Michelle Chance is a financial advisor at Merrill in Orlando, FL, with 16 years at the firm and 10 years of industry experience. She holds the Series 66 designation. 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.

Diana Castaneda Cortes is a financial advisor at Merrill with two years of industry experience. She holds a Series 66 designation and has worked at Bank of America, N.A. since 2024. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional entities.

Bruce Alvarado is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America N.A., and JPMorgan Chase Bank, N.A. prior to his current role. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, and incorporates an ESG eligibility framework within a broader derivatives and commodities capabilities platform.

William Giffing is a financial advisor with Wells Fargo Clearing in Orlando, FL, holding a Series 63 designation and 27 years of industry experience. He previously worked at A. G. Edwards & Sons, Inc. for nine years before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

David Bilka is a CFP®-certified financial advisor with Raymond James Financial Services Advisors, Inc., based in Orlando, FL, and has 16 years of industry experience. He has worked with Royal Alliance Associates and currently holds teaching roles at the University of Central Florida and Lake Sumter State College. Outside of advisory work, he serves as a trustee managing personal financial responsibilities and holds a power of attorney role related to elder care for a family member. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting supported by analytical tools and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Megan Judge is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds a Series 66 designation and previously worked at Raymond James and municipal legal departments in Long Beach and New York City. She acts as a power of attorney for her mother in an investment-related capacity. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages roughly $671 billion in assets across more than 14,000 advisors and offers a range of brokerage and advisory solutions.

Kristi Glover is a Series 66-licensed advisor at J.P. Morgan Securities with three years of industry experience. She has worked at J.P. Morgan Securities since 2023 and concurrently at JPMorgan Chase Bank since 2021. Her background includes positions at Amazon.com, Trustco Bank, Michael Kors, TJX Company, Chipotle, and TUI UK. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Devin Crimzon is a financial advisor at J.P. Morgan Securities with Series 66 credentials and four years of industry experience. His work history includes roles at J.P. Morgan Securities since 2021, JPMorgan Chase Bank since 2017, and prior experience at the University of Florida and Polo Ralph Lauren. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates quantitative and qualitative research and may include ESG criteria in its recommendations.

Jeneve Dluzneski is a Financial Advisor with Merrill Lynch Wealth Management. She focuses on helping clients develop personalized financial strategies tailored to their unique ambitions and priorities. Jeneve works with clients on a range of financial planning needs, including family wealth management, legacy planning, LGBT wealth planning, liquidity management, retirement planning, portfolio management, small business strategies, women and wealth, and tax minimization. Jeneve holds a Personal Investment Advisor (PIA) designation and has completed her education with an Associate's Degree from Pasco Hernando State College and a Bachelor's Degree from the Pennsylvania State University System. She also attended the University of Utah and graduated from Viewmont High School. In her role, Jeneve serves as a resource for general investing, retirement planning, and addressing unexpected financial needs, often collaborating with specialists in banking, credit, home financing, and small business solutions. Additionally, she is a member of the American Kennel Club. Outside of her professional work, Jeneve has personal interests in antiquing, horseback riding, reading, and spending time with her family.

Jarvis Ovalles is a financial advisor with Primerica Advisors in Orlando, FL, holding Series 63 and Series 65 licenses and accumulating nine years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2016. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliates of his firm. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery investment strategies managed by unaffiliated asset managers and supports execution and custody through BNY Mellon Advisors and Pershing.

Hugo Neyra is a financial advisor at Charles Schwab with 12 years of industry experience. He holds a Series 66 designation and has worked with Charles Schwab and affiliated entities since 2013, including roles at Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a combination of advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account options. The firm provides a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and alternative investment programs.

Mylene Serrano Kalinich is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 22 years of industry experience. She has worked with Cetera and Regions Bank since 2019 and previously held roles at BB&T Securities and BB&T from 2014 to 2019. Outside of advising, she is a private banker serving high-net-worth clients and is a 50% owner of Sawtelle Development LLC, a commercial building business. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, spanning discretionary and non-discretionary strategies and includes access to third-party money managers.

Sarah Skibo is a financial advisor with Merrill in Orlando, FL, holding Series 63 and Series 65 licenses and eight years of industry experience. Her prior roles include positions at Bank of America, PNC Bank, Fifth Third Securities, and Fifth Third Bank. 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.

James Eiker is a financial advisor with LPL Financial based in Orlando, FL, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at FAIRWINDS Credit Union since 2006 and joined LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology tools and oversight of a large advisory network.

Luciano Denegri is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2018. Denegri also served on a charitable committee facilitating relationships between schools in Peru and those in the United States. 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Kyle Brennan is a financial advisor with Mass Mutual Investors Services in Orlando, FL, holding the ChFC® designation and Series 63 license. He has 24 years of industry experience, including roles at Metlife Securities and Massachusetts Mutual Life Insurance Company. Brennan is also involved in managing rental property. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, annual planning relationships and a range of investment strategies.

Gaury Rogers is a financial advisor with Morgan Stanley in Orlando, FL, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Grant Ellington is a financial advisor with Raymond James Financial in Orlando, FL, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior roles include positions at Cambridge Investment Research, New York Life Insurance Company, and NYLIFE Securities LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides non-discretionary planning using analytical tools to tailor recommendations and supports municipal and public-finance work through specialized affiliations.

Edith Lopez is a financial advisor with Wells Fargo Clearing in Winter Park, FL, holding Series 63 and Series 66 licenses and three years of industry experience. She has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, NA since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Bertrand is a financial advisor with Merrill in Clermont, FL, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Merrill and Bank of America since 2015. Outside of his advisory role, he owns Vinculum Properties LLC, a company involved in buying and selling properties. 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.