Stephen Cefalu is a financial advisor at Commonwealth Financial Network with 10 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for seven years before joining Commonwealth in 2023. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $200 billion in client assets. The firm offers a broad adviser-support platform including managed-account programs and access to third-party asset managers, supporting a wide range of investment strategies and services.

Michael Dean is a Series 66-licensed financial advisor at Empower Advisory Group with 11 years of industry experience. He previously worked at Bank of America and Merrill, serving in advisory roles for a combined 13 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Cynthia Robinson is a financial advisor with TD Private Client Wealth LLC in Jacksonville, FL. She holds Series 63 and Series 65 designations and has five years of industry experience, including a long tenure at TD Bank N.A. from 1998 to 2021 prior to her current role. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients. The firm uses a combination of strategic and tactical asset allocation with investments from both affiliated and third-party sub-managers, delivering portfolio management, financial planning support, and custody services.

Barbara Tilka is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and possessing 13 years of industry experience. Her background includes roles at Brighthouse Financial and Wealthwave Jax Partners LLC. Outside of advisory work, she is a business owner involved in the hospitality industry as a silent partner and serves as a board member of the Safe and Healthy Duval Coalition. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a diverse client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm’s approach emphasizes model portfolios and third-party managers, supported by multiple program platforms such as Transamerica ONE and the TFA365 Advisory Program.

John Logue is a CFP®-certified financial advisor with 17 years of industry experience. He is currently with Truist Advisory Services and Truist Investment Services, having previously worked at PNC and BBVA in various wealth management and securities roles. Outside of his advisory work, he assists with a Massage Envy franchise owned by his wife. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering asset allocation analysis, fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary strategies.

Nicholas Hollister is a financial advisor with PNC Wealth Management in Jacksonville, FL, holding Series 63 and Series 66 designations and totaling nine years of industry experience. He previously worked at Merrill from 2015 to 2022 before joining PNC Investments LLC in 2022. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account pilot for employees. The firm’s approach uses algorithm-driven risk assessment and implements investments via approved model strategies managed by PNC or third parties, focusing on mutual funds and ETFs with annual rebalancing.

Karen Mayfield is a CFP® with 21 years of experience in the financial services industry. She currently serves as an advisor at Truist Advisory Services, where she has worked since 2021, following prior roles with SunTrust Advisory Services and related firms. Outside of her advisory work, Mayfield holds leadership and volunteer roles with local organizations including the Estate Planning Council of Northeast Florida, Wolfson Children's Women's Board, and the Ronald McDonald House. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plans, and charitable organizations. The firm employs a combination of discretionary and non-discretionary manager relationships and integrates third-party platforms and AI-enabled research to support its investment offerings.

Maurice Ruhter is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and also owns and operates Maury Ruhrer Tax Service, providing income tax preparation services. His professional background includes long-term roles at Wfg and JEA. Transamerica Financial Advisors serves a diverse client base including individual investors, employer-sponsored retirement plans, and charitable organizations. The firm employs a model portfolio and third-party manager approach to investment advisory, supported by a large network of advisors and multiple program platforms.

Nick Kostoff is a financial advisor with Fifth Third Securities, Inc. in Jacksonville, FL, holding Series 63 and Series 65 licenses and with 11 years of industry experience. He has been with Fifth Third Securities since 2015 and has also worked at Fifth Third Bank since 2012. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base including individuals, charitable organizations, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and a tax-overlay service, operating as a wholly-owned subsidiary of Fifth Third Bank.

Melissa Reardon is a financial advisor at Eagle Strategies (NY Life) based in Jacksonville, FL, holding Series 65 and Series 63 licenses with two years of industry experience. Prior to her advisory career, she worked for 16 years with Duval County Public Schools. Outside of finance, she is an artist who sells her work online and is an ordained minister performing weddings. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm provides tailored advice across multiple program types, with a significant portion of its assets managed on a non-discretionary basis.

Allen Sasser Jr. is a CFP®-certified financial advisor with 18 years of industry experience, currently with Lincoln Investment since 2026. His prior roles include positions at Brust Wealth Advisors, Raymond James Financial Services, JL Smith Holistic Wealth Management, Petros Financial Group, Bank of America, and Merrill. He is based in Jacksonville, Florida. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm employs a blend of strategic and tactical investment approaches, offering both discretionary and non-discretionary programs across a range of managed portfolios.

Frank Hartsfield IV is a CFP® with 15 years of industry experience, currently serving as a financial advisor at TD Private Client Wealth LLC in Jacksonville, FL. He has been with TD Bank N.A. and its affiliated firms since 2020, following a 15-year tenure at BB&T and BB&T Asset Management, Inc. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth private clients, and retail clients. The firm offers portfolio management, access to various investment products, financial planning support, and custody services, utilizing both affiliated and third-party sub-managers through a discretionary trading authority model.

Eugene Cabrera is a financial advisor with PNC Wealth Management in Jacksonville, FL, holding a Series 66 designation and three years of industry experience. His prior roles include various positions at First Command Financial Services and related entities, as well as service in the United States Marine Corps. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available as an invitation-only pilot for PNC Bank employees. The firm uses algorithm-driven portfolio recommendations and delegates portfolio execution to third parties specializing in mutual funds and ETFs.

Aaron Sheklin is a financial advisor at Farther with one year of industry experience. He holds a Series 65 designation and previously worked at RealPage, Inc., ClickPay, LLC, and NovelPay, LLC. Outside of advising, he is the managing partner of Seaworthy Industries, a maritime consulting firm, and serves as an authorized representative for Beaches Mental Health, providing consulting and administrative support. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform and direct client meetings. The firm applies Modern Portfolio Theory using bespoke and algorithmic model portfolios, focusing on ETFs, mutual funds, equities, and fixed income, and offers discretionary investment management along with retirement plan consulting.

Clayton Bobinger is a financial advisor with PNC Wealth Management in Jacksonville, FL, holding Series 63 and Series 66 licenses and 14 years of industry experience. He previously worked at Bank of America, N.A. and Merrill from 2016 to 2025. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account for employees. The firm uses algorithmic questionnaires to recommend investment strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties.

Catherine Livingston is a financial advisor at Valic Financial Advisors with eight years of industry experience. She holds Series 65 and Series 63 licenses and is based in Jacksonville, FL. Outside of her advisory role, she is involved with Agia, providing non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and multiple wrap programs through a large network of advisors, utilizing centralized technology and model solutions to manage client assets.

Christopher Hargis is a financial advisor at TD Private Client Wealth LLC with 10 years of industry experience. He holds the Series 66 designation and has worked at TD Ameritrade, Inc., TD Bank N.A., and TD Private Client Wealth LLC since 2015. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional clients, high-net-worth individuals, and retail clients, utilizing a combination of strategic and tactical asset allocation with both affiliated and third-party sub-managers.

Michael Cox is a financial advisor at PNC Wealth Management in Jacksonville, FL, holding a Series 66 designation with three years of industry experience. Before joining PNC Wealth Management in 2026, he worked at Bank of America and Merrill from 2023 to 2026. Outside of finance, he has experience in retail roles including at Timeless Sneaker Boutique and Spirit Halloween. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available via an invitation-only employee pilot. The firm utilizes algorithm-driven portfolio selection and delegates execution and proxy voting to third parties, focusing on mutual funds and ETFs with annual rebalancing.

James Carr Jr. is a CFP® professional with 36 years of industry experience, currently serving with Wealth Enhancement Advisory Services, LLC since 2018. He previously worked at Retirement Strategies, Inc. for 24 years. Carr is a board member of the Firehouse Subs Safety Foundation and Global Jax, both non-compensated roles. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in regulatory assets and utilizes a diversified investment process that combines passive and active management overseen by an internal Investment Committee.

Miguel Arevalo Gonzalez is a financial advisor with Empower Advisory Group in Jacksonville, FL, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior experience includes roles at Merrill, Bank of America, and Transamerica. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s integrated approach combines proprietary and third-party methodologies focused on long-term portfolio returns and client savings rates, delivered through platforms linked to Empower’s recordkeeping and administrative services.