Bruce Schilling is a financial advisor with Commonwealth Financial Network, holding CFP® and ChFC® designations and possessing 41 years of industry experience. His career includes roles at Lincoln Financial Advisors, Purshe Kaplan Sterling Investments, and leadership positions at his own firms, Schilling Private Wealth Services, LLC, and The Schilling Group. He is also co-owner of Farb and Schilling, LLC, involved in commercial real estate management. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm emphasizes operational support, compliance, and technology platforms while offering various discretionary model portfolios and customized investment solutions.

Laura Dowe is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds Series 63 and Series 66 designations. Her prior work history includes positions at Fidelity Investments, Synovus Bank, and involvement with Young Life Ministry. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains large institutional scale with in-house research and specialized market roles.

Michael Cirino is a financial advisor at Commonwealth Financial Network with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Commonwealth in 2023, he spent 25 years at Lincoln Financial Advisors Corporation. Cirino is also co-owner of Aegis Consulting Group, LLC. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports advisors with operations, technology, investment management, and compliance while offering a variety of customizable portfolio solutions.

Dominick Aurelio is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds the Series 66 designation and has previously worked at Merrill and various other roles before joining Citigroup. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a broad range of investment advisory programs alongside broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant institutional scale, in-house research capabilities, and specialized market roles.

Tien Pham is a financial advisor with Transamerica Financial Advisors in Jacksonville, FL, holding Series 65 and Series 63 licenses and having four years of industry experience. His work history includes roles at Garcia Sahni, Better Taxshield Corp. d/b/a Innochamp Advisors, and Pham Tax Prep. He has been involved with organizations such as the National Association of Registered Social Security Analysts and World System Builders. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers a combination of advisory and broker-dealer services featuring both proprietary and third-party model portfolios, with program choices that can be discretionary or non-discretionary.

Teresa Radzinski is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Bank of America and Merrill for 12 years. Radzinski serves on the fundraising committee for Flagler College, contributing her business background to institutional advancement efforts. Citigroup Global Markets serves individual and institutional clients with a range of investment advisory programs and custody services, employing multi-asset, multi-manager strategies across various client segments including workplace, high-net-worth, and ultra-high-net-worth investors.

Robert Rodriguez is a financial advisor with Principal Financial Services in Jacksonville, FL, holding Series 63 and 66 licenses and 10 years of industry experience. His prior roles include positions at Equitable Advisors, Morgan Stanley, and Deutsche Bank Securities. He is also the owner of Opes Wealth Management, a business providing holistic financial planning and related services. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Ramona Bell is a financial advisor with Citigroup Global Markets, holding Series 65 and Series 63 credentials and nine years of industry experience. She previously worked at Wells Fargo Clearing Services and Wells Fargo Bank NA. Outside of her advisory role, she is involved as Director of a nonprofit supporting expecting mothers and families and serves as Vice President of a DJ and wedding entertainment service. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs with both discretionary and non-discretionary options. The firm combines large institutional scale with unique market functions, including in-house research and futures commission services.

Jormiah Hayes is a financial advisor at Citigroup Global Markets with three years of industry experience and holds the Series 66 designation. Prior to joining Citigroup, he worked at Merrill and Amazon, among other companies. Outside of his advisory role, he is involved as a delivery driver for Instacart and is a partner in a rental agency business in Jacksonville. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles, including operating as a swap dealer and futures commission merchant.

Harrison Jordan is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 credential and beginning his advisory career in 2026. Prior to joining Wealth Enhancement Group, he gained experience at iCapital and Pathward Financial. His background also includes roles outside finance, such as employment at Hodges Mazda and Julington Creek Golf Club. Wealth Enhancement Advisory Services manages over $122 billion in assets and serves individuals, high-net-worth clients, corporations, and retirement plans. The firm employs a diversified investment approach combining passive and active managers, with oversight from an internal Investment Committee and offers a wide range of implementation tools and program options.

Tiffany Beard is a CFP® and holds a Series 66 license with 17 years of industry experience. She has been with Wealth Enhancement Advisory Services, LLC and its affiliate Wealth Enhancement Group since 2018, following four years at Retirement Strategies Inc. Beard serves on the boards of the Financial Planning Association of Florida and the local Cub Scouts organization. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm offers financial planning, asset management, and retirement plan consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Dwight Larkin is a financial advisor with Principal Financial Services, holding the ChFC® designation and Series 63 and Series 65 licenses, with 22 years of industry experience. His prior roles include positions at Northwestern Mutual and Associated Bank. Outside of his advisory work, he plays bass in a rock band called The Dad Bodz. Principal Securities offers brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm focuses on direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

William Hart is a CFP® with 25 years of experience in financial advising. He has worked with Wealth Enhancement Advisory Services, LLC and its predecessor firms since 2018 and previously spent 24 years at Retirement Strategies, Inc. Hart also serves as an adjunct professor at the University of North Florida. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base, including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, discretionary and non-discretionary asset management, and specialized retirement plan consulting, employing a strategic investment approach that combines passive and active management with quantitative and fundamental research.

James Hargis is a financial advisor at Citigroup Global Markets with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Merrill, Morgan Keegan & Company, and Empower. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with specialized market roles, including in-house research and derivatives services.

Wendy Delp is a financial advisor at Citigroup Global Markets with 27 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill from 1998 to 2022. Outside of her advisory role, she co-owns a rental property in Jacksonville, Florida, with her spouse. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs and a variety of advisory, execution, and custody services. The firm combines large institutional scale with unique market roles, including in-house research and futures commission merchant activities.

Yacoub Snober is a financial advisor with Independent Financial Partners in Jacksonville, FL, holding a Series 66 credential and 27 years of industry experience. He has previously worked at LPL Financial and IFP Securities, LLC. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform managing over $12 billion in assets, with a notable focus on retirement-plan advisory and pension consulting services.

Christine Helms is a financial advisor with PNC Wealth Management, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. She has worked at PNC Investments LLC since 2024 and previously held roles at PNC Bank and BBVA entities spanning from 2005 to 2021. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an online discretionary model account offered via an invitation-only employee pilot. The firm uses algorithm-driven risk assessments and delegates portfolio implementation and proxy voting to third parties, focusing on mutual funds and ETFs with annual rebalancing.

Christopher Gardner is a financial advisor at Lincoln Investment with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Lincoln Investment Planning since 2013. Gardner is also Chief Investment Officer at Capital Analysts of Jacksonville, where he conducts research and makes investment recommendations. Additionally, he serves on the investment sub-committee of Mandarin Presbyterian Church, providing expertise on the church’s asset management. 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 offers a range of financial planning and investment management services, employing both strategic and tactical approaches through an in-house Investment Management & Research team.

Rajendra Donepudi is a financial advisor at Transamerica Financial Advisors with one year of industry experience. He holds a Series 65 designation and has prior experience at Wfgia, Florida Homes Realty and Mortgage, and Florida Blue Inc. In addition to his advisory role, he works as a real estate agent, facilitating property transactions on a part-time basis. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services, offering proprietary model portfolios alongside access to third-party money managers and a mix of fee-based and commission-based investment products.

Nicolas Duran is a financial advisor with TD Private Client Wealth LLC in Jacksonville, FL. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior work includes roles at TD Bank, N.A., Trustco Bank, WFG Transamerica, and a year at OCPS Timberlake Elementary School. TD Private Client Wealth LLC offers discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth private, and retail clients, utilizing strategic and tactical asset allocation through a combination of affiliated and third-party sub-managers.