Penny White Gordon

Sebastian Lafontaine is a CFP® professional with nine years of industry experience. He is the lead advisor at Hoskin Capital, an independent firm based in Homestead, FL. His prior experience includes roles at JPMorgan Securities and Brightside Benefit Inc. Hoskin Capital serves individual clients, trusts, estates, and business entities by providing discretionary portfolio management, financial planning, and consultation. The firm employs a tactical allocation strategy combined with a predominantly passive asset allocation and offers a fee model that includes fixed, subscription, and hourly arrangements alongside integrated tax, bookkeeping, and estate-planning services.

Andres Hung Parmeggiani is a CFP® certificant with four years of industry experience, currently serving as a financial advisor at Truist Advisory Services. His work history includes roles within Truist Investment Services and Truist Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver comprehensive investment solutions.

Edwin Rodriguez Salazar is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and three years of industry experience. His work history includes multiple roles within Thrivent Financial and Thrivent Investment Management since 2020, with prior experience at ACR of South Florida. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on retirement, tax, estate, and other planning topics. The firm combines these planning services with a managed-account program under a consolidated billing option called “WealthPlan,” while maintaining separate planning and portfolio management functions.

Adriana Eppstein is a financial advisor at Merrill with nine years of industry experience. She holds Series 65 and Series 63 licenses and has worked at firms including Bank of America, Wells Fargo, and Prudential Insurance. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Cardwell is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 26 years of industry experience. Prior to joining Raymond James, he worked at Wells Fargo Advisors and Edward Jones. Cardwell is also a partner and president at Chapman & Cardwell PLLC and Cardwell Capital Management, independent firms supporting his business operations. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse clientele, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs a tailored, non-discretionary approach using risk profiling and analytical tools, and it offers specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

Juan Carlos Espinal is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked in various roles within Fidelity since 2007. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and delivery of model portfolios. The firm combines proprietary research with quantitative analysis and algorithmic portfolio construction, and it serves as an advisor to multiple registered investment companies and fund-of-funds.