Cynthia Handmaker is a financial advisor with Valic Financial Advisors in Jacksonville, FL, holding Series 63 and Series 65 licenses and having 14 years of industry experience. She has worked at Valic Financial Advisors since 2014 and is also associated with Agia, where she serves as an agent for non-securities insurance products. Valic Financial Advisors primarily serves 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 unified managed accounts using a centralized technology platform and a large network of advisors.

Keith Henriquez is a financial advisor at Empower Advisory Group with 11 years of industry experience. He has previously worked at Bank of America and Merrill. His credentials include the Series 63 and Series 66 licenses. 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 clients. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Andrew Woods is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds a Series 66 designation and has a background in law, having worked at several law firms including Hahn Loeser & Parks LLP and Grant Fridkin Pearson, P.A. Woods also operates his own legal practice, Andrew M. Woods, P.A., in Jacksonville, FL. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, technology, compliance, and practice-management support. The firm offers advisors access to discretionary portfolio construction and proprietary model portfolios, along with various program structures tailored to client needs.

David Avila Angarita is a financial advisor at Citigroup Global Markets with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Deutsche Bank, Bank of America, N.A., and Merrill. 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 through discretionary and non-discretionary programs, leveraging internal oversight and external partnerships to manage and monitor investments.

Lawrence Thompson Jr. is a ChFC® credentialed financial advisor with 10 years of industry experience, currently with VALIC Financial Advisors in Jacksonville, FL. His prior roles include positions at Thrivent Financial, The Prudential Insurance Company of America, and Pruco Securities, LLC. Outside of his advisory work, he assists with packaging and vendor events for a small artisanal bath products business. VALIC Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts with technology-driven model solutions and operates at scale with access to a broad product shelf through its affiliation with Corebridge/VALIC.

Jeffrey Simmons is a financial advisor at Empower Advisory Group with 17 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Fidelity Investments, GWFS Equities, Advised Assets Group, Bank of America, and Merrill. 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 offers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Khadijah Jenkins is a financial advisor at Citigroup Global Markets with 24 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Citigroup since 2022, following eight years at Merrill. Based in Jacksonville, FL, Jenkins operates within a firm that serves a diverse client base across private banking and wealth management segments. Citigroup Global Markets Inc. provides investment advisory programs, broker‑dealer execution, and custody services to individual and institutional clients. The firm employs multi‑asset, multi‑manager strategies with a combination of discretionary and non‑discretionary programs, supporting a broad range of financial products and maintaining significant institutional scale and market roles.

Edgar Morales Jr. is a financial advisor with TLG Advisors, Inc. based in Jacksonville, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with The Leaders Group, Inc. and Capitas Financial/Pinnacle since 2010, and he is involved with Strategic Diversity Solutions, LLC since 2008. Morales also serves as president and chief marketing officer of Pinnacle IFS, an insurance business. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, delivering advice through independent advisors, sub-advisors, and platform affiliates using fundamental analysis and Modern Portfolio Theory.

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.

Alan Sejalbo is a financial advisor at Empower Advisory Group with 20 years of industry experience. He holds the Series 66 designation and has worked at Advised Assets Group, LLC, GWFS Equities, Inc., Bank of America, N.A., and Merrill. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients, delivering services through an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm’s planning emphasizes long-term portfolio returns, annual rebalancing, and clients’ savings rates rather than short-term forecasts.

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.

Erin Eiras is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. She has been with Independent Advisor Alliance since 2018 and concurrently worked at LPL Financial since 2012. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, providing services such as asset management, financial planning, and retirement plan consulting. The firm utilizes a network model of advisory representatives and combines discretionary and non-discretionary portfolio management with various analytical techniques and technology platforms.

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.

Daniel Dearing is a financial advisor with SPC in Jacksonville, FL, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has worked at Parkland Securities since 2014 and has been involved with Professional Retirement Services since 2005. Outside of his advisory work, he owns a company that buys and sells sports cards online. SPC serves a diverse client base including individuals, charitable organizations, corporations, and employer-sponsored retirement plans, managing approximately $5.66 billion in assets. The firm offers portfolio management, financial planning, and ERISA-related retirement plan services, delivering both discretionary and nondiscretionary management through a network of over 460 advisers.