Paul Curtman is the principal of P.R. Curtman Investments LLC, an independent advisory firm based in Milton, FL. He holds Series 63, 65, and 66 licenses and has 10 years of industry experience, including roles at Edward Jones, Carillon Group Inc, and Ameritas. Outside of financial advising, he is an author and owner of E-5 Operations LLC, a media and guidance business established in 2013. P.R. Curtman Investments LLC provides discretionary portfolio management and comprehensive financial planning services to individuals, high net-worth clients, charitable organizations, and businesses. The firm employs a variety of analytical methods informed by Modern Portfolio Theory and emphasizes written deliverables, ongoing client education, and periodic workshop-style events.

Danny Steele is a financial advisor at The Retirement Planners, USA, LLC with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked with several firms including Silver Oak Securities, Inc. and First Heartland Capital Inc. Outside of advisory work, he owns Steele Insurance Agency, focusing on Medicare and other insurance sales. The Retirement Planners, USA, LLC provides personalized financial planning and investment management to individuals, high-net-worth clients, trusts, and small businesses. The firm offers ongoing portfolio management, retirement planning, ERISA plan services, and distinctive annuity management along with educational seminars and workshops.

Wesley Odom is a financial advisor at Armada Advisors with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Armada Advisors since 2009. Outside of his advisory role, he owns and operates Go Retro, a tour company, and Mr. Retro, an importing business. Armada Advisors serves individual and corporate clients with portfolio management, retirement plan consulting, financial planning, real estate advisory, and trustee services. The firm employs a bottom-up, value-biased investment approach using proprietary models and offers tailored portfolios with an emphasis on tax efficiency and individual bond holdings.

Douglas Guernsey is the sole advisor at Guernsey Financial, LLC in Pensacola, FL, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities LLC and Guardian Life Insurance Co. of America. Guernsey also serves as Vice President of the Plantation Road Town Office Owners Association. Guernsey Financial, LLC provides financial planning, retirement planning, and consulting services primarily to individual and high-net-worth clients, including insurance companies. The firm uses an evidence-driven advisory approach and generally refers clients to third-party investment managers while maintaining client relationships and conducting ongoing reviews.

John Mugarian is a financial advisor with FamilyWealth Asset Management in Pensacola, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Mugarian Investment Group, LLC and Painewebber Incorporated since 2000. Outside of his advisory role, he manages a vacation property in Gatlinburg, Tennessee. FamilyWealth Asset Management serves a diverse client base including individuals, high-net-worth households, trusts, estates, pension and profit-sharing plans, foundations, and small businesses. The firm employs a multi-asset, dynamic investment approach that integrates passive, active, and alternative strategies, supported by a proprietary platform that facilitates model portfolios, SMAs, UMAs, and overlay management.

Shannon Hill is a financial advisor at Alpha Advisors, LLC with 12 years of industry experience. She holds a Series 65 designation and has been with Alpha Advisors since 2006. The firm serves individuals, business entities, trusts, estates, and charitable organizations, providing portfolio management, financial planning, and consulting services. Alpha Advisors constructs diversified portfolios using domestic and international equities, fixed income, tactical and alternative strategies, and also manages affiliated private limited partnerships that may be recommended to qualified clients.

Trevor Odom is a financial advisor at Armada Advisors in Pensacola, FL, holding a Series 65 designation with five years of industry experience. His prior roles include positions at Beacon Global Advisor Network, deVere Group, and multiple engagements with Armada Advisors. Outside of finance, his background includes work in recreational sports and wellness at Mercer University and involvement with Go Retro, Inc. Armada Advisors serves individual and corporate clients with discretionary and non-discretionary portfolio management, retirement plan consulting, financial planning, real estate advisory, and trustee services. The firm employs a bottom-up, value-biased investment approach using proprietary valuation models and emphasizes tax-efficient portfolio management tailored to client goals.

Mark Hemby is a CFA® charterholder with five years of industry experience, currently serving at Saltmarsh Financial Advisors, LLC since 2020. Prior to joining Saltmarsh, he was involved with Table Needs, Inc. and Hemby Foods. Saltmarsh Financial Advisors, LLC provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm manages approximately $318.4 million across about 227 client relationships, employing an investment approach focused on asset allocation based on Modern Portfolio Theory and diversification across asset classes using both passive and active vehicles.

Scott Klaassen is a financial advisor at Turner Financial Group, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Claraphi Advisory Network, LLC, Constellation Trust Company, and Northern Lights Distributors, LLC. Klaassen has been with Turner Financial Group since 2021. Turner Financial Group provides investment advice and financial planning to individuals, families, high-net-worth clients, and charitable organizations. The firm manages approximately $171 million in discretionary assets through a team of eight advisors, using model-based portfolio allocations and a combination of fundamental, technical, and cyclical analysis, along with offering planning-focused services and public educational seminars.

Christina Doss is a financial advisor at Saltmarsh Financial Advisors, LLC in Pensacola, FL, holding Series 63 and Series 66 licenses with 22 years of industry experience. She has been with Saltmarsh Financial Advisors since 2013. Outside of her advisory role, she owns a condo rental business in Pensacola. Saltmarsh Financial Advisors provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm emphasizes asset allocation based on Modern Portfolio Theory, employing both passive and active investment strategies with a multi-year time horizon.

Michael Hall is a CFP® professional with 22 years of industry experience. He is currently with Saltmarsh Financial Advisors, LLC in Pensacola, FL, and has held positions at Charles Schwab Bank, SSB, Schwab Private Client Investment Advisory, Inc., and Charles Schwab & Co., Inc. since 2015. Saltmarsh Financial Advisors, LLC provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm emphasizes asset allocation based on Modern Portfolio Theory with a multi-year time horizon and utilizes a combination of passive and active investment vehicles.

Pierce Broscious is a financial advisor at Saltmarsh Financial Advisors, LLC in Pensacola, FL, holding a Series 65 credential with five years of industry experience. He has been with Saltmarsh Financial Advisors since 2019 and previously worked at Saltmarsh, Cleaveland & Gund and Paytech Commercial. Broscious attended the University of Georgia from 2014 to 2018. Saltmarsh Financial Advisors provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm emphasizes asset allocation based on Modern Portfolio Theory with a multi-year time horizon and utilizes both passive and active investment vehicles across diversified asset classes.

George Peaden is a Series 65-licensed financial advisor with Saltmarsh Financial Advisors, LLC in Pensacola, FL, where he has worked since 2001. He has 20 years of industry experience and is also associated with Saltmarsh, Cleaveland & Gund. Saltmarsh Financial Advisors, LLC provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm manages approximately $318 million in assets and employs an investment approach based on asset allocation and diversification, utilizing both passive and active strategies with a multi-year time horizon.

Andrew Tang is a financial advisor at Turner Financial Group, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Arete Wealth Advisors LLC, Legend Securities, Inc., and Claraphi Advisory Network, LLC. Outside of his advisory role, Tang is involved in business development for an apparel company called Real Snow Milk and is the principal content creator for EDIBLE econoMIX, a channel covering economic and market commentary. Turner Financial Group serves individuals, families, high-net-worth clients, and charitable organizations, managing approximately $171 million in discretionary assets. The firm employs model-based portfolio allocations and a combination of fundamental, technical, and cyclical analysis, offering services that include discretionary portfolio management, comprehensive financial planning, and sub-advisory referrals.

Sarah Horne is a CFP® and Series 65-licensed financial advisor with Saltmarsh Financial Advisors, LLC, where she has worked since 2022. She has four years of industry experience, including prior roles at OneAmerica Securities and American United Life. Before entering the financial industry, she held academic positions at the University of West Florida, University of Alabama in Huntsville, and Auburn University. Saltmarsh Financial Advisors, LLC serves individuals and families, including high-net-worth clients, as well as fiduciaries, pension plans, corporations, and small businesses. The firm employs an investment approach based on Modern Portfolio Theory with a multi-year time horizon, emphasizing diversification through a mix of passive and active funds, ETFs, stocks, and bonds.

Jeffrey Crouse is a CFP® professional with eight years of industry experience, currently serving as an advisor at Capital Markets IQ, LLC. His prior roles include positions at Fidelity Brokerage Services LLC and Equipment Depot. Capital Markets IQ provides investment advisory and related services to individuals, small businesses, plan sponsors, and multinational clients. The firm employs a combination of fundamental and technical analysis alongside proprietary strategies, offering wealth and portfolio management, financial planning, and support for alternative investments.

Alex Brumback is a Series 66-licensed financial advisor with six years of industry experience, currently with Navy Federal Investment Services, LLC. His prior roles include positions at JP Morgan Chase Bank and Cetera. Outside of finance, he owns and operates two small businesses: a custom engraved accessories venture and a taco meal service. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes model portfolios managed by third-party portfolio managers and provides clients with account monitoring, rebalancing, and optional overlay services.

Todd Phillips is a financial advisor with Navy Federal Investment Services, LLC and holds a Series 66 designation. He has 14 years of industry experience, all within various entities affiliated with Navy Federal, including Navy Federal Credit Union and Navy Federal Brokerage Services. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes model portfolios managed by third-party portfolio managers and provides a range of advisory platforms including wrap fee programs and unified managed accounts.

Joseph Schultz Jr. is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, where he has worked since 2018. He has seven years of industry experience, including prior roles at NYLIFE Securities LLC and New York Life Insurance Company. Before entering the financial services industry, he spent four years at the University of West Florida. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes model portfolios managed by third-party portfolio managers and provides a range of advisory platforms including wrap fee programs and unified managed accounts.

Andrew Jurnovoy is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, based in Pensacola, FL. He has two years of industry experience and has held various roles within Navy Federal entities since 2017. Prior to joining Navy Federal, he worked at Premier Island Management Group and the Independent Florida Alligator. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts by offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm utilizes model portfolios managed by third-party subadvisers and provides ongoing account monitoring, rebalancing, and optional overlay services.