John Phillips is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill since 2015. Outside of advising, he performs freelance work as a consultant and independent contractor for transportation-related platforms. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a variety of clients, including individuals, high-net-worth clients, and institutional investors.

Tahirah Hamilton is a financial advisor with J.P. Morgan Securities in Jacksonville, FL, holding Series 63 and Series 66 credentials and 16 years of industry experience. Her prior roles include positions at Wells Fargo and Empower Retirement. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers services on a non-discretionary basis.

Justin Wroten is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. He has been with Primerica Advisors since 2003 and previously served as Vice President of Chapter from 2016 to 2017. Outside of advising, he is involved in sales of loan products and home security referrals through affiliated companies and operates Justin K. Wroten, LLC for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options in a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, maintaining a focus on percentage-based fees and ongoing manager oversight.

Sean Read is a Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2006. Over his career at Fidelity, he has held various positions including Branch Planning Consultant, Senior Portfolio Specialist, and Private Client Group Relationship Manager, gaining comprehensive experience in financial consulting and client management. Sean's approach emphasizes straightforward communication and education, enabling clients to make informed and confident decisions regarding their financial goals. Sean holds insurance licenses in Arkansas and California. He has dedicated two decades to assisting individuals and families in defining, prioritizing, and pursuing their financial objectives. Outside of his professional work, Sean's personal interests include family activities, golf, parenthood, and traveling.

Joseph Johnson is an Investment Solutions Representative III at Fidelity Investments, where he has held various roles since 2022. In his current position, he collaborates with clients to develop and implement financial plans aimed at improving their financial wellbeing. Joseph focuses on understanding clients' goals and needs to establish effective investment strategies and comprehensive financial plans. Joseph has progressed through multiple roles within Fidelity Investments, starting as an Investment Solutions Representative I in 2022, advancing to level II in 2024, and achieving his current level III status in 2026. This experience has provided him with a thorough understanding of investment solutions and client engagement. Outside of his professional responsibilities, Joseph engages in activities such as camping, fitness, gardening, hiking, music, and swimming.

Emily Davis is a Financial Consultant at Fidelity Investments, where she has been contributing since 2023. She is part of a team dedicated to providing clients with financial education and guidance aimed at fostering confidence in their financial futures. Prior to her current role, Emily held various positions within Fidelity Investments, including Planning Consultant (2022-2023), Director Retirement Planner (2021-2022), and roles in Workplace Planning and Advice from 2018 to 2021. Emily holds insurance licenses in Arkansas and California. Her professional experience encompasses working with individuals, families, and small business owners to develop customized financial plans tailored to their unique needs. Outside of her professional life, Emily enjoys spending time at the beach, boating, kayaking, socializing with friends, and caring for pets.

Joseph Powanda is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has four years of industry experience, including roles at Modera Wealth Management and Range Finance prior to joining J.P. Morgan. 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.

Anthony Cossio is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 credentials and one year of industry experience. His prior work includes roles at Fidelity Investments, JPMorgan Chase Bank, and the United States Navy. 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.

Lana Tompkins is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2024. Prior to her current role, Lana held positions in diverse fields including healthcare and entertainment. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including funds and model portfolios.

Kevin Cunningham is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to that, he was associated with Stolen Rhodes LLC from 2015 to 2018. 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 using model-based and discretionary investment strategies.

John Reitz is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 65 credential and previously worked at Florida Financial Advisors. J.P. Morgan Securities 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 applying an ESG eligibility framework in its recommendations.

Stevan Jones is a CFP® with 25 years of industry experience, currently serving as an independent branch owner and CEO of Seaside Planning & Investments since 2025. He has spent 15 years with Raymond James Financial Services Advisors, Inc. and previously worked at Wells Fargo Clearing and A.G. Edwards & Sons. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a large network of advisors with specialized programs including municipal advisory services and SIMPLE IRA employer consulting.

Ted Deliard is a financial advisor at Fidelity with four years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Fidelity, he worked at Best Buy and Orange Park High School. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm combines fundamental research with quantitative and algorithmic portfolio construction and serves in advisory roles to multiple registered investment companies and model portfolio platforms.

Alexander Israel is a financial advisor at Fidelity with Series 63 and Series 66 licenses and one year of industry experience. He has worked in various roles across sectors including tax advisory and logistics prior to joining Fidelity. Fidelity’s Strategic Advisers LLC division provides investment management and advisory services to retail and institutional clients, employing a process that integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and offering model portfolios built from a diverse range of mutual funds, ETFs, and ETPs.

A Perry Chappell is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 1996 in New York City and has experience managing individual wealth through various market cycles. His approach to wealth management emphasizes understanding clients’ individual needs and goals to develop tailored strategies. Perry holds a Bachelor of Arts degree from Vanderbilt University, a Master of Business Administration from the University of Florida, and a Master of International Management from the American Graduate School of International Management. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Carrie Stinchfield is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses with 30 years of industry experience. She has been with Raymond James & Associates since 2006. The firm oversees approximately $501 billion in assets and serves a diverse client base including individuals, institutional entities, and municipal organizations. Raymond James & Associates provides financial planning and investment consulting through various programs, combining a range of portfolio management styles with firm research and affiliated sub-advisers.

Merle Campbell is a Private Wealth Advisor with Merrill Private Wealth Management. In this role, Merle provides personalized wealth management services and guidance to clients. Merle holds the Professional Investment Advisor (PIA) designation, demonstrating expertise in investment strategies and financial planning. Merle's educational background includes a Bachelor's Degree from the University of Oklahoma, as well as a Master's Degree and a Doctorate Degree from Georgia State University.

Joseph Cusick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been involved in managing clients' wealth since 1998, focusing on providing dedicated service to support their financial needs. Joseph holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation awarded by the Certified Financial Planner Board of Standards, Inc., and is also recognized as a Personal Investment Advisor (PIA). He earned a bachelor's degree in Accounting from Villanova University and a Master of Business Administration from the University of North Florida. Additionally, Joseph is a former Certified Public Accountant. He resides in Jacksonville with his wife, Kelly, and their three children.

John Caldwell is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Joshua Diaz is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Deutsche Bank, and Jetstream Federal Credit Union. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment onboarding process.