Gabriel Cesar is a CFP® with 10 years of industry experience, currently affiliated with Principal Financial Services. He has worked at Principal Life Insurance Company and Principal Securities, Inc. since 2016 and is a co-owner of R & G Wealth Management Group Inc. in Amherst, NY. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions through various advisory and promoter arrangements.

Mark Gold is a financial advisor at Principal Financial Services with Series 63 and Series 65 credentials. He has been in the financial services industry since 2026 and has prior experience in healthcare and startup sectors. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel stationed abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Ronald Sporyz is a financial advisor with Principal Financial Services in Amherst, NY, holding the CFP® and ChFC® designations and the Series 63 license. He has 43 years of industry experience and has been with Principal Life Insurance Company since 1998, Principal Securities since 2016, and R & G Wealth Management since 2024. Outside of his advisory role, he advises on fireworks displays and coaches soccer. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Robert Belman is a financial advisor with Principal Financial Services who holds a Series 63 designation and has 38 years of industry experience. He has been with Principal Securities Inc. since 2016 and previously worked at Principal Life Insurance Co. since 2005. His work includes fixed insurance, annuities, life, long-term care, and disability insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charities, corporations, and active-duty U.S. military personnel overseas. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Alphonso Brown is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and five years of industry experience. He previously worked at Morgan Stanley for 30 years and spent four years at NYLIFE Securities LLC before joining Principal. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers through distinct adviser and promoter arrangements.

Michael Reynolds is a Series 63 licensed financial advisor with Principal Financial Services, based in Mansfield, OH. He has 18 years of industry experience, including roles at Principal Securities Inc. since 2016 and Farley-Peoples Insurance, Inc. prior to that. Outside of advising, he has provided tax support services through a remote role with Teletech. Principal Securities offers brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, and military personnel overseas. The firm’s advisory approach includes direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions under multiple advisory arrangements.

Lyle Kraft is a financial advisor with Principal Financial Services in Minot, ND, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with Principal Life Insurance and Princor Financial Services since 2005. Outside of his advisory work, Kraft has been involved in community activities including serving as President of the Glenburn Booster Club and participating on the National NAIFA Chapter Quality Committee Board. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jonathan Pereira is a financial advisor with Principal Financial Services, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Waddell & Reed Inc. and Mariner Wealth Advisors, among others. He has worked at Principal Securities and Principal Life Insurance since 2022. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and business entities. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions.

Richard Gruszewski is a financial advisor with Principal Financial Services, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Bristol ID, FSP Advisors, Leigh Baldwin & Co., Axa Advisors LLC, and Xerox. He is also engaged in outside sales related to life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by these managers.

David Lerner is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked with Principal Securities INC since 2016 and is involved with Total Planning Veterinary Services. Outside of his advisory role, he has a part-time business selling wholesale trees to landscaping companies and plant brokers. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both adviser and promoter arrangements.

Tyler Johnson is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Johnson Carpenter Wealth Management and Principal Financial Services. He holds a Series 66 license and has been involved with Principal Securities INC and Principal Life Insurance Company since 2014. Outside of his advisory roles, he is a partner at Johnson Carpenter Wealth Management, a legal partnership based in Modesto, CA. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Michael Mcdonough is a financial advisor with Principal Financial Services who holds Series 63 and Series 65 credentials and has 39 years of industry experience. He has worked at Principal Securities Inc. since 2010 and founded MK McDonough Financial & Insurance Services in 2019. Outside of advisory work, he is the owner and developer of Mastering Action Plans for Success, a proprietary goal planning system, and serves as a board member for the Alameda Boys and Girls Club. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, and business entities. The firm offers financial planning and retirement consulting, with access to third-party money manager programs under multiple advisory and promoter arrangements.

Lawrence Schalles is a financial advisor with Principal Financial Services, holding a Series 66 designation and 28 years of industry experience. He has worked with Principal Life Insurance Company and Princor Financial Services Corporation since 2015. Outside of his advisory role, he is the owner of Schalles & Associates CPA, providing accounting and tax services. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm emphasizes direct advisory programs, financial planning, and access to third-party money manager solutions through various advisory and promoter arrangements.

William Stephens is a financial advisor with Principal Financial Services in Butler, MO, holding the ChFC® designation and Series 63 and 65 licenses. He has 29 years of industry experience, with prior roles at Union Financial and Stephens / Heffner Financial Partners. Outside of advising, Stephens serves as president of the Butler R-V School Board, is a board member of the Butler RV Education Foundation, owns a gym, and participates in several business ventures including a startup internet web design company. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, offering financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Jessica Westgard Larson is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been associated with Principal Life Insurance Company since 2007 and Principal Securities Inc since 1999. Outside of her advisory role, Larson serves as an adjunct faculty member directing the handbell choir at Concordia College and holds board positions with the St. John Foundation, the Red River Valley Estate Planning Council, and the North Dakota chapter of NAIFA, where she was elected State President for 2026. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors and various institutional entities. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions through both adviser and promoter arrangements.

Stephan Sandoval is a financial advisor with Principal Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Principal Securities and Principal Life Insurance since 2010. Sandoval also serves as a bank officer with Principal Bank and Principal Trust Company, supporting retirement plan account relationships across multiple offerings. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Katherine Terpstra is a financial advisor with Principal Financial Services in Grand Rapids, MI. She holds the Series 66 designation and has been with Principal Financial Services and Principal Life Insurance Company since 2026. Terpstra has a longstanding career at Corewell Health, where she has worked since 2007. Principal Securities offers brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, estates, and business entities. The firm provides financial planning, retirement plan consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Nicholas Fox is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has one year of industry experience, including prior roles at Principal Life Insurance Company, Conocophillips, and The McHenry Management Group. Outside of his advisory work, he serves as a Lieutenant in the United States Naval Reserve with the Strategic Sealift Officer Force. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions under both adviser and promoter arrangements.

Jeremy Mc Intosh is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has one year of industry experience and previously worked at Legacy Wealth Management LLC and Principal Life Insurance Company. His background includes roles outside of finance, such as positions at DoorDash and the University of Iowa Tippie College of Business. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Ashley Wallace is a financial advisor at Principal Financial Services with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Principal, she worked at Thrivent Financial and Thrivent Investment Management. Wallace is a board member and founder of Fertility Friendly LLC, a nonprofit supporting families facing fertility challenges, and serves as an event and support coordinator for Special Olympics Montana. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager solutions through direct advisory and promoter arrangements.