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 63 and Series 65 licenses and has worked previously at Bank of America, Wells Fargo, Prudential Insurance, and Primerica Financial Services. Outside of her advisory role, she is a co-owner of two rental property businesses with family members. 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.

Michael Cardwell is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Since 2015, he has been a partner and co-branch manager at Chapman & Cardwell PLLC and serves as president of both Chapman & Cardwell PLLC and PMC Group INC d/b/a Cardwell Capital Management, which support non-investment-related business operations. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including high-net-worth individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary advisory services using risk profiling and analytical modeling, and it maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Juan Carlos Espinal is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked across multiple Fidelity divisions, including Institutional Services and Brokerage Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive roles in commodity pool operations and advisory services to multiple registered investment companies.