Joseph Sissel is a financial advisor at Principal Financial Services with nine years of industry experience. He holds a Series 66 designation and has worked at Union Financial, Inc. from 2021 to 2024. In addition to his advisory roles, he has been involved in consulting on HVAC enclosures through Bay to Bay Balancing, a business he operated from 1994 to 2017. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Dustin Cali is a CFP® and Series 66-registered advisor with 16 years of industry experience. He has worked at Sanctuary Advisors, LLC and Sanctuary Securities, Inc. since 2022, and previously spent 10 years at J.P. Morgan Securities. He is a partner at Praetego Tax & Bookkeeping, LLC, where he prepares tax returns and provides tax advice. Sanctuary Advisors, LLC serves a diverse client base including individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations through a network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and retirement plan consulting, employing various analytical approaches and fiduciary practices, with a platform that includes multiple custodians and affiliations with asset management firms.

Rada Hayes is a financial advisor with Truist Advisory Services in Tampa, FL, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. Her prior roles include positions at Wells Fargo Bank and U.S. Bancorp Advisors. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platform arrangements.

Charles Minotto is a financial advisor at Empower Advisory Group with seven years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Morgan Stanley, E*TRADE Securities, and Edward Jones. Minotto is based in Odessa, Florida. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm emphasizes long-term portfolio returns and client savings rates through a point-in-time financial planning approach, operating within an integrated model tied to Empower’s recordkeeping and administrative platforms.

Adam Joseph is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has worked at SunTrust Advisory Services and SUNTRUST INVESTMENT SERVICES, Inc. since 2015. Based in Tampa, FL, he has a decade of tenure with SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, participant advice, and a manager-selection program utilizing third-party managers and AI-enabled research tools.

William Nelson is a financial advisor at Kestra Advisory with 42 years of industry experience. He has held positions at Kestra Advisory and Kestra Investment Services since 2020 and previously worked at Calton & Associates, Inc. for 33 years. Nelson serves as secretary and treasurer on the board of directors for P. G Sarres Inc., where he is involved in financial accounting and lease negotiations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services including fiduciary consulting, plan design, and plan-level investment advice. The firm manages approximately $79.8 billion in assets and serves clients such as sovereign wealth funds, using multiple management platforms and third-party solutions within its supervisory framework.

Russell Mercier is a financial advisor at AE Wealth Management, LLC, holding a Series 65 credential with three years of industry experience. He previously worked at Fisher Investments, Big Financial Services LLC, and American Senior Benefits. In addition to his advisory role, he is engaged in insurance sales through Trident Retirement Group. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a broad mix of clients, including individuals, corporations, trusts, and ERISA plan sponsors. The firm manages approximately $49.8 billion using discretionary model portfolios and a combination of fundamental, technical, and cyclical investment strategies.

Patrice Davis is a financial advisor at Truist Advisory Services with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Truist Advisory Services and its affiliated entities since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and inter-affiliate integration.

Sarai Vazquez is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Her prior roles include positions at Raymond James & Associates and multiple affiliated Transamerica entities. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation, contribution guidance, and retirement age planning. The firm utilizes Morningstar Investment Management for portfolio construction and ongoing oversight, offering primarily non-discretionary investment recommendations to a large client base.

Daniel Jeanneret is a financial advisor with Eagle Strategies (NY Life) based in Land O Lakes, Florida. He holds Series 63 and Series 65 credentials and has 17 years of industry experience. He operates Jeanneret Financial Strategies, focusing on brokering insurance products alongside his advisory role. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis.

Franklin Lefler Jr. is a CFP® with 31 years of industry experience, currently serving at Truist Advisory Services. He has worked with Suntrust Advisory Services and Suntrust Investment Services since 2009. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, combining discretionary and non-discretionary strategies supported by AI-enabled research and integrated inter-affiliate resources.

Daniel Parker is a financial advisor at OSAIC Institutions, Inc. with one year of industry experience. He holds a Series 66 designation and has worked at several firms, including BankFlorida and International Fire Protection. Daniel is also involved with BankFlorida in an investment services capacity. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, access to alternative investments, and utilizes a hybrid adviser/broker-dealer structure with both discretionary and non-discretionary account management.

Michael Labarbera is a financial advisor at Hightower Advisors in Tampa, FL, holding a Series 66 designation with 26 years of industry experience. Prior to joining Hightower in 2026, he worked at Journey Strategic Wealth, PKS, LPL Financial, and INVEST Financial Corporation. He also serves as a consultant for MDL Insurance Advisors, Inc. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering portfolio management, financial planning, and retirement consulting through a multi-manager investment approach that includes both affiliated and third-party managers.

Carolyn Yamada is a CFP® professional with 28 years of industry experience, currently serving at T. Rowe Price Advisory Services, Inc. since 2008. She also has a long-term association with Hoa, spanning over 30 years. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which combines goals-based financial planning, retirement income planning, and discretionary investment management for individual investors and households. The firm implements portfolios using proprietary mutual funds and ETFs with an emphasis on tax-aware strategies and interactive planning tools.

Elizabeth Roman is a financial advisor at Fifth Third Securities, Inc. based in Tampa, FL. She holds Series 65 and Series 63 licenses and has two years of industry experience. Her background includes roles at Fifth Third Bank, Mutual of Omaha Mortgage, Chase Bank, and Publix Supermarkets. Fifth Third Securities, Inc. serves a diverse client base including individuals, high-net-worth clients, and institutional accounts, offering investment advisory and brokerage services through multiple program types and third-party portfolio managers on the Passageway Managed Account platform. The firm operates as a broker-dealer, SEC-registered investment adviser, and municipal advisor, and is a wholly owned subsidiary of Fifth Third Bank.

Joseph Rossman is a financial advisor with Principal Financial Services holding a Series 66 designation and one year of industry experience. His prior work includes roles at One Source Advisory and various positions before entering the financial industry. Outside of his advisory duties, he sells annuities, long-term care, and life and disability insurance through Crump and PPN under his current firm. Principal Securities offers brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, and corporations. The firm provides direct advisory programs, financial planning, retirement consulting, and access to third-party money managers, with investment implementation typically carried out on a discretionary basis by these managers.

James Watkins is a CFP® with 19 years of experience in the financial services industry. He is currently with Schwab Wealth Advisory, Inc., having joined in 2023, and previously worked at firms including Vanguard Advisers, Wells Fargo, TIAA-CREF, UBS Financial Services, LPL Financial, and Raymond James Financial. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program, utilizing Charles Schwab & Co.’s asset-allocation models and internal research tools to tailor recommendations based on client goals and risk tolerance.

Hector Pagan is a financial advisor at T. Rowe Price Advisory Services, Inc. with 28 years of industry experience. He holds Series 63 and Series 66 certifications. His work history includes over two decades at T. Rowe Price Investment Services, Inc., with additional experience at Raymond James and Kestra Financial. T. Rowe Price Advisory Services, Inc. offers the Retirement Advisory Service, which provides individual investors and households with goals-based financial planning, retirement income planning, and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware strategies and Monte Carlo simulations to support retirement income projections for clients with approximately $250,000 or more in investable assets.

Howard Adcock is a financial advisor with Kestra Advisory in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Kestra Advisory and related entities since 1997 and leads The Adcock Financial Group, which he founded in 1996. Outside of his advisory work, Adcock serves on the boards of St. Joseph's Children's Hospital Foundation, St. Joseph's Baptist Hospital, and the Florida Aquarium, and he is chair of the Greater Tampa Bay Chamber. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering fiduciary consulting, plan design, and investment advice supported by in-depth due diligence. The firm serves large institutional investors and offers access to multiple management platforms and pooled employer plan arrangements.

Marc Turgeon is a financial advisor with Principal Financial Services in Odessa, FL, holding a Series 63 designation and 33 years of industry experience. He previously worked at Mass Mutual from 1989 to 2021 before joining Principal Securities Inc and Principal Life Insurance Company in 2021, and founding Turgeon Wealth Advisors in 2022. Outside of his advisory work, he is involved in the sales and servicing of outside insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, 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.