Ronald Pricenor is a CFP® with 26 years of industry experience, currently serving at Merrill and Bank of America, N.A. since 2010. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he works part-time with Uber in a non-investment capacity. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chrystal Goland is a financial advisor with LPL Financial in St. Augustine, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Prior to joining LPL in 2018, she worked at The O.N. Equity Sales Company, Ohio National Financial Services, and Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Mary Scholten is a financial advisor at Edward Jones with 11 years of industry experience. She holds the CFP® designation as well as Series 65 and Series 66 licenses. Prior to joining Edward Jones in 2022, she worked for Plante Moran financial advisors for nine years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors, offering various discretionary and non-discretionary investment strategies under a fiduciary standard.

Nicholas Colon is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the St. Augustine branch office. He joined Merrill Lynch in 2014 and specializes in working with high-net worth individuals, businesses, and families. Nicholas focuses on providing objective, custom wealth management advice centered on clients' specific goals, aiming to help them maintain focus on these priorities over the long term. He draws on his background in psychology to educate clients about the emotional aspects of investment decisions and assist them in avoiding common pitfalls. Nicholas holds a Bachelor of Science degree from the University of Central Florida. He has earned several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Outside of his professional role, Nicholas resides in Ponte Vedra, Florida. He plays lacrosse for the Jacksonville Armadillos and serves on the board of the River City Lacrosse Foundation.

Jennifer Setaro is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds the Series 66 designation and has been with UBS in various capacities since 2005. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, including fiduciary financial planning and a broad range of capital markets activities.

Andrew Burrell is a financial advisor with J.P. Morgan Securities in Saint Augustine, Florida. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., The Vanguard Group, and various customer service positions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary wealth advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

Brian Frambes is a financial advisor with Edward Jones in St. Augustine, FL, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, JP Morgan Securities, and Lincoln Financial Securities. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Deborah Lennon is a financial advisor at Edward Jones in Saint Augustine, FL, holding a Series 66 designation with nine years of industry experience. Prior to joining Edward Jones in 2017, she worked at Brooks Rehabilitation from 2012 to 2017 and operated a private practice, Deborah Lennon, OT, from 2002 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Joshua Miller is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. His work background includes roles at Bank of America, Charter Communications, Sinclair Broadcast Group, and involvement in collegiate athletics at Stetson University and Syracuse University. He serves as a board member of the T S Foundation, an organization that hosts quarterly youth football clinics in memory of a local athlete. 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 institutions.

Raymond Berger III is a financial advisor at Edward Jones in St. Augustine, FL, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2020, he worked at TIAA Bank / EverBank from 2015 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment products supported by a large network of financial advisors and branch offices across the country.

Nathaniel Nusz is a financial advisor with Merrill, holding a Series 66 designation and bringing 11 years of industry experience. He has been with Merrill since 2009 and is also associated with Bank of America, N.A. Outside of his advisory role, he owns several rental properties in Florida and Georgia. 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, and institutional investors.

Jake Burton is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He previously worked at Bank of America and Merrill from 2019 to 2023, and has experience in the automotive business through leadership roles at Jack Wilson Chevy Buick GMC and H1 Saint Augustine Motors LLC. 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. Their advisory process integrates quantitative and qualitative research with a focus on eligible strategies and includes capabilities in derivatives and commodities.

Charles Musil is a financial advisor at LPL Financial with 25 years of industry experience. He holds the Series 66 designation and has worked at firms including ARCH Global Advisors, Cadaret, Grant & Co., Inc., American Portfolios Financial Services, Inc., and Equitable Advisors. In addition to his advisory role, he is involved in non-variable insurance services. 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 range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a diverse network of over 22,800 advisors.

Brian Sharkey is a financial advisor at Equitable Advisors with 39 years of industry experience. He has held his current position since 1999 and also served at Axa Advisors, LLC from 1999 to 2020. Additionally, Sharkey is president of Executive Benefits Group, Inc., a third-party administrator specializing in non-qualified benefit plan record keeping and insurance, a role he has held since 1977. He also serves as president and director at EARC, a reinsurance firm. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing both proprietary and third-party strategies with an emphasis on customized advisory models and fiduciary services.

Cory Caplinger is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He holds the Series 66 designation and is based in St Augustine Beach, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment solutions, including managed accounts, affiliated mutual funds, and tax-efficient services, operating under a fiduciary standard.

Cindy Valentino is a financial advisor with Merrill in St. Augustine, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Merrill and Bank of America, N.A. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mark Fitzmorris is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials. His prior work includes positions at Merrill and Cuso Financial Services, and he has also been associated with Educational Community Credit Union. 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 range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

James Byrnes is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 designations. He has 37 years of industry experience, including prior roles at Eagle Strategies, NYLife Securities, and Rosenblatt Securities. In addition to his advisory work, Byrnes is also licensed as an insurance broker, selling life, disability, property and casualty, long-term care insurance, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and asset management through structured, collaborative engagements using advanced planning tools.

Jeffrey Willard is a Series 66-licensed financial advisor with Equitable Advisors in Saint Augustine, FL, where he has worked since 2000. He has 26 years of industry experience, including two decades at Axa Advisors LLC. Outside of his advisory role, he serves as a trustee for his parent's trust. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and nonprofit organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory platforms.

Emily Ogilvie is the Vice President and Executive Services Regional Leader at Fidelity Investments. In this role, she leads a team of financial professionals dedicated to supporting clients through benefits optimization. Emily has extensive experience in the financial services industry, having held several leadership positions at Fidelity Investments since 2013. Her previous roles include Regional Director of Executive Services, Regional Center Support Leader, Team Leader for Workplace Planning and Advice, Help Desk Leader, Team Leader for Investment Solutions, and various roles focused on High Net Worth clients. Prior to joining Fidelity, she worked as a Financial Representative at USAA from 2010 to 2013. Outside of her professional responsibilities, Emily enjoys activities such as family time, fitness, outdoor adventures, running, and traveling.