Eric Lathrop is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments, Bank of America, and Merrill. Outside of finance, he works part-time as a grocery replenishment specialist at Publix Supermarkets and assists with food preparation and service on a food truck for Trini Pie Company LLC. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs alongside broker-dealer execution and custody services. The firm combines large institutional scale with unique market roles, including in-house research and derivatives services.

William Grub is a financial advisor with Eagle Strategies (NY Life) in Jacksonville, FL, holding Series 63 and Series 66 licenses and with 29 years of industry experience. He has been with Eagle Strategies since 2019 and has worked with NYLife Securities Inc. and New York Life Insurance Company since 1997. He serves as a board member of NAIFA Northeast Florida, an organization focused on legislative advocacy and professional development for its members. Eagle Strategies serves individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm delivers advice through various programs tailored to client objectives and maintains a predominately non-discretionary asset base, working closely within the New York Life affiliate structure.

James Ketron is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, and operated Ketron Health LLC, where he served as president providing health coaching. He is also a minority partner in Huntington Addiction Wellness Center, an addiction treatment center. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies supported by in-house research and operates with large institutional scale and distinctive market roles.

Loretta Beardeaux Proulx is a financial advisor at Janney Montgomery Scott with 34 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services for 16 years. She is based in Ponte Vedra Beach, Florida. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients, including individuals, families, trusts, corporate sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Mark Thomas is a financial advisor with Bankers Life Advisory Services, Inc. in Jacksonville, FL, holding a Series 66 designation and 15 years of industry experience. He has been associated with the Bankers Life family of companies since 2010. Outside of his advisory role, he serves as a minister conducting occasional weddings and funerals, and holds a leadership position as corporate secretary and trustee of a Christian discipleship ministry. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and manage portfolios aligned with clients’ goals, risk tolerances, and time horizons.

Emily Lewis is a financial advisor at Citigroup Global Markets with five years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Lululemon, where she educated guests on product selection related to athletic clothing. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a wide range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

John Gosztyla is a CFP® professional with 18 years of industry experience, currently serving at Independent Financial Partners. His prior roles include positions at LPL Financial and First Command Advisory Services. He also serves as a trustee on the Jacksonville Beach police pension board and consults on tax matters through Postillion Tax Consultants, LLC. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and offers both individualized investment strategies and centralized asset management options, with a notable focus on retirement-plan advisory and pension consulting.

Jesse Ruda is a financial advisor at Farther with a Series 66 designation and three years of industry experience. Prior to joining Farther in 2025, he worked at Fidelity Investments for three years. Outside of finance, he has been involved in acting and film production, and he is a partner in a boutique wagyu cattle business. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform, offering discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds. The firm applies Modern Portfolio Theory using bespoke and algorithmic model portfolios with automatic rebalancing and focuses primarily on personal fiduciary clients.

Anna Arribas is a financial advisor at Citigroup Global Markets with nine years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Merrill, The Prudential Insurance Company of America, and Pruco Securities, LLC. Before entering financial services, she spent ten years in home management. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and brokerage services. The firm’s approach includes multi-asset, multi-manager strategies implemented through discretionary and non-discretionary programs, supported by internal oversight and research capabilities.

Joshua King is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. His career includes roles at Advised Assets Group, LLC and GWFS Equities, Inc., both since 2022, as well as nearly a decade at Bank of America and Merrill from 2013 to 2022. 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 retail brokerage clients. The firm’s services integrate with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, rebalancing, and savings rates through both point-in-time financial plans and optional managed account solutions.

Zachary Bishop is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 credentials and five years of industry experience. His prior roles include positions at Fidelity Brokerage Services and Bank of America. 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, alongside broker-dealer execution, custody services, and derivatives trading capabilities.

Robert Bracey is a financial advisor at Independent Financial Partners with 18 years of industry experience. He holds a Series 66 designation and has worked previously at LPL Financial and Southeast Consulting Group, which he owns and operates as an IT consulting business. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform offering personalized investment strategies, centralized asset management options, and specialized retirement-plan advisory and pension consulting services.

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.

Allahyar Nejad is a financial advisor with NewEdge Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at LPL Financial and SunTrust Advisory Services LLC. NewEdge Advisors is an enterprise-scale registered investment adviser serving high-net-worth individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent representatives. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing both in-house and third-party investment strategies, and incorporates technology tools and centralized due diligence in its approach.

Ryan Mallow is a financial advisor at Farther with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Fidelity Investments for 13 years before joining Farther in 2023. Outside of his advisory role, he is also an independent insurance agent. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with 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 alongside retirement plan consulting and private fund recommendations.

Christine Dixon is a financial advisor at Empower Advisory Group with 16 years of industry experience. She holds a Series 66 designation and has previously worked at Ameriprise Financial Services, Inc. and Charles Schwab & Co., Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage account holders. The firm’s services emphasize long-term portfolio returns and annual rebalancing within an integrated platform tied to Empower’s recordkeeping and administrative systems.

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.

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.