Joshua Hoffman is a CFP®-certified financial advisor with 11 years of industry experience, currently working at Fidelity. His prior roles include positions at Black Diamond, Regions Bank, and Morgan Stanley. He is associated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research and quantitative analysis in constructing model portfolios from mutual funds, ETFs, and ETPs using systematic methodologies.

Biron Smythe is a CFP® with 13 years of industry experience, currently serving at Charles Schwab in Jacksonville, FL. He has worked at Charles Schwab and Charles Schwab Bank since 2019, following prior roles at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services. 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. The firm offers a combination of non-discretionary and discretionary investment guidance using multi-asset model portfolios and provides integrated advisory, brokerage, custody, and cash-sweep services.

Rachael Mcclellan is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has worked in various roles including with MoneySolver DBA Tax Defense Network and Senior Health Advocates prior to joining Fidelity. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios across mutual funds, ETFs, and ETPs.

Michael Centorrino is a financial advisor with Fidelity who holds Series 63 and Series 66 licenses and has 10 years of industry experience. He has been with Fidelity and its affiliated entities since 2016 and also serves as an independent contractor acting as a FINRA non-public arbitrator. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a broad client base, including retail and institutional investors, using a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction.

Kimberly Earnhardt is a financial advisor at Raymond James & Associates with 31 years of industry experience. She holds the Series 63 and Series 65 credentials and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. She has been with Raymond James & Associates since 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charitable organizations, and governmental entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Jason St Germaine is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing financial advice and wealth management services to his clients. His role involves helping individuals and families manage their financial portfolios and plan for their financial futures. Jason's professional experience centers on financial advisory within a prominent wealth management firm. He applies his expertise to assist clients in making informed financial decisions aligned with their goals. His work includes strategies related to investment management, retirement planning, and asset allocation. Further details regarding Jason's education, credentials, personal interests, or community involvement have not been provided.

Alexander Silberman is a financial advisor at J.P. Morgan Securities LLC with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TD Securities and State Street Corporation. Outside of his advisory role, he works as an administrative assistant at Kittrich Corporation, a manufacturer of office supplies. 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 applying an ESG eligibility framework in its investment recommendations.

Matthew Van Ormer is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he leads a wealth advisory team serving individuals, families, and institutions. His primary focus is helping clients grow and preserve their wealth through personalized financial strategies tailored to their long-term goals. Matthew’s expertise includes professional investment management with allocations to private equity, hedge funds, and real assets. He also provides guidance on credit and lending needs, social security filing strategies, tax minimization, estate planning, philanthropic account options, and access to private banking services. His client focus areas include family wealth management, managing new wealth, personal retirement planning, portfolio management, and small business strategies. He holds a Bachelor’s degree from Grand Valley State University and professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Matthew is involved in his community through coaching varsity golf at Christian Unified High School and participation in organizations such as the Torrey Pines Men’s Club, Bank of America Community Volunteers, and Hope for San Diego. His personal interests include golfing, reading, rock climbing, skiing, and tennis.

Farid Damirov is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2015 and also at Bank of America, N.A. since 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Brian Mccullough is a financial advisor at Fidelity with 14 years of industry experience. He holds the Series 66 designation and has been with Fidelity Brokerage Services, LLC since 2012. Outside of advising, he owns a business involved in wholesaling and retailing houses in Jacksonville, Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Lauren Heck is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has previously worked at Goldman Sachs and Littera Education 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.

Cyle Gay is a financial advisor with Fidelity Investments in Jacksonville, FL. He holds a Series 66 designation and has been with Fidelity since 2025. Prior to joining Fidelity, he worked at Sellers & Associates, LLC and has experience in various roles including community involvement with the Greater Tampa Bay Alumni Chapter of Delta Tau Delta. Fidelity’s Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Susannah Hitson is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she was involved in content creation with LTK and has experience in entrepreneurship and small business operations, including photography and fitness instruction. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm is notable for its advisory roles with registered investment companies, use of AI-driven research methodologies, and delivery of model portfolios to intermediary platforms.

Tyler Bryant is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work background includes roles at Walmart, CVS Health, and various other companies, as well as involvement with Fat Mamaz LLC. 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, and institutional investors.

Bethany Perrotti is a financial advisor at Merrill with 27 years of industry experience. She has been with Merrill since 1994 and holds Series 63 and Series 65 designations. Outside of her advisory role, Perrotti serves as a FINRA arbitrator, working on dispute resolution. 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 and profit-sharing plans, corporations, and charitable organizations.

Kevin Lovelace is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various divisions within Fidelity since 2007. Fidelity’s Strategic Advisers LLC division provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs, and also serves as a commodity pool operator registered with the CFTC.

Marella Flynn Le Cates is a financial advisor at Merrill with 9 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. 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.

Gregory Zier is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Marcus Brooks is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked at Bank of America and has diverse work experience spanning the sports, retail, and education sectors. 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 a range of individual and institutional clients.

Bradford Carroll is a financial advisor at Fidelity with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been associated with various Fidelity entities since 2014. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, also employing AI and systematic methodologies in its investment process.