Anita Ripepi is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has been with 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Judith Rohlfing is a Senior Financial Advisor within Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies tailored to the unique goals of each client. Judith works closely with clients to help them pursue their long-term financial objectives through comprehensive wealth management. She holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Judith earned both her Bachelor's and Master's degrees from the University of North Florida. Her approach focuses on a thorough understanding of her clients' full financial picture to create flexible strategies aligned with changing market conditions.

Andrea Cruz is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley and Wells Fargo. Outside of her advisory role, Cruz is involved in several non-investment activities including sales positions with Mary Kay and Bag Master, and roles as a secret shopper and nanny. 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, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Joseph Budd is a financial advisor with OSAIC in St. Johns, FL, holding Series 63 and Series 66 credentials and over 33 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for 17 years before joining OSAIC in 2025. Outside of his advisory role, Budd is involved in several insurance-related businesses specializing in life, health, annuity products, and premium financing. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to construct diversified portfolios suited to clients' risk tolerance and preferences.

Erik Wehner is a CFP® professional with six years of industry experience, currently serving as an advisor at Osaic since 2025. Prior to joining Osaic, he worked for Lincoln Financial Advisors from 2020 to 2025 and has been a co-owner and tax preparer at ESP Financial Services since 2015. Outside of advisory work, he is involved in tax preparation services and holds a role as an insurance agent offering various insurance products, as well as serving as a notary public. Osaic Wealth, Inc. serves a diverse range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing various asset allocation tools and portfolio management strategies.

Daniel Johnson is a financial advisor at Thrivent Investment Management with 21 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning across a wide range of topics, with the option to combine planning with managed-account services under a consolidated billing program called WealthPlan.

Catherine Trinder Miller is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has been with Raymond James since 2015. Outside her advisory role, she serves on the Financial Services Advisory Board at the University of North Florida and the board of the Association for Corporate Growth, and she co-leads a small group focused on values-aligned investing through the nonprofit Invest For Better. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and charitable organizations. The firm offers financial planning and consulting services with a range of portfolio management styles supported by in-house research and affiliates, and it provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Natalie Haskins is a financial advisor with Edward Jones in Fleming Island, FL. She holds the Series 66 designation and has seven years of experience at Edward Jones. Prior to joining Edward Jones, she worked at Sam's St John's Seafood and Florida's First Coast YMCA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors and offers a range of advisory strategies, including both discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Samantha Mcmillan is a financial advisor with Raymond James & Associates in Ponte Vedra Beach, FL, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. Her prior work includes seven years at Wells Fargo Advisors LLC before joining Raymond James in 2016. Outside of finance, she has been involved in event production services in Jacksonville, FL, performing clerical and data entry duties. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting that generally involve non-discretionary advisory relationships supported by a range of portfolio management styles and affiliated research.

Joshua Zuckerman is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has held positions at Bank of America, Merrill, Citigroup, and JPMorgan Chase Bank. Outside of his financial advisory role, he has worked as an independent Uber driver. 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 incorporating an ESG eligibility framework in its investment recommendations.

Jenna Schultz is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has been with Merrill since 2017. Prior to Merrill, she worked at francesca's for one year. Outside of her advisory role, Jenna coaches volleyball for Duval County Public Schools in Jacksonville, Florida. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charities, offering model-based and discretionary investment strategies.

William Downen is a financial advisor at Merrill with 25 years of industry experience. He has worked at Merrill Lynch, Pierce, Fenner & Smith Inc. since 2003 and holds a Series 66 designation. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of model-based and discretionary investment strategies.

Thomas Azpiazu is a financial advisor at Merrill with 19 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2006. 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 by offering model-based and discretionary investment strategies developed by internal and third-party managers.

Allison Perkner is a Series 66 licensed advisor at Merrill with one year of industry experience. Her prior roles include positions at the University of Florida, Ruby Beach Brewing Co., Casa Marina Hotel, and Ponte Vedra High School. She has also engaged in community and nonprofit work, including with the DHE All-Star Foundation. 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.

Hayes Sperry is a financial advisor at Merrill with 12 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2017, with a brief tenure at Wells Fargo Clearing Services. Based in Jacksonville, FL, his career includes roles at Fidelity Brokerage Services as well. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Amelia Toal is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016. 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 created by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Clinton Dosio is a CFP® with 15 years of industry experience, currently advising at LPL Financial since 2019. He previously worked at USAA Financial Planning Services and USAA Financial Advisors, Inc., and has been involved in entrepreneurial ventures including Dosio Innovations and Deeply Rooted Grounds. Outside of his advisory role, he owns and instructs at Renaissance of Jiu Jitsu LLC and serves as a worship leader at Crosswater Community Church. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and advanced technologies.

Sara Fenwick is a financial advisor with Merrill in Jacksonville, FL, holding Series 66 and Series 63 licenses and 12 years of industry experience. She has been with Merrill since 2013. 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.

William Freda is a financial advisor at J.P. Morgan Securities with credentials including Series 63 and Series 66 licenses. He has been in the industry since 2025, with prior experience at Eisler Capital and Graticule Asset Management. Freda serves as a board member and Finance committee member for the Special Operator Transition Foundation, a nonprofit that helps place military veterans in private-sector jobs. J.P. Morgan Securities LLC provides institutional consulting services primarily to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Richard Altman is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 10 years of industry experience. He has worked at Merrill since 2015 and Bank of America N.A. since 2023. Outside of his advisory role, he has served as a consultant for Sports Media Technology, including contract work at the US Open Tennis Tournament. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.