Kathryn Morrish is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2013 and at Bank of America, N.A. since 2024. 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.

Simon Heaster is a Financial Advisor with Merrill Lynch Wealth Management, based in the Daytona Beach branch after beginning his career in Orlando in 2022. He applies a comprehensive approach to wealth preservation and growth, focusing on understanding and responding to his clients' individual needs and objectives. Simon provides portfolio advisory services, recommending strategies, funds, or portfolios from Merrill or approved third-party investment managers. He leverages Merrill's investment insights and the banking convenience of Bank of America to address various aspects of clients' financial lives, building customized, goal-based plans to help clients manage their wealth effectively. Simon holds a Bachelor's degree in Finance and Real Estate and a Master of Science in Finance, both from the Miami Herbert Business School at the University of Miami. He has a background in data analytics, financial analysis, and portfolio management. His professional designations include Accredited Asset Management Specialist (AAMS), Accredited Portfolio Management Advisor (APMA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Residing in Ormond Beach, Florida, Simon is involved with local charities and organizations within Volusia County and Ormond Beach. He serves as treasurer for the Volusia Young Professionals Group and is a board member of the City of Ormond Beach's Aviation Advisory Board. Outside of his professional work, Simon enjoys CrossFit, golf, fishing, flying as an FAA Certified Commercial Multi-Engine Pilot with over 700 hours of flight time, and traveling with family and friends to the Florida Keys.

Steven Pantuso is a CFP® professional with 11 years of experience in the financial services industry. He is currently with Raymond James & Associates and previously worked at Charles Schwab and TD Ameritrade. Outside of his advisory work, he maintains a personal hobby of building and repairing fishing gear. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services with a variety of portfolio management styles supported by proprietary research and model manager options.

Leslie Schilp is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and 21 years of industry experience. Her work history includes roles at Raymond James & Associates since 2018 and Charles Schwab from 2015 to 2017. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research.

David Welsh is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory services including tailored financial planning and manages approximately $2.74 trillion in client assets.

Adam Kennedy is a Certified Financial Planner® (CFP®) with 30 years of industry experience. He has been with Morgan Stanley since 2009, currently serving in their Private Bank since 2015. Kennedy is based in Ormond Beach, Florida. Outside of his advisory role, he is involved in managing several rental properties, with his wife handling day-to-day operations. Morgan Stanley Wealth Management provides a broad range of advisory programs, serving both individual and institutional clients with financial planning and investment management services. The firm employs a structured planning process supported by firm-approved tools and offers diversified investment strategies.

Nathan Handlin is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He previously worked at Edward Jones for 12 years before joining LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Jason Morgan is a Certified Financial Planner (CFP®) with 10 years of experience at Edward Jones in Ormond Beach, FL. He has been with Edward Jones since 2016. Outside of his advisory role, he owns several rental properties in Florida and Illinois. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee portfolios, tax-efficient services, and maintains affiliated capabilities such as a trust company and proprietary mutual funds.

Timothy Cawley is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He previously worked at Lincoln Financial Advisors from 2008 to 2025. Outside of advisory services, he offers fixed and indexed annuities and traditional life insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to various managed account solutions. The firm employs asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Chad Johnson is a financial advisor with Morgan Stanley in Ormond Beach, Florida, holding a Series 66 credential and 22 years of industry experience. He has been with Morgan Stanley and its affiliated private bank since 2012. Outside of his advisory role, he serves on the executive committee of the Larry and Marianne Williams Family Foundation and is a council member of the Florida State University Institute for Public Affairs in the UK. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning processes supported by proprietary tools and serves clients through both direct relationships and corporate agreements.

Jason Frederick is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2023. Prior to joining Edward Jones, he was employed at CHC Consulting Group, Family Health Source, Security First Insurance, and held positions at the University of Central Florida and Daytona State College. He serves as a trustee on the City of Ormond Beach Police Pension Trust Fund Board. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jamie Calkins, CFP®, serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2010, he has worked with individuals and businesses to support their short-term and long-term financial goals. Jamie emphasizes a personalized approach to wealth management, meeting one-on-one with clients to understand their financial situations and objectives, and developing tailored plans whether the goal is to grow, preserve, or provide income from assets. His approach is consultative and objective, beginning with listening to clients' needs, followed by recommendations aligned with their income and growth expectations. Jamie's guidance covers a broad range of financial opportunities including investments, retirement planning, estate planning, and philanthropy. He holds a bachelor's degree in Finance from Stetson University, with minors in Marketing and Management Information Systems, and maintains his professional credentials as a Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). Active in his community, Jamie has served as Past President of the Southeast Volusia Chamber of Commerce and on the City of New Smyrna Beach Planning and Zoning Board, among other roles. He participates in local organizations such as the Anglers Yacht Club and supports community initiatives including the Southeast Volusia Holiday Boat Parade. Jamie resides in New Smyrna Beach, Florida, with his wife and son, and enjoys boating, fishing, pickleball, reading, spending time with family, and surfing.

James Oldham is a financial advisor with Ameriprise in Daytona Beach, FL, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate, Ameriprise Financial Services, Inc., since 2005. Outside of his advisory role, he oversees management of office expenses and payroll through his ownership of Hoxie Management Corporation. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions, delivering retirement income recommendations through a centralized consulting team that uses research, modeling, and tax-efficiency analysis.

Brian Peterson is a financial advisor with J.P. Morgan Securities, holding Series 63, 65, and 66 designations and bringing 24 years of industry experience. His prior roles include positions at Total Retirement Solutions, LLC, Gradient Securities, LLC, and Total Retirement Security. Peterson is based in Daytona Beach Shores, Florida. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager selection, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending strategies.

Kevin Sullivan is a financial advisor at Edward Jones with seven years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Edward Jones, he was self-employed for one year and worked at Del Mar Fans & Lighting for three years. 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 and offers a range of discretionary and non-discretionary investment strategies, as well as affiliated mutual funds and tax-efficient services.

Jenna Rancourt is a financial advisor at Mass Mutual Investors Services with nine years of industry experience. She holds a Series 66 designation and has worked at several firms, including Empower Financial Services, Nationwide Investment Services Corporation, and Prudential Investment Management Services. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software tools for goal analysis and provides written recommendations within annual, collaborative planning engagements.

Sabrina Kelly is a financial advisor with Morgan Stanley in Ormond Beach, FL, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Morgan Stanley since 2013. Outside of her advisory role, she works as an independent contractor for Market Force Information, conducting mystery shopper assignments. Morgan Stanley Wealth Management provides a range of advisory services to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers its services both directly and through corporate financial planning agreements.

Colin Gray is a financial advisor with Cambridge Investment Research Advisors in Port Orange, FL, holding a Series 66 designation and 14 years of industry experience. His prior work includes roles at LPL Financial and National Planning Corporation. He is also an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals utilizing multiple custody platforms and both discretionary and non-discretionary investment strategies.

Mia Young is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She previously worked at Calhoun, Dreggors & Associates and has experience in education and supply sectors through roles at Stetson University and Sheffield Knifemaker's Supply. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that combine advisory and brokerage capabilities.

Kristy Saunders is a financial advisor at Morgan Stanley with 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.