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.

Kimani Ridley is a Financial Advisor at Merrill Lynch Wealth Management, specializing in legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. With over eight years of industry experience, Kimani focuses on delivering personalized financial guidance that combines investments, insurance, lending, and banking solutions tailored to client needs. Kimani's expertise extends to small business strategies, special needs planning, women and wealth, individual and corporate investment strategies, and retirement income. Leveraging experience from both Bank of America and Merrill Lynch, Kimani aims to simplify complex financial matters to empower clients to make informed decisions. Kimani holds a Bachelor's Degree from the College of the Holy Cross and is a Personal Investment Advisor (PIA). Outside of work, Kimani enjoys basketball, football, golfing, scuba diving, spending time with family, and traveling.

Leon Hires is a financial advisor at Fidelity with 22 years of industry experience. He holds a Series 66 designation and has been with Fidelity Investments in various capacities since 2007. 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. The firm also serves multiple registered investment companies and employs systematic methodologies alongside AI and long-term asset allocation benchmarks.

Amber Bennett is a financial advisor at Raymond James Financial with 18 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Truist Advisory Services and Bb&T Securities. In addition to her advisory role, she supports financial advisors as a registered sales assistant at Pinnacle Asset Management and The Horizon Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored non-discretionary planning and employs analytical tools to guide client decisions, while supporting a broad advisor network and integrating municipal advisory services.

Gavin Lyter is an Investment Solutions Representative III at Fidelity Investments. In this role, he partners with clients to understand their short- and long-term goals and helps build customized financial plans tailored to their unique needs. Gavin has been with Fidelity Investments since 2021, progressing through several roles including Customer Relationship Advocate, High Net Worth Service Associate, and Investment Solutions Representative I and II before his current position. This experience has enabled him to develop a comprehensive understanding of investment solutions and client services. Outside of his professional work, Gavin has personal interests in golf, movies, music, and traveling.

Steven Corrao is a financial advisor with Morgan Stanley in Ponte Vedra Beach, FL, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Bank of America, Merrill, Citigroup, and Fidelity Investments, as well as prior experience with JWB Real Estate Companies and DAT Bootcamp. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a 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 both directly and through corporate financial planning agreements.

Elizabeth Fredeking is a financial advisor with Merrill Lynch Wealth Management. She has been with Merrill since 2015 and is focused on building deep client relationships through personalized wealth management strategies. Her work includes helping clients create strategies aligned with their financial goals by understanding what matters most to them. Elizabeth provides professional advice in areas such as tax and estate needs, wealth preservation, retirement planning, and portfolio management. Her client focus areas include college education planning, corporate benefits, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. She holds the FINRA Series 7 and Series 66 registrations, as well as the Personal Investment Advisor (PIA) designation, and is registered in multiple states. She earned a bachelor's degree from the University of Cincinnati. Elizabeth also participates in community volunteering activities. Her personal interests include cooking, gardening, golfing, running, skiing, swimming, tennis, traveling, and yoga.

Frederick Fedorowich Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He previously worked at Lincoln Financial Advisors for 15 years and at Osaic FA, Inc. for 20 years. Outside of advising, he is licensed to offer various types of insurance including disability, fixed and indexed annuities, long-term care, and traditional life insurance. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services supported by asset-allocation tools, automated rebalancing, and access to third-party money managers and wrap programs.

Lauren Blazejewski is a Financial Advisor at Merrill Lynch Wealth Management. She holds the designation of Chartered Retirement Planning Counselor (CRPC).

Brent Greisinger is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held positions at Kaleris, Wabtec, and GE Transportation. Outside of his advisory work, he participates in selling NFL season tickets through the ticket exchange for Packers home games. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services, fund advisory, and model portfolios, with notable use of systematic methodologies and AI-driven research.

Jesus Adkins is a financial advisor at Merrill with Series 63 and Series 66 licenses and one year of industry experience. His prior work includes roles at Bank of America, Citigroup, Compass, and Fidelity Investments, as well as nine years of service in the United States Navy. 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.

Valerie Obi is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and five years of industry experience. She has been with Fidelity Brokerage Services LLC since 2020 and joined Fidelity Investments in 2025. Prior to her current roles, she worked with Women's Entrepreneurial Opportunity in 2019. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios that incorporate mutual funds, ETFs, and ETPs.

Stephen Young is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Merrill since 1980 and Bank of America since 2010. Outside of his advisory role, he is involved in a family business focused on the purchase and sale of residential real estate lots in Saint Augustine, Florida. 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, and institutional investors, combining internal Chief Investment Office models with third-party managers.