Frank Firestone is a financial advisor at Primerica Advisors with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Primerica since 1998. In addition to his advisory role, he serves as a director of General Stone Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven strategies created by unaffiliated asset managers and provides trade execution and custody through Pershing, managing approximately $15.5 billion in assets under management.

Robert Coletta is a financial advisor with OSAIC in Santa Rosa Beach, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at LPL Financial, Centennial Bank, and Investment Professionals, Inc. Outside of his advisory work, he owns a sole proprietorship related to insurance and serves as a trustee managing a family trust. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated advisory and brokerage services. The firm employs various asset-allocation tools and third-party platforms to manage portfolios that include stocks, bonds, mutual funds, ETFs, and alternative investments.

Travis Hoyt is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2019, following a 12-year tenure at Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Michelle Kowal is a financial advisor at UBS Financial Services with 28 years of industry experience. She has worked at UBS since 1999 and also maintains a role at Mertins Investment & Insurance Services since 1998. Kowal holds the Series 63 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client solutions.

William Sadler is a financial advisor with LPL Financial in Santa Rosa Beach, Florida, holding Series 63 and Series 65 credentials and 26 years of industry experience. Prior to his current role, he worked at INVEST Financial Corporation and Avantax Advisory Services. Outside of advisory work, he owns a leadership training business and is the author of a book on leadership. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, combining a broad range of advisory services with extensive non-advisory financial activities.

Joseph Trocchio is a financial advisor with UBS Financial Services holding Series 63 and Series 65 designations and 28 years of industry experience. His prior roles include positions at Merrill from 2000 to 2021 and Bank of America from 2011 to 2021. Outside of his advisory work, he serves as a minister performing wedding ceremonies through the Universal Life Church Monastery Storehouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Tosha Firestone is a Series 65 licensed financial advisor with Primerica Advisors, based in Niceville, FL, and has one year of industry experience. She has worked with PFS Investments Inc. since 2025 and has a long history with Primerica Financial Services dating back to 1999. Outside of her advisory roles, she has extensive experience as a homemaker since 2012. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing, overseeing approximately $15.5 billion in assets under management.

Paul Schmitz is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Raymond James Financial Services and Wells Fargo Advisors Financial Network. Schmitz is also owner of The #1 Financial Solution Group, L.L.C., an advisory business he manages alongside his role at Ameriprise. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers these services through a centralized team and integrates advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jeffrey Dannelly is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 26 years of industry experience. He has worked with Cetera and its affiliated entities since 2022 and has also served with Hancock Bank and Hancock Investment Services since 2013. In addition to his advisory role, he works as a private banker for Hancock Whitney. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services supported by multiple program structures and affiliations.

Jonathan Tallman is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial for 12 years. He is also the owner of The Tallman Group, LLC, an insurance sales and service business he has operated since 2010. OSAIC serves a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may contain diverse investment types across discretionary and non-discretionary accounts.

Bryan Mullin is a CFA® charterholder with six years of industry experience. He is the principal advisor at Palm View Investments, an independent firm based in Santa Rosa Beach, FL, where he has worked since 2023. Prior to that, he spent seven years at RBC Capital Markets, LLC. Outside of his advisory role, Mullin has ownership interests in several small businesses related to aviation, maintenance, and pet services. Palm View Investments operates as a single-advisor independent firm.