Michael Young is a financial advisor with LPL Financial and holds the Series 66 designation. He has 13 years of industry experience, including prior roles at Fidelity Brokerage Services, CUSO Financial Services, and Community First Credit Union of Florida. He is also involved with Community First Investment Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and a variety of portfolio management options.

Will Sackman is a Planning Consultant at Fidelity Investments, where he collaborates with a team to help clients develop clear and comprehensive financial plans. He focuses on understanding clients' goals, family situations, and investments to create tailored plans using Fidelity's resources and expertise. Will has held several positions at Fidelity Investments, including Relationship Manager and Financial Representative, demonstrating experience in client relationship management and financial representation. Prior to joining Fidelity, he completed a Wealth Management internship at Raymond James. He holds insurance licenses in Arkansas and California. Outside of his professional role, Will's personal interests include beach activities, boating, fitness, and golf.

Casey Carlson is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at both Merrill and Bank of America, N.A. since 2015 and 2017, respectively. 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, and institutional accounts, combining internal and third-party management approaches.

Christopher Bach is a Series 66 certified financial advisor with eight years of industry experience, currently affiliated with Merrill in Jacksonville, FL. His work history includes roles at Bank of America and Merrill, as well as positions at AAA Parking/The Four Seasons and the University of Central Florida. 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, and institutional investors, utilizing both internal and third-party management teams.

Bradley Caldwell is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and 10 years of industry experience. Prior to joining Merrill in 2019, he worked for Bridgeline Transportation from 2015 to 2019. Outside of his advisory role, Caldwell works as a transcription freelancer for Daily Transcription. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Ryan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 34 years of industry experience. His prior roles include positions at AssetMark Brokerage, Fidelity Investments, and Next Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management, financial planning, and retirement services through a multi-manager platform that includes affiliated and third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Halley Mc Kenzie is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2006. Outside of her advisory role, she is a wellness advocate for doTERRA International, LLC, where she conducts classes and product sampling, and she occasionally assists with estate sales at a local jewelry business. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Zachary Steinberg is a financial advisor with Merrill, holding a Series 66 designation and 10 years of industry experience. He has been with Bank of America and Merrill since 2015. 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.

Chase Michael is a financial advisor at Charles Schwab with seven years of industry experience. He holds Series 66 and Series 63 credentials and has worked at major firms including Fidelity Brokerage Services LLC and Wells Fargo prior to joining Charles Schwab in 2018. He has also been involved with Florida State College at Jacksonville for six years. Charles Schwab & Co., Inc. serves a large client base consisting primarily of 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 operates a primarily non-discretionary client relationship model supplemented by access to discretionary separately managed accounts, delivering investment guidance via multi-asset model portfolios and centralized custody and order-routing arrangements.

Shaun Jacobs is an Investment Consultant who focuses on helping clients develop plans to reach their financial goals. He has experience working at Fidelity Investments, where he served as a Workplace Planning Consultant from 2023 to 2025 and as a Workplace Planning Associate from 2022 to 2023. His professional background involves workplace planning and investment consulting. Outside of work, Shaun enjoys baseball, attending concerts, spending time with pets, and reading.

Christopher Lucero is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and six years of industry experience. He has been with Merrill since 2013, including through its affiliation with Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, integrating internal and third-party management teams.

Nirmal Patel is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2023, and previously worked at Merrill. 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 an ESG eligibility framework to develop customized recommendations.

Jessica Kates is a financial advisor at Merrill with a Series 66 designation and 16 years of experience, all with Merrill in Jacksonville, FL. She has worked at the firm since 2010. 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 and profit-sharing plans, corporations, and charitable organizations.

Lois Bratkovich is a CFP® with 21 years of industry experience, currently affiliated with LPL Financial since 2019. She previously worked at H. Beck, Inc. and FSC Securities Corporation. In addition to her advisory role, she serves as a precinct committeewoman. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Raven Lowther is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Lowther worked at Clean Energy Resolutions LLC and held various positions in the food service industry. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies managed by internal CIO teams and third-party style managers for individuals, high-net-worth clients, and institutions.

James Spilman is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management, based in Jacksonville, Florida. He has been with Merrill Lynch since 1985 and brings over 30 years of investment experience to his role. James offers clients customized wealth management advice and personalized service in areas such as retirement planning, tax minimization strategies, portfolio construction, college education planning, liquidity management, and both individual and corporate investment strategies. James holds a Bachelor's Degree in Accounting from the University of Tennessee at Martin and is a Personal Investment Advisor (PIA). His approach is grounded in understanding each client's objectives and maintaining open communication to help meet their financial goals. As he approaches his 40th anniversary with Merrill in 2025, James continues to assist clients in achieving their financial goals and objectives. Outside of his professional work, James participates in community service through volunteering with local organizations. His personal interests include baseball, basketball, biking, football, golfing, tennis, and spending time with his family.

James Williams is a financial advisor with UBS Financial Services in Jacksonville, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining UBS in 2019, he worked at Merrill from 2017 to 2019 and has additional experience outside finance at Integrity Transport. He is also involved with the Jacksonville Basketball Academy as a coach and trainer, providing group and private basketball training to youth. Additionally, Williams serves as an assistant basketball coach for the Junior Varsity Men's basketball team at Providence School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Christopher Bouton is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 21 years of industry experience. He has worked at Merrill since 2005. 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.

Norman Dsilva is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1993. Outside of advisory work, he owns a non-investment related business, DSilva International, based in Franklin, New Hampshire. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Kim Sage is a financial advisor at Morgan Stanley with 27 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining Morgan Stanley Smith Barney LLC in 2025. Kim 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 offers a wide range of advisory programs, including tailored financial planning and asset management, supported by firm-approved planning tools and research.