Luis Salmeron is a financial advisor with Primerica Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities, as well as longstanding service with Primerica Financial Services since 2000. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selected separately managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers for its investment models.

Joseph Melhado is a Series 66 licensed financial advisor with Equitable Advisors in Jacksonville, FL, and has two years of industry experience. Prior to joining Equitable Advisors, he held positions at the University of Florida, Broward College, and Stranahan High School. He is also the owner of KAPITAL NETWORK LLC, where he oversees all business operations. Equitable Advisors serves individual, institutional, and retirement plan clients by providing financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models, including third-party sponsors and discretionary management within its SAM program, and offers clients access to a variety of investment products and ERISA fiduciary services.

Cynthia Frazier is a financial advisor at LPL Financial with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with LPL Financial since 2014. Additionally, she has a long-standing role at VyStar Credit Union since 2001. LPL Financial serves a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations, offering diverse advisory programs and financial planning services through a national network of investment adviser representatives.

Justin Daniels is a financial advisor with Merrill in Jacksonville, FL, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at Merrill since 2019 and at Bank of America, N.A. since 2022. Prior to joining Merrill, he was employed by the State of Florida Department of Revenue from 2016 to 2019. 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.

Ryan Rogers is a Planning Consultant at Fidelity Investments, a position he has held since 2024. In this role, he partners with clients to understand their short- and long-term financial goals and helps build customized financial plans tailored to their unique needs. He emphasizes forming strong relationships with clients and their families, focusing on trust, reliability, and competency. Ryan has extensive experience with Fidelity Investments, having served in multiple roles since 2018. His previous positions include Investment Solutions Representative III (2023-2024), Investment Solutions Representative II (2022-2023), Investment Solutions Representative I (2021-2022), High Net Worth Associate (2019-2021), and Customer Relationship Advocate (2018-2019). This progression highlights his developed expertise in investment solutions and client service. He holds insurance licenses in Arkansas and California.

Bradley Miller is a financial advisor with Fidelity, holding Series 66 and Series 63 licenses and two years of industry experience. He has worked at Fidelity Investments since 2023 and previously held roles in the hospitality sector. Fidelity's Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a variety of funds and delivers model portfolios that incorporate systematic methodologies and long‑term asset allocation benchmarks.

Carrie Cunningham is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. She previously worked at Citigroup for 29 years before joining Merrill in 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, and various institutional investors.

Treasa Smith is a financial advisor at Raymond James Financial with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Truist Advisory Services and Pinnacle Financial Partners. In addition to her advisory role, she is an associate at Pinnacle Asset Management, where she engages with clients about banking and investment needs. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and supports municipal and public-finance work through unique affiliations.

Zach Badawi is a Planning Consultant based in The Villages, Florida. In his current role, he works closely with clients to develop investment strategies aimed at achieving their financial objectives. Zach emphasizes communication and collaboration as key elements in his approach to financial planning.

Thomas Rowe Jr. is a financial advisor with Ameriprise in Jacksonville, FL, holding a Series 66 credential and 10 years of industry experience. He previously worked at Park Ave Securities and Guardian. Outside of his advisory role, he serves as an assistant coach for a youth baseball team with the Ponte Vedra Athletic Association. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored Recommendation Reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Sarah Drinkall is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2004. 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 high-net-worth individuals and charitable organizations.

Matthew Michels is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Before joining Merrill in 2026, he worked in various educational roles at institutions including the University of North Florida, Polk State College, George Jenkins High School, and Lawton Chiles Middle Academy. He is also employed by Publix since 2020. 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 and profit-sharing plans, corporations, and charitable organizations.

Angela Pollard is a financial advisor with Fidelity Investments in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. Her prior roles include positions at JPMorgan Chase Bank and JP Morgan Securities LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction using mutual funds, ETFs, and ETPs. The firm is noted for its role in managing registered investment companies, use of algorithmic methods and AI in research, and delivering model portfolios for Fidelity Institutional Wealth Adviser.

Ryan Mosca is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior work includes roles in real estate with Momentum Realty and Coldwell Banker Vanguard Realty, as well as a position at Four Seasons Hotel and Resort. Outside of his advisory role, he works as an independent real estate agent. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Michael Whittaker is a financial advisor with LPL Financial in Jacksonville, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial and Eagle Legacy Wealth in 2026, he worked at The Daily Wire from 2022 to 2025 and participated in the White House Internship Program in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Nicole Ubillus is a financial advisor at J.P. Morgan Securities with a Series 66 credential and two years of industry experience. She has held roles at Fidelity and JPMorgan Chase Bank, N.A., among other employers. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jonathan Moskowitz is a financial advisor with Wells Fargo Clearing in Jacksonville, FL, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Moskowitz is also a contributor to the Deborah Jean Foundation, a charitable organization based in St. Johns, FL. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Elizabeth Cambareri is a financial advisor with Morgan Stanley in Jacksonville, FL, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Tatyana Peshko is a financial advisor at Merrill with 14 years of industry experience and holds a Series 66 designation. She previously worked at Morgan Stanley for five years and has experience in education and self-employment. 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.

Sara Masters is a financial advisor at Fidelity with 10 years of industry experience. She holds the Series 66 and Series 63 registrations and has worked at Fidelity Brokerage Services, LLC since 2016. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services as well as model portfolios built from mutual funds, ETFs, and ETPs.