Dustin Taylor is a Series 66 credentialed financial advisor at Merrill with 14 years of industry experience. He has been with Merrill since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Byron Swartz is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. He focuses on working with clients to meet them where they are on their financial journey and help them strive for where they want to be. Byron has extensive experience in the financial services industry, having held positions at Fidelity Investments since 2013. His previous roles include Senior Portfolio Specialist from 2019 to 2022 and Portfolio Specialist from 2013 to 2019. He holds insurance licenses in both Arkansas and California.

Austin Nelson is a Series 66-licensed advisor with Merrill in Jacksonville, FL, and has 10 years of industry experience. His career includes prior roles at Bank of America and Dixon Link Capital/Belvedere Realty. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm utilizes an integrated platform that includes access to swaps, derivatives, lending, and custody services.

Vitaly Zefirov is a Senior Financial Advisor with Merrill Lynch Wealth Management, currently based in the Walnut Creek office. He began his career with Merrill Lynch Wealth Management in 2017 as a Private Wealth Associate in the Chicago office. Vitaly holds Series 7 and 66 FINRA registrations. His areas of expertise include college education planning, services for endowments, foundations, and non-profits, services for defined benefit plans, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, and retirement income. Vitaly and his team provide a range of family office–style services such as wealth management, investment advisory, retirement planning, personal banking, and philanthropic consulting. Vitaly earned both his Bachelor's degree in Marketing and his Master's degree in Finance from the University of Notre Dame. He holds multiple professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is a member of the Board of Directors for The Hofmann Foundation. Vitaly is fluent in English and Spanish. He lives in San Francisco and enjoys football, golfing, skiing, spending time with family, and traveling.

Ciara Drummond is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. She has worked at Fidelity Investments since 2021 and previously was involved in publishing through Drummond Press Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Toni Ann Weise is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work includes roles at Amazon and Starboard Logistics LLC. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional clients.

Joseph Offenberg is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Total Wine & More, Harvey's Supermarket, and Zula Surf Co. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Robert Frederick is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 16 years with the firm. He has eight years of industry experience. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, pension plans, and charitable organizations. The firm leverages its integration with Bank of America to provide access to a broad range of products and services.

Lea Hunter is a financial advisor with Raymond James Financial Services Advisors Inc. in Jacksonville, FL, holding a Series 66 designation and 24 years of industry experience. She has been with Raymond James since 2010. Outside of her advisory role, Hunter is an associate employee at Benoit, Chepenik & Benoit, P.A., where she handles various administrative and support duties. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by firm research and a broad affiliate network.

George Philhower III is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he serves as a CPR instructor for the American Heart Association, a position he has held since 2007. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Aubrey Michelson is a Financial Consultant at Fidelity Investments, a position held since 2023. Prior to this role, Aubrey worked as a Portfolio Advisory Services Relationship Manager at Fidelity Investments from 2022 to 2023 and served as an Investment Solutions Representative there from 2020 to 2022. Aubrey's earlier experience includes roles as a Registered Client Associate at UBS from 2019 to 2020 and as a Life Services Relationship Consultant at Merrill from 2018 to 2019. Aubrey holds insurance licenses in Arkansas and California. Aubrey approaches financial planning by focusing on understanding clients' priorities and needs to develop personalized financial plans aimed at achieving their goals. Outside of work, Aubrey enjoys baseball, Pilates, reading, and traveling.

Renier Rodriguez is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and nine years of industry experience. His prior roles include positions at Fidelity Investments and Bank of America, N.A., alongside previous tenure at Merrill. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Patrick Mccaskill is a Series 66 licensed financial advisor with 16 years of industry experience, currently affiliated with J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities LLC 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 when recommending investment strategies.

Brandon Kuhn is a CFP® professional with 13 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services, where he has worked since 2017, and previously worked at MetLife Securities Inc. Kuhn is also the owner of Atlantic Coast Financial LLC, an entity established to manage commissions from his investment advisory business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software and a collaborative annual planning process.

Anthony Mccaleb Edwards is a financial advisor with J.P. Morgan Securities in Jacksonville, FL. He holds Series 65 and Series 63 licenses and has three years of industry experience. Prior to joining J.P. Morgan Securities, he worked at Fidelity Brokerage Services LLC and Jpmorgan Chase Bank, N.A., among other roles. 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 investment recommendations.

Christopher Peacock is a Series 66-credentialed financial advisor with Merrill in Jacksonville, FL, where he has worked for 10 years. He has 19 years of industry experience. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies. The firm serves a broad client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Ladarris Forney is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America and Merrill. Fidelity, through its Strategic Advisers LLC subsidiary, offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.

Joshua Rosa is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, Navy Federal Credit Union, Florida State College at Jacksonville, and Baptist Medical Center. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Austin Murphy is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having seven years of industry experience. His career includes roles at Bank of America N.A., Merrill, Northwestern Mutual, Tacorita, and Sunteck Transportation Logistics Services. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Mercedes Colon is a financial advisor at Fidelity with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Fidelity Investments and its affiliated entities since 2007. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios and develops model portfolios delivered to intermediary platforms.