William Kral is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2020 and previously spent 15 years at Dalton Agency. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Beatty is a financial advisor at Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses with 20 years of industry experience. He has worked at Bank of America N.A. and Merrill since 2014. 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.

Joshua Bailey is a financial advisor at Merrill in Jacksonville, FL, holding a Series 66 designation with three years of industry experience. His prior work includes roles at Bank of America, N.A., and involvement with the Baltimore County Board of Elections. He has also been engaged with Croustille Cafe. 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.

Jennifer Singleton is a CFP® with four years of industry experience, currently advising with Fidelity. She has worked at Fidelity Investments since 2021 and has prior experience in education and service industries, including roles at Charter Schools USA and NCS Pearson Inc. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, applying systematic methodologies and oversight controls.

Lisa Ross is a financial advisor at Fidelity with Series 63 and Series 66 credentials and five years of industry experience. She has worked at Fidelity Investments since 2020 and previously was employed at Martin J. Gottlieb Day School from 2016 to 2020. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients using a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm also serves as an adviser to multiple registered investment companies and constructs model portfolios with systematic methodologies.

Seth Tompkins is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2026. Prior to this, he served in various capacities within Fidelity, progressing from Investment Solutions Representative I in 2024 to his current position. His career also includes experience as a Customer Relationship Advocate at Fidelity Investments in 2023 and earlier roles as a Junior Financial Consultant at Florida Financial Advisors and a Member Services Intern at VyStar Credit Union. Seth holds insurance licenses in Arkansas and California. His professional focus involves partnering with clients to understand their financial goals and developing customized financial plans tailored to their needs. He emphasizes forming strong relationships with clients and maintaining trust, reliability, and competency. Outside of his professional life, Seth has interests in beach activities, fishing, football, golf, and music.

Kaigan Miller is a Financial Consultant currently working at Fidelity Investments, a position he has held since 2024. He has been active in the financial services industry since 2011, bringing over a decade of experience to his role. His career includes positions such as Investment Management Consultant II, PAS Client Management Representative, and Investment Solutions Representative at Fidelity Investments. Prior to that, he worked as a Private Client Banker at JP Morgan Chase and as a Financial Advisor at Edward Jones, as well as in life insurance brokerage at Benchmark Insurance Group. Throughout his career, Kaigan has focused on collaborating with clients to develop tailored financial strategies and holistic financial planning. He is dedicated to understanding client priorities and assisting them in pursuing their financial goals. He holds insurance licenses in Arkansas and California. Outside of his professional work, Kaigan has personal interests that include boating, fishing, football, outdoor adventures, parenthood, and pets.

Barbara Schroeder is a financial advisor at Wells Fargo Advisors with 31 years of industry experience. She holds Series 63 and Series 65 designations and has worked in various Wells Fargo entities since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

Kenneth Connolly is a financial advisor with Merrill based in Jacksonville, FL, holding a Series 66 designation and four years of industry experience. His prior work includes roles at University of North Florida and CharterSchools USA. 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, and institutional investors.

Michael Higgins is a Planning Consultant at Fidelity Investments, a position he has held since 2016. In his role, he collaborates with clients to develop financial plans tailored to their individual and family needs. He focuses on building financial plans, identifying strategies to improve those plans, and maintaining ongoing communication with clients. Michael holds insurance licenses in Arkansas and California.

Jonathan Andrews is a financial advisor at Merrill with 15 years of industry experience and holds the Series 66 designation. He has worked at Merrill since 2009 and Bank of America since 2012. Andrews serves as a board member for Riverside Presbyterian Day School in Jacksonville, Florida, where his children attend. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Hope Waggett is a financial advisor with Fidelity Investments in Jacksonville, FL, holding a Series 66 designation and five years of industry experience. Prior to her current role, she worked at Vizergy Digital Marketing for five years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver diversified model portfolios. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies and fund-of-funds.

Douglas Hawk is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 credential and 21 years of industry experience. He has been with Merrill since 2005. Outside of his advisory role, Hawk serves as the Minister of Music for New Beginnings Ministries of Jacksonville, Inc. 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.

Carole Bauman is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and 14 years of industry experience. She has worked at Bank of America N.A. and Merrill since 2012. Outside of her advisory role, she owns a small business focused on selling gifts and crafts through online and special event sales. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chris Timothy is a financial advisor at Fidelity with six years of industry experience. He holds a Series 66 designation and has worked with Fidelity Investments since 2020. Prior to his financial career, he spent eight years at Jones Technical Institute and two years at Capella University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services and managing multi-manager and fund-of-funds structures.

Kaitlyn Gurtner is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Before joining Fidelity Brokerage Services, she worked in various roles including digital design and grocery delivery. Outside of her advisory role, she engages in freelance digital design work for local businesses in Jacksonville, Florida. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with a focus on model portfolios constructed from mutual funds, ETFs, and ETPs.

Craig McPherson is a CFP® and holds a Series 66 license with 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Grew is a financial advisor at Morgan Stanley in Jacksonville, FL, holding a Series 66 designation. He joined Morgan Stanley in 2026 after five years at The Home Depot and previous roles at the University of Florida and CHEP. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Christopher Plasencia is a financial advisor with Fidelity Investments, holding Series 66 and Series 63 licenses and three years of industry experience. His prior work includes roles at ADT Solar, Momentum Solar, and a long tenure at Publix Supermarkets. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and systematic portfolio construction, employing algorithmic methods and AI in its investment process.

Ulrike Lyon is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as Treasurer for the Jewish Messianic Congregation of Jacksonville. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.