Bonnie Rowand is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with 31 years of industry experience. She has been with Merrill since 1994. 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 plans, corporations, and charitable organizations.

Paul Brown is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Alexander Stearley is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Merrill since 2016, including its affiliate Bank of America, N.A. since 2022. 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 institutional investors.

Nancy Cosgrove is a financial advisor with Fidelity Investments, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with Fidelity and its subsidiary FIDELITY Brokerage Services LLC since 2015. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to diverse clients including retail investors, institutions, and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its roles as a commodity pool operator and adviser to multiple registered funds.

Richard Watson is a financial advisor at Fidelity with five years of industry experience. He holds Series 63 and Series 66 designations and previously worked at BYO Recreation from 2013 to 2020. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and maintains distinctive roles such as commodity pool operator registration and advisory services to multiple registered investment companies.

Gregory Mericle is a financial advisor at Merrill with 33 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999. He holds Series 63 and Series 66 licenses. 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.

Tiffany Harmer is a financial advisor with LPL Financial in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. She has worked at LPL Financial since 2023 and has a background with VyStar Credit Union, where she has been employed since 2019. 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. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management, supported by research and diverse investment strategies.

Allison Jordan is a Series 66 credentialed advisor at Merrill with 28 years of experience at the firm. She has an additional 2 years in the industry. Outside of her advisory role, she is a part owner and president of a family business that manages rental properties. 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 institutional investors.

Marc Danchak is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 designation and has worked previously at Citi Group Personal Wealth Management, Mass Mutual Investors Services, MassMutual Life Insurance Company, and New Hope Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 discretionary and non-discretionary management along with model portfolios and research from various sources.

Zachary Carter is a Series 66 licensed financial advisor with Fidelity, based in Jacksonville, FL, with three years of industry experience. His background includes roles at Fidelity Investments and entrepreneurial ventures such as Dreamfield Sports LLC and De La Vega Rum and Tapas. Carter also has experience as a college athlete with UCF Football. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it is noted for its role in managing registered investment companies and delivering model portfolios using systematic methodologies.

Victor Rivera Marrero is a Financial Consultant at Fidelity Investments, where he has been serving since 2024. Prior to this role, he held positions including Planning Consultant and Workplace Planning Consultant at Fidelity Investments from 2022 to 2024, as well as Client Relationship Advocate - Full Trader from 2020 to 2022. His professional experience encompasses financial consulting and planning, with a focus on personalized and comprehensive financial guidance tailored to clients' unique circumstances, goals, and risk tolerance. He holds insurance licenses in Arkansas and California. Outside of his professional life, Victor enjoys spending time at the beach, engaging in family activities, fishing, and swimming. He values parenthood and caring for pets.

John Brown is a financial advisor with Fidelity Investments based in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has served in various capacities within Fidelity since 2006. Outside of his advisory role, he is the sole proprietor of an outdoor adventure-based life coaching business and is actively involved as a musician and event organizer with a local band. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to offer discretionary and non-discretionary management, including fund advisory services and model portfolios.

Hunter Little Jr. is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with LPL Financial since 2004. Based in Jacksonville, FL, he has held several business names connected to his advisory work at LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm provides a range of financial planning, advisory programs, retirement consulting, and brokerage services supported by proprietary and third-party research.

Chelsey Howell is a financial advisor with Fidelity in Jacksonville, FL, holding Series 66 and Series 63 licenses and bringing two years of industry experience. Prior to joining Fidelity Investments, she held roles in various service and university settings. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing an investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to registered investment companies, and integration of AI-driven research in portfolio management.

Dawn Buchholz is a financial advisor at Morgan Stanley with 31 years of industry experience and holds the Series 66 designation. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Samuel Sirotkin is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses. He has one year of industry experience, including roles at Bank of America, Fidelity Investments, and First Franklin Financial Services. Prior to his financial services career, he was involved in education and youth programs, including positions at several schools and a junior tennis organization. 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 individual and institutional investors.

Dan Keefe is a Financial Consultant currently working at Fidelity Investments since 2022. Prior to this role, he held positions at Bank of America Merrill, including Financial Consultant from 2017 to 2022 and Financial Solutions Advisor from 2009 to 2017. He also worked as a United Kingdom Dealing Team Analyst at Merrill from 2006 to 2009. Dan holds insurance licenses in Arkansas and California. He emphasizes honesty, integrity, and a client-first approach in his work, focusing on understanding clients' financial goals and collaborating to develop plans aligned with their priorities and preferences. Outside of his professional career, Dan has interests in fitness and reading.

John Croshaw is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He collaborates with clients and their families to develop financial plans aimed at anticipating life transitions and preparing clients financially for them. His approach prioritizes client goals and aligns appropriate financial tools and resources to support their objectives. John has extensive experience in the financial services industry, having held several positions at Fidelity Investments since 2011, including Portfolio Specialist, Managed Accounts Client Management Representative, Investment Solutions Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Advisor at Merrill Lynch from 2009 to 2010. He holds insurance licenses in Arkansas and California. Outside of his professional career, John has interests in baseball, boating, football, golf, traveling, and food.

Van Tran is a Series 66-licensed financial advisor with 18 years of industry experience, currently affiliated with J.P. Morgan Securities in Jacksonville, FL. Prior to joining J.P. Morgan, Van worked at Merrill Lynch/Bank of America for eight years and is the owner of Vanovations, an event planning and floral design business. She also provides part-time office support for a tax services firm. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset allocation advice, manager searches, and customized performance reporting using a quantitative and ESG-integrated approach.

Michael Competiello is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services since 2017. Prior to that, he held positions at Ryder Transportation and GE Capital. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory solutions.