Sandra Esquierdo is a financial advisor with Empower Advisory Group, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at GWFS Equities, Advised Assets Group, Bank of America, Merrill, and Citibank. Based in Jacksonville, FL, she has been with Empower Advisory Group since 2024. 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’s services are integrated with Empower’s recordkeeping and administrative platforms and emphasize long-term portfolio returns, annual rebalancing, and client savings rates.

William Nichols is a financial advisor with Principal Financial Services in Jacksonville, FL, holding a Series 66 designation and seven years of industry experience. He has previously worked at Green Wealth Management and Union Financial, Inc., and served ten years in the United States Navy. Outside of his advisory role, Nichols is the founding partner and lead wealth advisor at Executive Private Wealth, where he provides financial planning, insurance services, and educational seminars. 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 financial planning, retirement consulting, and access to third-party money manager solutions through direct advisory programs and promoter arrangements.

Jason Sanders is a financial advisor with Principal Financial Services in Jacksonville, FL, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked at Principal Securities Inc. since 2016 and with Principal Life Insurance Co. since 2009. Sanders serves as an advisory board member at the University of North Florida and is involved in fixed insurance sales, including fixed life, annuities, and health-related insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Brandon Hogue is a financial advisor with Truist Advisory Services in Jacksonville, FL, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. He has worked within the Truist and SunTrust organizations since 2012. Outside of his advisory role, he owns a second home used for short-term rental income. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing both discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

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.

Jason Collins is a financial advisor at Citigroup Global Markets with 20 years of industry experience. He holds a Series 66 designation and has worked at Citigroup since 2021, following ten years at Bank of America and sixteen years at Merrill. 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 unique market roles, including in-house research, derivatives services, and bespoke solutions for high-net-worth clients.

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.

Miles Evans is a CFP® with four years of industry experience, currently serving as a financial advisor at Citigroup Global Markets in Jacksonville, FL. His prior experience includes roles at Fidelity Investments, MassMutual, Northwestern Mutual Investment Services LLC, and Brust Wealth Advisors. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with a combination of institutional scale and market roles, including swap dealer and futures commission merchant activities.

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.

Heather Brewer is a financial advisor at Empower Advisory Group with eight years of industry experience. She holds Series 63 and Series 66 registrations and has worked at firms including Citigroup, Fidelity Investments, Merrill, and Empower Financial Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates in its planning approach.

Matthew Gould is a financial advisor at Citigroup Global Markets with seven years of industry experience. He holds a Series 66 designation and has previously worked at GWFS Equities, Bank of America, Merrill, Coopers Hawk Winery, and Florida State College at Jacksonville. Citigroup Global Markets serves individual and institutional clients across a range of wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with specialized market roles including swap dealing and futures commission merchant activities.

Andrew Ayers is a financial advisor at Citigroup Global Markets with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors and Private Wealth Management and Consulting LLC. Outside of his advisory work, Ayers volunteers with the VyStar Academy of Business Meetings, mentoring students and supporting educational initiatives. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and custody services. The firm employs multi-asset, multi-manager strategies through both discretionary and non-discretionary programs and operates with considerable institutional scale and specialized market roles.

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.