Dylan Combs is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes positions at Bank of America, N.A. and healthcare organizations such as Dedicated Senior Medical Centers of Florida and Jencare Senior Medical Centers. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mitchell Vail is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. His prior work experience includes roles at Citi and Amazon. Outside of advising, he has worked as an independent contractor delivering online food orders for DoorDash. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios composed of mutual funds, ETFs, and ETPs. The firm is noted for its registration as a commodity pool operator, advisory roles for multiple registered investment companies, and use of algorithmic methods and AI in research.

Benjamin Ratliff is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he held roles at Vero Fitness, Synchrony Financial, and Grata Software. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop and manage model portfolios across mutual funds, ETFs, and ETPs.

Timothy Hollinger is a CFP® professional with 27 years of industry experience, currently serving at LPL Financial since 2022. His prior roles include work at Principal Life Insurance Company and Principal Securities Inc. from 2016 to 2022. He also acts as a retirement plan consultant for South State Bank in Jacksonville, FL. 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. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with research and model portfolios.

Kiara Kirton is a financial advisor with Fidelity in Jacksonville, FL, holding Series 63 and Series 66 licenses and five years of industry experience. Her background includes positions at Fidelity Brokerage Services LLC and Northwestern Mutual, along with experience in catering and recreation management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment company accounts, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of model portfolios, systematic methodologies, and oversight of sub-advisers.

Mikala Michael is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Fidelity Investments and State Farm Insurance. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Jacquelyn Wicklund is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Bank of America and Merrill since 2011. Outside of her advisory role, she co-manages an online wedding ring business and is involved with a limited liability company established for that purpose. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Christopher Johnson is a financial advisor with Merrill, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Merrill since 2014 and is also affiliated with Bank of America. Outside of his advisory role, Johnson co-owns an embroidery and monogramming business with his wife and serves as a board member and coach for a local softball team. 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.

Amber Oliver is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. She previously worked at Rainmaker dba Align Wealth Management, a practice of Ameriprise Financial, for seven years and has experience at Stock Yards Bank and Trust. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers non-discretionary services through a select group of wealth advisors, applying an ESG eligibility framework in its recommendations.

Ryan Pesce is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and previously worked at Carrington Mortgage Services and TIAA Bank. Outside of his advisory role, he is a co-owner of a family rental property in Jacksonville, Florida. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for 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.

Jefry Sulbaran is a financial advisor at J.P. Morgan Securities with a Series 66 designation and approximately one year of industry experience. His prior work includes roles at Argos Wealth Management, Coastal Wealth (a Mass Mutual subsidiary), UBS, and StoneX. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Todd Caraway is an Investment Management Consultant at Fidelity Investments, where he partners with clients and Wealth Management Advisers to design, implement, and monitor investment strategies aimed at achieving long-term investment goals. He has held this role since 2018. Prior to his current position, Todd worked at Fidelity Investments as a Portfolio Specialist from 2013 to 2018 and as a Client Management Associate from 2012 to 2013. His earlier experience includes serving as Vice President of Wealth Management at TD Bank Wealth Management from 2007 to 2012 and as Vice President of Financial Services at Merrill Lynch from 1994 to 2007.

Alan Law is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Fidelity and its brokerage services since 2015. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

James Tanous is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, he worked at Kubes Enterprises Inc and has held various roles outside the financial sector. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Allison Mulgrew is a Series 66-registered financial advisor with Merrill, based in Jacksonville, FL, and has 14 years of industry experience. She has been with Merrill since 2010. Outside of her advisory role, she serves as a board member for the North Florida School for Special Education, assisting with their planned giving program. 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, retirement plans, corporations, and charitable organizations.

Stephen Foody is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Bank of America for ten years before joining Wells Fargo in 2011. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, combining proprietary research and third-party analytics with a broad selection of brokerage and advisory solutions.

Alejandro Leal is a financial advisor at Fidelity with Series 66 and Series 63 designations and four years of industry experience. His background includes roles at Fidelity Investments and the Latin American Agribusiness Development Corporation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients. The firm uses a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and fund-of-funds structures, with a focus on systematic methodologies and long-term asset allocation.

Michael Kelley is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Raymond James since 2016. Outside of his advisory work, he serves as Treasurer on the Board of Governors at Timuquana Country Club and is a board member of The Episcopal School of Jacksonville Foundation, where he oversees the Foundation’s Endowment. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and investment consulting with a broad range of portfolio management styles and affiliated research.

Aiden Anderson is a financial advisor at Fidelity with a Series 66 designation and less than one year of industry experience. Prior to joining Fidelity, he held roles at Florida State University and Christian Life School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base including retail and institutional investors, employing a systematic investment process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also serves multiple registered investment companies and offers model portfolios through Fidelity Institutional Wealth Adviser.

Kristian Lazi currently serves as an Investment Solutions Representative III at Fidelity Investments, a position held since 2026. He began his tenure with Fidelity in 2023, progressing through roles including High Net Worth Associate and Investment Solutions Representative I and II. In his professional capacity, Kristian partners with clients to understand their financial goals and develop customized financial plans. He places importance on forming strong relationships with clients and their families, emphasizing trust, reliability, and competency. Kristian holds insurance licenses in Arkansas and California. Outside of his professional responsibilities, Kristian has interests in comedy, football, and movies.