Julio Gonzalez is a financial advisor with Cambridge Investment Research Advisors in Jacksonville, FL, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. His work history includes roles at EQUIS and Ameritas Investment Corp, and he has operated independently in insurance agency activities for several years. In addition to his advisory work, he is involved in independent insurance agency operations under the SMART PRO FINANCIAL name. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services. The firm provides tailored investment strategies through various platforms and emphasizes both proprietary and third-party model strategies along with institutional resources for financial professionals.

Sabrina Carter is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of advisory work, she serves on the Advisory Board for Duval County Extension Services and is involved as an independent travel consultant and contracted personal shopper. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market simulations.

Jeremy Brown is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2005 and at Bank of America, N.A. since 2011. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple investment program strategies and integrates closely with Bank of America affiliates to support trading, lending, and capital-markets activities.

Ronald Keller is a financial advisor at Merrill with 20 years of industry experience and holds a Series 66 designation. His career includes roles at Bank of America, Empower Retirement LLC, Gwfs Equities, Inc., and multiple tenures at Merrill. 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, and institutional investors.

Devon Eberling is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, Devon works directly with clients to understand their financial priorities and develop strategies aimed at pursuing short-, mid-, and long-term goals. Devon provides ongoing advice on subjects ranging from investing and retirement planning to managing unexpected expenses, with access to additional support from Bank of America specialists in banking, credit, home financing, and small business solutions. Devon’s expertise lies in helping clients manage complex financial demands, including saving for education, home purchasing, elder care, and healthcare needs. As a Personal Investment Advisor (PIA), Devon collaborates closely with clients to define objectives and select portfolio strategies tailored to those goals, adapting recommendations as clients’ circumstances evolve. Devon holds a High School Diploma/GED from A Philip Randolph Academies of Technology.

Raymond Welch is a Financial Consultant at Fidelity Investments, where he has been working since 2023. He collaborates closely with clients across the United States, assisting them in developing and executing financial strategies tailored to their individual needs, whether they are beginning their financial planning journey or preparing for retirement. Prior to his current role, he held several positions at Fidelity Investments, including Investment Solutions Representative III, Investment Consultant, and Workplace Planning Consultant, gaining experience in various aspects of financial advisory and planning. Raymond holds insurance licenses in Arkansas and California, supporting his ability to provide a range of financial services to clients. Originally from western New York, he now resides in northern Florida. Outside of his professional work, Raymond engages in family activities, fishing, fitness, football, caring for pets, and traveling.

Cierra Knill is a financial advisor at Fidelity with Series 66 and Series 63 licenses and three years of industry experience. Her background includes roles at Fidelity Investments and diverse work history spanning education, food service, and military service in the United States Army. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves as a formal adviser to multiple registered investment companies and fund-of-funds.

Alexander Valverde is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His previous work experience includes roles at Magellan Transport Logistics and Troon. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a broad investable universe.

Lucas Freund is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His work history includes roles at Fidelity Investments since 2021, a year at Cannon Financial Strategists, Inc., and eight years of service with the Army National Guard. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios, including multi-manager funds and model portfolios built from mutual funds, ETFs, and ETPs.

Luke Elmore is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and has worked previously at Merrill, Bank of America, and JPMorgan Chase Bank, N.A. Outside of finance, he has been involved with nonprofit organizations including World of Fellowship Inc and Gospel Volunteers Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Damien Rend is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and previously worked at Citadel Tax Advisors for three years. Rend is also the single member of Rend Property Group, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and services supported by a large national network of financial advisors and branch offices.

Chris Prince is a Planning Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he served as a Workplace Planning Consultant with the same company from 2023 to 2026. In his current position, Chris works closely with clients to develop financial plans that align with their goals, priorities, and family needs. His approach involves understanding what matters most to each client and providing ongoing guidance through various life stages. He helps clients adjust their financial plans as their needs, goals, and circumstances change over time. Outside of his professional work, Chris enjoys cooking and baking, outdoor adventures, soccer, surfing, and traveling.

Kevin Salkey is a Financial Consultant currently working at Fidelity Investments since 2022. He has over a decade of experience in the financial services industry, having held roles including Financial Solutions Advisor and Vice President at Merrill from 2016 to 2022, Private Client Advisor at J.P. Morgan from 2015 to 2016, and Financial Solutions Advisor at Merrill from 2011 to 2015. As a Certified Financial Planner, Kevin focuses on understanding each client's unique goals and crafting personalized financial strategies. He emphasizes empathy, transparency, and creating a welcoming environment to support clients in making confident financial decisions. He is committed to continuous learning to provide insightful guidance. No information regarding his education, credentials beyond CFP, personal interests, or community involvement was provided.

Greyson Iszler is a Planning Consultant at Fidelity Investments. He provides financial planning and investment guidance to clients. Prior to his current role, Greyson worked at Fidelity Investments as a Workplace Planning Consultant from 2022 to 2026 and as a Customer Relationship Advocate from 2021 to 2022. He holds insurance licenses in Arkansas (AR) and California (CA). Outside of his professional work, Greyson enjoys baseball, football, golf, snowboarding, and traveling.

Billy Tomlinson is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Fidelity Investments and various positions outside finance, including in the food and service industries. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment services combined with centralized custody and integrated operational support.

Samantha Vadnais is a financial advisor at Merrill with a Series 66 designation and 11 years of experience, all with Merrill 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 investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Stevens is a financial advisor with Fidelity Investments in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Fidelity, he worked at MoneySolver and has experience in content creation through a YouTube channel and Twitch livestreaming. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, combining proprietary fundamental research with quantitative analysis and systematic portfolio construction. The firm serves a diverse client base and is noted for its use of algorithmic methods and AI in its investment process.

Derek Elftmann is a financial advisor with Ameriprise in Jacksonville, FL, holding a Series 66 designation and 23 years of industry experience. He has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2002. Outside of his advisory role, he serves as President of the Christ the King Athletic Association and is an athletic coach at Fletcher High School. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing tailored, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Michael Brady is a Series 66–registered financial advisor with Merrill in Jacksonville, FL. He has seven years of industry experience, having worked at Bank of America and Merrill since 2019 and previously at Paya Services from 2013 to 2018. 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.

Kyle Austin is a financial advisor with Fidelity Investments in Jacksonville, FL, holding a Series 66 designation and with two years of industry experience. His prior roles include positions at TEKSYSTEMS Inc, Enterprise Holdings, and Milam Howard Nicandri Gillam & Renner. Outside of his advisory work, he engages in wood burning art, creating designs by burning patterns into wood. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm serves a broad client base including charitable funds and registered investment companies, and utilizes systematic methodologies and oversight controls in its model portfolios.