Keith Houghton is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and having 25 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 2000. 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.

William Shepard is a financial advisor with Raymond James & Associates in Jacksonville, FL, holding Series 63 and Series 66 licenses and eight years of industry experience. He previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Shepard is involved in several nonprofit organizations, including serving as founder and board member of the Gator Club of Jacksonville and CEO of Gateway To Hope, Inc., a nonprofit focused on feeding the hungry and assisting ex-prisoners. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and affiliated research.

Milton Durham Jr. is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Valor, Concentrix, and Kforce. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jules Abbosh III is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 16 years of industry experience. He has worked at Bank of America, N.A., and Merrill since 2010. 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 plans, corporations, and charitable organizations.

Jesus Urieta Jr. is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 credentials and one year of industry experience. He previously worked at Fidelity Investments for two years and has held various roles outside the financial industry. J.P. Morgan Securities 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.

Joseph Grayson is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 credential with 10 years of industry experience. He has been associated with both Merrill and Bank of America, N.A. since 2016. Outside of his advisory role, he is involved in family-held and business partnership ventures, including Grayson Capital Holdings LLC and SGK Capital Management, focusing on managing family assets and real estate opportunities in 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Matthew King is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and having eight years of industry experience. His work history includes roles at Fidelity Brokerage Services LLC and Fidelity Investments, as well as brief tenures at Fanatics, Southern Grounds Coffee, and the Rehoboth Beach Police Department. 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 utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and offers advisory services incorporating systematic methodologies and long-term asset allocation benchmarks.

David Mc Donough is a CFP® and holds a Series 66 license with Edward Jones in Jacksonville, FL, where he has 12 years of industry experience, all with the same firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, while operating under a fiduciary standard.

Michael Ruble is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He previously worked with BB&T Investments and BB&T Bank before joining Merrill and Bank of America in 2017. Ruble serves as an advisory committee member for the Community Foundation of Jacksonville. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Britt is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has been with Merrill since 2017 and previously attended Florida State University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Sturm is a financial advisor at Raymond James & Associates with 23 years of industry experience. Her prior roles include positions at PNC Investments, BBVA Wealth Solutions Inc., BBVA Securities Inc., BBVA Compass Insurance Agency, and COMPASS Bank. She holds Series 63 and Series 65 designations. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, utilizing a range of portfolio management styles supported by extensive research and affiliated sub-advisers.

Mason Aldrich is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked with Fidelity in multiple periods since 2015, including his current role since 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary advisory services, manages multiple registered investment companies, and utilizes systematic methodologies to construct model portfolios.

Howard Hobby is a financial advisor at Fidelity with 11 years of industry experience. He holds the Series 63 and Series 66 designations and has been associated with Fidelity Brokerage Services since 2016. 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 discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Richard C. Fannin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at UBS Financial Services Inc. for nine years before joining Wells Fargo in 2019. Outside of his advisory role, he serves as a race director for New World Sports in Jacksonville, Florida. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Brandon Smith is a financial advisor with Fidelity Investments in Jacksonville, FL, holding Series 66 and Series 63 licenses and having four years of industry experience. Prior to joining Fidelity, he worked for the City of Jacksonville and has been involved in music services through his sole proprietorship, Brandon M Smith Music LLC. He is also the vice president of Bold City Opera, a small opera company in its early formation stages. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary portfolio management, fund advisory, and model portfolio delivery.

Brad Melvin is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has nine years of industry experience. His prior firms include Truist Advisory Services, BB&T Securities, and Fidelity Brokerage Services LLC. Outside of advisory roles, he is involved with Conch House Marina Resort. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary advisory services using analytical tools and supports municipal advisory work uncommon among large institutional advisors.

Bryan Lucas is a Financial Consultant currently working at Fidelity Investments, a role he has held since 2018. Prior to this, he gained experience in various positions at Fidelity Investments including Portfolio Specialist from 2015 to 2018, and Client Management Representative and Retirement Solutions Representative between 2014 and 2015. He began his financial services career as a Financial Representative at Merrill Lynch from 2010 to 2013. Bryan holds insurance licenses in Arkansas and California. He focuses on understanding the specific objectives of his clients and their families to tailor financial planning experiences accordingly. His approach aims to help clients feel confident about every aspect of their financial picture.

Christopher Lendrum is a financial advisor with Fidelity Investments based in Jacksonville, FL. He holds the Series 66 designation and has three years of industry experience. His prior work includes roles at DoorDash and Bitcoin IRA, as well as Digital Trust. 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 combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Louis Body V is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has worked with Cetera and its affiliate Cetera Wealth Services since 2023, and has also been affiliated with Capital Financial Strategies since 2015, where he serves as CIO and financial professional. Prior to that, he was with Minnesota Life Insurance Company and Securian Financial Services from 2015 to 2023. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals of varying wealth levels, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options, financial planning, and access to third-party managers, managing over $256 billion in assets across a network of more than 10,000 advisors.

Lindzie Spencer is a financial advisor at Fidelity with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked in various capacities within Fidelity since 2014. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role in managing fund-of-funds and delivering model portfolios through systematic methodologies.