Jay Rinehart is a financial advisor with Guardian Life, holding Series 63 and Series 65 designations and 14 years of industry experience. His prior work includes roles at Northwestern Mutual Wealth Management Company and New York Life. He is affiliated with Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America. The firm serves individual and institutional clients, providing brokerage services, financial planning, retirement plan consulting, and a blend of proprietary and third-party investment advisory programs.

Alexander Hoffman is a financial advisor with Empower Advisory Group in Milton, FL, holding Series 63 and Series 66 licenses and seven years of industry experience. His career includes roles at GWFS Equities, U.S. Bancorp Investments, U.S. Bank, Fifth Third Bank, and Fidelity Brokerage Services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services integrated with Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach.

Paul Gormanson is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 66 and Series 63 licenses and has five years of industry experience. Prior to his current role starting in 2022, he worked with Bankers Life Securities, Inc. and Bankers Life. Outside of advising, he manages a team of insurance agents and is involved in sales and training within Bankers Life’s insurance operations; he also occasionally sells unused vacation timeshare weeks through an online platform. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm uses a combination of fundamental, technical, and cyclical analysis to create tailored asset allocations and manages portfolios across various securities with periodic rebalancing and performance reviews.

Michael Hoeflich is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. Prior to this, he worked at Ameriprise Financial Services, Inc. for 15 years. He is a board member of the Rotary Club of Gulf Breeze. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Gregory Salvatore is a financial advisor with Equitable Advisors in Santa Rosa, Florida, holding a Series 66 designation and 14 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors. Outside of his advisory work, Salvatore serves as a board member for Tech Credit Union and the Hawk's Landing Townhome Owners' Association and acts as treasurer for the Shorewood Golf League. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Beverly Currin III is a financial advisor with LPL Financial in Pensacola, FL, holding a Series 63 designation and 36 years of industry experience. He has been with LPL Financial and its predecessor firms since 1998 and also runs Currin Insurance & Investments, Inc. alongside his advisory work. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various managed account options.

John Strickler is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Morgan Stanley and Hancock Whitney Bank. He serves as a board member and president for Trinitas Christian School. Cetera Investment Advisers LLC is an SEC-registered firm that provides advisory services through a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to various investment strategies and program structures.

Patrick Lanza is a financial advisor with Cambridge Investment Research Advisors in Pensacola, FL, holding Series 63 and Series 65 licenses and with 15 years of industry experience. He has worked with Lambert Lanza CPAs and operates Lanza Financial Services, LLC. Lanza also serves as a board member for Mission Ascend, Inc. and holds a treasurer position with the Creighton Center Owners' Association, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement advisory, and financial-wellness services through a network of independent professionals, employing both proprietary and third-party strategies across multiple platforms.

Michael Utke is a financial advisor at Edward Jones with 18 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2007. Outside of his advisory role, he is the owner of Utke Wealth Management, LLC, a real estate management business in Pace, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and affiliated services, supported by a nationwide network of more than 23,000 financial advisors and over 15,000 branch offices.

Zachary Brooks is a CFP® professional with nine years of industry experience, currently affiliated with LPL Financial. He previously worked at Edward Jones for seven years and spent nine years at Sherwin-Williams prior to that. Brooks is involved with OBAAT Investment LLC, a business entity for tax and investment purposes. LPL Financial serves a diverse client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Blane Nauck is a financial advisor at Ameriprise with two years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Ameriprise, he worked at NYLIFE Securities LLC and New York Life. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Camferdam is a CFP® with 40 years of industry experience, currently serving at Osaic Wealth, Inc. since 2023. He previously worked at Royal Alliance for 10 years. Outside of his advisory role, he owns a sole proprietorship involved in crop planting and harvesting. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and investment advisory services, utilizing various portfolio construction tools and offering access to multiple third-party managed account solutions.

Keith Allen is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 27 years of industry experience, including roles at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company. He operates a business under the DBA Buttonwood Financial Services. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charities, and employers. The firm offers collaborative, annual planning engagements using firm-approved analysis tools and supports specialized offerings such as estate-settlement and divorce planning.

Jeffrey Steichen is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2020, following five years at Regions Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of investment products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

James Johnson is a financial advisor at Edward Jones in Pensacola, FL, holding a Series 66 designation with 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory work, he performs as a singer at parties, weddings, funerals, and other special events. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment strategies and advisory services supported by a large network of financial advisors and branch offices nationwide.

Rhett Fendley is a financial advisor with LPL Financial in Pace, Florida, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2010. In addition to his advisory role, he co-founded The Fendley Group LLC, an entity created with his father for real estate ventures, though it has not been active since inception. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and incorporating research and model portfolios.

Lowell Hesser is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at LPL Financial since 2010 and previously was with Independent Financial Partners from 2012 to 2019. Outside of his advisory role, he works as a medical technologist at West Florida Hospital. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Sharhonda Owens is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2021, she worked for Ascend Performance Materials for 27 years. She holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of over 23,700 financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products.

Kellie Graham is a financial advisor at Edward Jones in Pensacola, FL, holding Series 63 and Series 66 credentials with 14 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Weston Cramer is a Series 66 licensed financial advisor with Equitable Advisors in Pensacola, FL, where he has worked since 2013. He has 12 years of industry experience, including prior service with Axa Advisors, LLC. Outside of his advisory role, he serves as a trustee for several family-owned trusts and grocery retail businesses, and he volunteers as a puppy raiser for Canine Companions, training future service dogs. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a hybrid model that includes third-party asset managers and brokerage/insurance channels.