Byron Swartz is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. He focuses on working with clients to meet them where they are on their financial journey and help them strive for where they want to be. Byron has extensive experience in the financial services industry, having held positions at Fidelity Investments since 2013. His previous roles include Senior Portfolio Specialist from 2019 to 2022 and Portfolio Specialist from 2013 to 2019. He holds insurance licenses in both Arkansas and California.

Austin Nelson is a Series 66-licensed financial advisor with Merrill, based in Jacksonville, FL, and has 10 years of industry experience. His career includes previous roles at Bank of America and Dixon Link Capital/Belvedere Realty. He has been with Merrill since 2014, with a brief interval at another firm. 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 plans, corporations, and charitable organizations.

Vitaly Zefirov is a Senior Financial Advisor with Merrill Lynch Wealth Management, currently based in the Walnut Creek office. He began his career with Merrill Lynch Wealth Management in 2017 as a Private Wealth Associate in the Chicago office. Vitaly holds Series 7 and 66 FINRA registrations. His areas of expertise include college education planning, services for endowments, foundations, and non-profits, services for defined benefit plans, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, women and wealth, sports and entertainment, and retirement income. Vitaly and his team provide a range of family office–style services such as wealth management, investment advisory, retirement planning, personal banking, and philanthropic consulting. Vitaly earned both his Bachelor's degree in Marketing and his Master's degree in Finance from the University of Notre Dame. He holds multiple professional designations, including Certified Divorce Financial Analyst (CDFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is a member of the Board of Directors for The Hofmann Foundation. Vitaly is fluent in English and Spanish. He lives in San Francisco and enjoys football, golfing, skiing, spending time with family, and traveling.

Ciara Drummond is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. She has worked at Fidelity Investments since 2021 and previously was involved in publishing through Drummond Press Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Toni Ann Weise is a financial advisor with Merrill in Jacksonville, FL, holding a Series 66 designation and two years of industry experience. Her prior work includes roles at Amazon and Starboard Logistics LLC, as well as experience in education and retail. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Offenberg is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. His prior work includes roles at Total Wine & More, Harvey's Supermarket, and Zula Surf Co. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to multiple registered investment companies and fund-of-funds.

Melissa Bailey is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 designation and bringing 18 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Hannah Hamm is a financial advisor at Fidelity with three years of industry experience. She holds Series 63 and Series 66 licenses. Prior to joining Fidelity, she was involved with SoToSpeakArt and held positions at the University of North Florida, Florida State College at Jacksonville, Publix, and Son Light Academy. 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 combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and discretionary management across a broad range of investment vehicles.

Robert Frederick is a financial advisor at Merrill with 16 years of experience at the firm and 8 years in the industry. He holds a Series 66 designation and is based in Jacksonville, FL. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lea Hunter is a Series 66-licensed financial advisor with Raymond James Financial, based in Jacksonville, FL, and has 24 years of industry experience. She has been with Raymond James Financial Services since 2010 and Raymond James Financial Services Advisors Inc. since 2013. Outside of her advisory role, she works as an associate at Benoit, Chepenik & Benoit, P.A., where she performs administrative and support duties unrelated to investment management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting services using risk profiling and modeling tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

George Philhower III is a financial advisor with Merrill in Jacksonville, Florida, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill and Bank of America since 2014. Outside of his advisory role, he has served as a CPR instructor for the American Heart Association since 2007. 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 designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aubrey Michelson is a Financial Consultant at Fidelity Investments, a position held since 2023. Prior to this role, Aubrey worked as a Portfolio Advisory Services Relationship Manager at Fidelity Investments from 2022 to 2023 and served as an Investment Solutions Representative there from 2020 to 2022. Aubrey's earlier experience includes roles as a Registered Client Associate at UBS from 2019 to 2020 and as a Life Services Relationship Consultant at Merrill from 2018 to 2019. Aubrey holds insurance licenses in Arkansas and California. Aubrey approaches financial planning by focusing on understanding clients' priorities and needs to develop personalized financial plans aimed at achieving their goals. Outside of work, Aubrey enjoys baseball, Pilates, reading, and traveling.

Lisa Badder is a financial advisor with Equitable Advisors in Jacksonville, FL, holding a Series 66 designation and 26 years of industry experience. She has worked with Equitable Advisors since 2014 and was previously with AXA Advisors, LLC. during the same period. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Renier Rodriguez is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes multiple roles at Merrill since 2014, along with positions at Fidelity Investments and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Mccaskill is a Series 66 licensed financial advisor with 16 years of industry experience, currently affiliated with J.P. Morgan Securities. He has worked at J.P. Morgan Securities since 2012 and at JPMorgan Chase Bank, N.A. since 2018. J.P. Morgan Securities LLC 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.

Rebecca Bliss is a financial advisor with Morgan Stanley in Jacksonville, FL, holding a Series 66 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Mary Ritter is a financial advisor at Edward Jones in Jacksonville, FL. She holds the Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, she worked in educational roles within the Diocese of St. Augustine and at Lakewood Presbyterian Preschool. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Anthony Mccaleb Edwards is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing three years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and JPMorgan Chase Bank, N.A. Outside of his advisory work, his background includes various roles in service and management sectors, such as valet parking services and hospitality. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan financial organization.

Christopher Peacock is a Series 66-licensed financial advisor with Merrill in Jacksonville, FL, where he has worked since 2016. He has 19 years of industry experience. 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.

Ladarris Forney is a financial advisor at Fidelity with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America and Merrill. Fidelity, through its Strategic Advisers LLC subsidiary, offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs.