Rebecca Newton is a CFP® and Series 66 credentialed advisor with 21 years of industry experience. She is the principal of Financial Journey LLC, where she has worked since 2020. Prior to that, she was with Concord Wealth Partners for three years and Financial Strategies Group for ten years. In addition to her advisory work, she is the founder of Financial Journey Courses LLC, which provides educational content, and she serves as a seasonal tax lead supporting tax preparation with Intuit Inc. Financial Journey LLC serves individual and high-net-worth clients with tailored investment management and a range of financial planning services, including project-based and ongoing comprehensive planning. The firm uses a Modern Portfolio Theory-based approach primarily implemented through passive vehicles, supplemented by fundamental, technical, and cyclical analysis, and incorporates tax-aware and goal-based portfolio reviews.

Gordon Lacquement is the principal of Koi Portfolio Management, LLC in Pensacola, FL, with 28 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for UBS Financial Services for 15 years before founding his independent firm in 2020. Koi Portfolio Management provides wealth management and discretionary investment management to individuals, high-net-worth clients, trusts, and estates. The firm uses both fundamental and technical analysis to build customized portfolios employing a long-term strategy with flexibility for shorter-term trading, including ETFs, mutual funds, equities, bonds, and options strategies, managing approximately $63 million in discretionary assets.

David Roberts is a financial advisor at Plan For Your Goals, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses. Prior to his current role, he worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. Plan For Your Goals, LLC provides portfolio management and financial planning services to individuals and high-net-worth clients, including a paid financial education and coaching program through a Skool community. The firm primarily operates on a non-discretionary advisory model and uses modern portfolio theory in constructing Investment Policy Statements and conducting quarterly account reviews.

Paul Curtman is the sole advisor at P.R. Curtman Investments LLC, an independent advisory firm. He holds Series 66, 65, and 63 designations and has 10 years of industry experience. His prior work includes roles at Edward Jones and multiple positions with the State of Missouri. Outside of financial advising, he is the owner of E-5 Operations LLC, a media and guidance business focused on writing and leadership. P.R. Curtman Investments LLC manages approximately $15.7 million for around 34 clients, offering individualized investment management and comprehensive financial planning. The firm serves individuals, high-net-worth clients, corporations, and charitable organizations, employing a mix of fundamental, technical, and cyclical analysis in its investment approach.

Wayne Phillips is a financial advisor at Tip Top Financial Advisors with 11 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Primerica Advisors and Primerica Financial Services. He has also operated Tip Top LLC since 2007. Tip Top Financial Advisors serves individual U.S. citizens and lawful permanent residents through a wrap-fee investment management program called the Life Investment Platform, offering both discretionary portfolio management and standalone financial planning services. The firm uses models created by unaffiliated asset managers and focuses on a small retail client base.

Leon Dulion is a financial advisor with DNA Wealth Management LLC in Pensacola, FL. He holds a Series 66 designation and has 11 years of industry experience, including six years at Edward Jones before founding his current firm in 2020. Dulion is involved in several non-investment activities, including ownership of a nonprofit organization, Altruist Properties, Inc., and participation in the Notre Dame Alumni Club of Pensacola. DNA Wealth Management provides investment management, financial planning, and defined-contribution plan participant account management. The firm serves individuals, high-net-worth clients, families, and small businesses, utilizing a client-specific approach that integrates Modern Portfolio Theory with various analytical methods to build diversified portfolios.

James Harrison is the sole advisor and managing member of Vitesse One Wealth LLC in Pensacola, FL. He holds a Series 65 designation and has one year of experience in financial advising. Prior to founding Vitesse One Wealth, he has worked with United Air Lines since 2007 as an airline transport pilot. Vitesse One Wealth provides tailored investment management and comprehensive financial planning primarily for individual and high-net-worth clients. The firm’s approach is based on Modern Portfolio Theory, using mainly passive management with index mutual funds and ETFs, alongside asset allocation, periodic rebalancing, and selective active strategies.

Christopher Kitchens is the sole advisor at Kitchensink Financial Planning, LLC in Pensacola, FL. He holds a Series 65 designation and has experience working at DFAS-CL/JFLP since 2016. Kitchens is also the owner and operator of KitchenSink Tax Services, LLC, a tax preparation business. Kitchensink Financial Planning, LLC provides investment management and a range of financial planning services to individuals, families, closely held businesses, and nonprofit organizations. The firm’s investment approach emphasizes asset allocation, broad diversification, and factor exposures, using low-cost, tax-efficient funds and disciplined rebalancing, while coordinating tax preparation and considerations through its affiliated tax service.

John Ronderos Jr. is a Series 65-licensed financial advisor at VM. Group with three years of industry experience. Prior to founding VM. Group, he was self-employed as a trader and investor and briefly worked at Vinify. He publishes a public technical-analysis newsletter related to his firm’s investment strategies. VM. Group is an independent advisory firm offering discretionary investment management primarily through separately managed accounts to individuals, trusts, and small businesses. The firm employs quantitative value screening, proprietary technical analysis, and fundamental due diligence across strategies that include global equity value, commodity cycles, multi-asset allocation (including cryptocurrencies), and crypto-focused portfolios.

John Hendry III is a Series 65-licensed financial advisor with Paraclete Life Planning L.L.C. in Pensacola, FL, where he has worked since 2022. He has two years of industry experience, including prior roles at Coggins Insurance Agency and State Farm. Outside of his advisory role, he is involved in his family’s online brake parts sales business, handling order fulfillment and shipping. Paraclete Life Planning serves a millennial client base with comprehensive financial planning, life and disability insurance advice, and goal-based investment recommendations. The firm employs a fiduciary, goal-oriented approach with diversified asset allocation and regular portfolio reviews, offering flexible billing options and virtual educational seminars.

Danny Steele is a financial advisor at The Retirement Planners, USA, LLC with 15 years of industry experience. He holds Series 66, Series 63, and Series 65 credentials. His prior experience includes roles at Silver Oak Securities, Inc., First Heartland Capital Inc, and Pensacola State College. Outside of advising, he owns Steele Insurance Agency, which focuses on Medicare insurance sales and other insurance products. 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, and ERISA plan services using a variety of investment analysis methods and maintains a relatively large client base for its size.

Anthony Williams is the sole advisor at Sentinel Investment Planning, LLC in Milton, FL, holding a Series 65 designation with 20 years of industry experience. He has managed the firm since its founding in 2016. Sentinel Investment Planning is an independent advisory firm serving a very small client base of high-net-worth individuals with discretionary portfolio management. The firm employs a range of investment strategies including active and leveraged trading, conducting regular reviews and portfolio monitoring across various asset classes.

Caleb Guernsey is a financial advisor with Guernsey Financial, LLC in Pensacola, FL. He holds a Series 65 designation and has been with Guernsey Financial since 2018. Prior to his advisory role, he worked at Olive Baptist Church for one year and has a background in education. Guernsey Financial serves individual and high-net-worth clients, providing retirement-plan consulting, financial planning, portfolio analysis, and public educational seminars. The firm emphasizes advisory and oversight services, operating primarily as a co-advisor and referrer while relying on third-party managers for portfolio management.

James Baccarini is a CFP® and holds a Series 65 license with three years of experience at Aggregate Financial Services, Inc. He has worked in the industry since 2015, including roles at Beacon Capital Management, Inc. and JC Trident Inc. In addition to his advisory work, he is a licensed insurance agent involved with insurance sales. Aggregate Financial Services, Inc. is a small, state-registered firm that provides investment management, financial planning, retirement-account advisory, and estate-planning support primarily to individual clients. The firm employs a combination of asset allocation, dollar-cost averaging, technical analysis, and both short- and long-term purchase strategies, using third-party model portfolios and tax-management tools with regular portfolio monitoring.

Taylor Retherford is a Series 65-licensed advisor with Aggregate Financial Services, Inc. in Navarre, FL, and has three years of industry experience. Prior to joining Aggregate Financial Services, he worked at Olympus in a medical imaging role and has experience in insurance sales. Aggregate Financial Services, Inc. is a state-registered advisory firm that provides investment management, financial planning, retirement-account advisory, and estate-planning support to individual clients. The firm uses a variety of approaches, including third-party model portfolios and tax-management tools, to tailor advice based on client objectives and risk tolerances.

Charles Jackson is the sole advisor at Jackson Money Management, Incorporated in Navarre, FL, holding Series 63 and Series 65 licenses with 30 years of industry experience. He has been with his firm since 1995. Jackson Money Management serves individual investors, trusts, and charitable organizations by providing discretionary and non-discretionary portfolio management and investment advice focused on equity investing. The firm employs a fundamentally driven, relatively concentrated approach primarily targeting large-cap U.S. and multinational stocks, and offers multi-manager portfolios for clients seeking broader diversification.

Wesley Odom is a financial advisor at Armada Advisors with 33 years of industry experience. He has been with Armada Advisors since 2009 and holds Series 63 and Series 65 designations. Outside of his advisory role, he owns and manages a tour company, Go Retro, and an importing business, Mr. Retro. 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, emphasizing low turnover and tailored portfolios based on client goals, and offers a range of ancillary services including real estate reviews and retirement plan design.

Douglas Guernsey is a financial advisor with Guernsey Financial, LLC in Pensacola, FL, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at Guardian Life and its affiliated entities from 1997 to 2019 before joining Guernsey Financial in 2019. Outside of his advisory role, Guernsey serves as Vice President of the Plantation Road Town Office Owners Association Inc. Guernsey Financial serves individual and high-net-worth clients, providing retirement-plan consulting, financial planning, portfolio analysis, and public educational seminars. The firm operates primarily as a co-advisor and referrer, focusing on advisory and oversight services while partnering with third-party managers to handle portfolio management.

John Mugarian is a financial advisor with FamilyWealth Asset Management based in Pensacola, FL. He holds Series 63 and Series 65 licenses and has 37 years of industry experience. He has worked at Mugarian Investment Group, LLC and Painewebber Incorporated for over 26 years. Outside of advisory services, he manages a vacation property in Gatlinburg, Tennessee. FamilyWealth Asset Management advises individual and institutional clients, offering discretionary and non-discretionary portfolio management, retirement plan consulting, and access to insurance products. The firm employs a multi-asset, dynamic investment approach combining passive core exposure with active and alternative strategies, delivered through an integrated platform and a Turnkey Asset Management Program.

Gary Jackson is the sole advisor at Jackson Money Management, Incorporated, holding a Series 65 designation with one year of industry experience. Prior to founding his firm, he worked for 16 years at ProAssurance Corporation and is currently employed as an IT manager at Precision Medicine Group, a private pharmaceutical company. Jackson Money Management serves individual investors, trusts, and charitable organizations by providing discretionary and non-discretionary portfolio management and investment advice focused on equity investing. The firm employs a fundamentally driven and relatively concentrated investment approach, typically managing stock portfolios of around 20 holdings primarily in large-cap U.S. and multinational companies.