice President. His professional activities include insurance brokerage, focusing on life insurance, annuities, and long-term care products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm employs advanced asset-allocation tools and offers a wide range of portfolio management options, including access to third-party managers and unified managed accounts.

Michael Degennaro is a financial advisor at Fidelity with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Merrill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a disciplined approach combining fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Nicole Di Massa is a financial advisor at Stifel with nine years of industry experience. She holds a Series 66 designation and has previously worked at Cohen & Steers Securities, Cohen & Steers Capital Management, Lord Abbett Distributor LLC, and Merrill. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group for investment analysis and asset allocation guidance.

Dennis Hoyos is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and previously worked at companies including Ttec and GuideWell. Outside of his advisory role, he is listed as president of Performance Machine Corp, a retail auto parts store, although he currently has no active duties there. 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 utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios across mutual funds, ETFs, and ETPs.

Rick Benitez is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been working at both Merrill and Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Agnes Scott is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since 1989, she has provided financial guidance to a diverse clientele including C-suite executives, entrepreneurs, physicians, and professional athletes. Agnes focuses on understanding how each client views their wealth and the opportunities associated with it. She employs an ongoing, planning-based approach to identify goals and gaps in clients’ financial lives, covering areas such as complex exit planning, tax minimization, and estate planning. Agnes collaborates with trust professionals, CPAs, and attorneys and utilizes resources from Bank of America to support clients’ residential, securities-based, commercial, and structured lending needs. Agnes holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), SE-AWMA™ from The College for Financial Planning Institutes Corp., and the Retirement Benefits Consultant designation. She is also recognized as a Portfolio Manager within the firm. Agnes earned her Bachelor's degree from the University of Phoenix and her Master's degree from the College for Financial Planning. Fluent in English and Hungarian, she is a native of Hungary and moved to the United States as a child. Outside of her professional role, Agnes maintains an active lifestyle with interests that include boating, skiing, hiking, biking, and swimming. She also enjoys visiting family in Hungary. Her personal philosophy emphasizes delivering the same dedication and passion to clients that they bring to their careers, aiming to simplify financial decisions and improve clients’ financial outlooks.

Kyle Simmons is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2025. He has progressed through various positions within Fidelity, including Investment Solutions Representative II (2024-2025), Investment Solutions Representative I (2023-2024), Retirement Representative (2022-2023), and Customer Relationship Advocate (2021-2022). In his current role, Kyle partners with clients to co-create financial plans aimed at providing confidence and trust regarding their family's financial futures. Kyle holds insurance licenses for the states of Arkansas and California. Outside of his professional career, he has personal interests in activities such as beach outings, camping, fishing, football, golf, and kayaking.

Charles Thomas is a financial advisor at Merrill with six years of industry experience and holds the Series 66 designation. He has been with Merrill since 2014 and previously worked at Publix in 2019. 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 developed by internal teams and third-party managers.