Michelle Kosin is a financial advisor with Fidelity in Jacksonville, FL, holding Series 66 and Series 63 licenses and possessing six years of industry experience. Her prior work includes over a decade at Robinson Oil Corporation before joining Fidelity Brokerage LLC in 2019. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, serving a broad client base with discretionary and non-discretionary advisory solutions.

Thomas Mallard is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 11 years of industry experience. He has been with Bank of America and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), 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.

Colin Chamberlain is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 10 years of industry experience. He has been affiliated with Merrill and Bank of America since 2011. Outside of his advisory role, he is the sole owner of a rental property and operates a family-related LLC to manage child care payments. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional plans.

Jerron Goode is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Investments since 2020. Prior to his advisory role, he held positions in the food service industry and attended Florida State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Neil Powell is a financial advisor at Morgan Stanley with 26 years of industry experience. He has been with Morgan Stanley since 2009 and currently serves at Morgan Stanley Private Bank, National Association. Powell holds a Series 66 designation. He is a member of the advisory board for Palmer Catholic Academy in Ponte Vedra Beach, Florida. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured financial planning process and offers a range of investment programs supported by its Global Investment Committee.

Dana Current is a financial advisor at Merrill with 38 years of industry experience and holds Series 63 and Series 65 credentials. She has been with Merrill since 1987 and also associated with Bank of America since 2009. Outside of her advisory role, she serves as an advisory board member for the HEAL Foundation, a charitable organization in Ponte Vedra Beach, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jacqueline Peterson is a financial advisor at Fidelity with Series 66 and Series 63 credentials and four years of industry experience. She has worked at Fidelity Investments since 2021 and previously held positions at Florida State College at Jacksonville and Walmart. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a broad investable universe.

David Mcallister is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill and Bank of America since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Schreurs is a financial advisor with Fidelity in Jacksonville, FL, holding Series 66 and Series 63 licenses and 14 years of industry experience. He has been associated with various Fidelity entities since 2012, including Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC offers 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 develop model portfolios, and it holds a unique role as a registered commodity pool operator with the CFTC and advisor to multiple registered investment companies.

Garrett Curley is a financial advisor at Fidelity with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Fidelity, he worked in various roles including at Michaels Formalwear and David’s Bridal. Outside of his advisory work, he engages in vacuum repair as a personal hobby. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, supporting a range of investment strategies and maintaining oversight of sub-advisers.

David Riberon is a financial advisor at Fidelity with a Series 66 designation and 10 years of industry experience. His prior experience includes roles at Equitable Advisors and Axa Advisors LLC. Outside of the advisory business, he operated David Riberon Farms from 2011 to 2022. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across a range of funds and ETFs.

Charles Rivenbark Jr. is a financial advisor at Merrill with 11 years of industry experience. He holds Series 66 and Series 63 designations and has worked at Merrill since 2014 and Bank of America, N.A. since 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, with various portfolio implementation approaches tailored to client needs.

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.

David Holmes is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has been affiliated with various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm’s approach combines proprietary research with quantitative analysis and algorithmic portfolio construction, managing portfolios composed of mutual funds, ETFs, and ETPs.

Spencer Higgons is a Financial Consultant at Fidelity Investments, where he works collaboratively with clients to develop personalized financial plans that align with their individual goals, interests, and values. His approach centers on assisting clients in achieving their financial objectives through retirement planning, tax-efficient investing, investment strategy considerations, and income planning. Since joining Fidelity Investments in 2018, Spencer has held various roles including Planning Consultant, Workplace Planning Consultant 2, Investment Solutions Representative, High Net Worth Service Associate, and Customer Relationship Advocate. He holds insurance licenses in Arkansas and California. Outside of his professional duties, Spencer has personal interests that include boating, cars, fishing, food, kayaking, and music.

Brian Schaible is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 designations and 17 years of industry experience. He has worked with Fidelity Investments and its affiliates since 2008. Outside of his advisory role, Brian is the founder of Postgame Central, a sports reporting venture. He is associated with Strategic Advisers LLC, a Fidelity company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Heather Allen is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and over 23 years of industry experience. She has been with Merrill since 2001. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes model-based and discretionary investment strategies developed by internal teams and third-party managers.

Carrie Silva is a financial advisor at Merrill with 21 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2003, including a period at BOFA Securities, Inc. since 2019. 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.

Huston VanDoren is a Planning Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2022, progressing through positions including Investment Solutions Representative II and III. In his role, Huston partners with clients to understand their financial goals and develop customized financial plans tailored to their unique needs. He values forming strong relationships with clients and their families, emphasizing trust, reliability, and competency. Huston holds insurance licenses for Arkansas and California. Outside of his professional work, he enjoys cooking and baking, music, puzzles, and traveling.

Sean Wheelahan is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and nine years of industry experience. He has been with 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.