Nelob Waiz is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, Waiz held various roles including positions at the University of North Florida and Auto Import Sales 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Chambers is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Merrill since 2002 and at Bank of America, N.A. since 2011. 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 plans, corporations, and charitable organizations.

Erik Dawkins is a financial advisor with Fidelity Investments in Jacksonville, FL, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. His prior work includes eight years at Prudential Insurance Company of America and Pruco Securities, LLC. He is a managing member of Destiny Enterprises LLC, though he is not currently active in this business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various asset classes.

Shane Tschappat is a financial advisor with LPL Financial in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. His prior work includes roles at VyStar Credit Union, 121 Financial Credit Union, and Agapi Behavioral Consultants. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Kai Walker is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 designations and over 25 years of industry experience. He previously worked at Bank of America Securities and has been with Merrill in two separate periods totaling more than 28 years. Outside of his advisory role, he serves as a committee member for the Alzheimer's Association and as a personnel committee member at Neptune Baptist Church. 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 plans, corporations, and charitable organizations.

Roninna Jakway is a financial advisor with Fidelity, holding the Series 63 and Series 66 designations and bringing 11 years of industry experience. She has worked with Fidelity Brokerage Services, LLC since 2014 and with Fidelity Investments since 2025. Outside of her advisory role, she serves in several community and veterans organizations in Fernandina, Florida, including board membership for a homeowners association and officer and bookkeeping roles with the American Legion Riders Post #54. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios composed of mutual funds, ETFs, and ETPs.

Rich Rittichai is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America, N.A. since 2014. 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.

Benjamin Buchanan is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Chappell Walker Group. In this role, he supports affluent households and business owners by providing comprehensive wealth management strategies, including guidance on business owner pre- and post-liquidity event planning. Benjamin holds a bachelor's degree from Florida State University and has completed an Accredited Certificate Program from the College for Financial Planning. He holds the CERTIFIED FINANCIAL PLANNER® certification and a Personal Investment Advisor designation. His areas of expertise include family wealth management strategies, executive compensation, legacy planning, institutional consulting, personal retirement planning, and services tailored for endowments, foundations, and non-profits. Beyond his professional work, Benjamin serves on the board of Community Hospice and Palliative Care of Jacksonville. His personal interests include biking, golfing, hiking, music, skiing, spending time with his family, and traveling.

Jolynn Pratt is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2004. 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 a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Hagop Keshishian is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has worked with Wells Fargo entities since 2010. His outside activities include co-owning a residential rental property in Ormond Beach, FL. Wells Fargo Advisors provides investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, utilizing research and analytics from the Wells Fargo Investment Institute and third-party sources.

Amanda Miller is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and possessing 12 years of industry experience. She has worked with Merrill and Bank of America since 2013. 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.

Steven Rawlins Sr. is a financial advisor with Cetera who holds Series 65 and Series 66 designations and has 14 years of industry experience. He has worked at multiple firms including Avantax Investment Services and Masters, Smith & Wisby, P.A., where he serves as President of the CPA firm. He is involved in several organizations outside of his advisory work, including chairing the Advisory Council at Georgia Southern School of Accountancy and leading the National Alliance of Auto Dealers Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Benjamin Smithers is a Series 66 credentialed financial advisor with 14 years of industry experience. He has worked at UBS Financial Services since 2022, following nearly a decade at Bank of America and Merrill. Based in Jacksonville, FL, he currently serves clients through UBS’s platform. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets operations.

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.