Michael Perkins is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to his current role starting in 2022, he worked at Merrill Lynch from 2007 to 2021. He is also co-owner of Ruthies Card Collection LLC, a family-run online sports card and memorabilia business. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and manages complex institutional arrangements, including derivatives and futures services.

Patricia Lawrence is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has worked at Wealth Enhancement Group and Wealth Enhancement Advisory Services since 2018, following five years at Retirement Strategies, Inc. in Jacksonville, FL. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers a range of financial planning, asset management, and retirement consulting services, employing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

Celeste Beale is a financial advisor with Hightower Advisors, holding 27 years of industry experience. She worked at Charles D. Hyman & Company for 25 years before joining Hightower Advisors in 2024. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes manager selection through both affiliated and third-party managers, employing proprietary research and a variety of investment strategies.

Mary Beth Neeley is a CFP® professional with 19 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC since 2018. Prior to that, she worked for Retirement Strategies, Inc. from 2005 to 2018. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment process that combines passive and active management with quantitative and fundamental research.

Ian Aguilar is a CFP® professional with 13 years of experience in financial advising. He is currently with Mercer Global Advisors Inc. and has previously worked at firms including Paragon Wealth Strategies, Mellen Money Management, UBS Financial Services, and Merrill. Aguilar serves as a board member of the YMCA of Nocatee. Mercer Global Advisors provides investment advisory and planning services to individuals, families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified, risk-appropriate portfolios and offers a range of implementation options including ETFs, mutual funds, separate accounts, and direct indexing.

Kyle Boston is a financial advisor at Brookstone Capital Management LLC with six years of industry experience. He holds a Series 65 designation and has worked at Brookstone since 2020. Prior to this, he has held roles at First Coast Financial Group, where he is also Vice President, as well as earlier positions in unrelated industries. Brookstone Capital Management provides fee-based asset management and financial planning services to individuals, retirement plans, corporations, and trusts. The firm offers discretionary portfolio management through a turnkey asset management platform and employs a mix of strategic asset-allocation models, various securities, and sub-advisor relationships to implement client allocations.

Cierra Colgrove is a financial advisor with Guardian Life, holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Park Avenue Securities, North Florida Financial, and Strategic Wealth Group. She serves as the Treasurer for the Nassau Council of Arts & Culture. She is affiliated with Park Avenue® Wealth Management, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients.

Ryan Rech is a financial advisor at Private Advisor Group, LLC with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2015, with prior experience at Merrill and Wells Fargo Clearing. Outside of his advisory role, he serves as president of Breakwater Real Estate Holdings, a business entity primarily for tax and investment purposes. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering a range of portfolio management and financial planning services. The firm combines fiduciary-based advice with technology platforms and multiple investment strategies, providing access to proprietary and third-party managed account solutions.

Jon Foy Jr. is a financial advisor at Janney Montgomery Scott with eight years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill from 2016 to 2026. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal entities, offering brokerage, financial planning, consulting, and advisory programs.

Lisa Elkins is a financial advisor at Truist Advisory Services with 25 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Truist Advisory Services and related entities since 2015, including Bb&T Securities and Bb&T Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary approaches, supported by third-party platforms and AI-enabled research tools.

James Costello is a financial advisor at Cerity Partners LLC in Jacksonville, FL. He holds a Series 65 designation and has been with Cerity Partners since 2021. His prior experience includes roles at Bradley, Foster & Sargent and the Inherent Group, as well as a period focused on full-time education at Trinity College. Cerity Partners provides customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm employs tailored asset-allocation, manager selection, and periodic rebalancing utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Craig Dekshenieks is a financial advisor with Principal Financial Services holding a Series 66 designation and three years of industry experience. His prior work includes roles at Edward Jones and New York Life-affiliated firms. He also has an outside sales position involving the sale of various insurance products. 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 stationed abroad. The firm provides direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Sarah Kelne is a Series 66 licensed financial advisor with 11 years of industry experience. She has worked at NewEdge Advisors and NewEdge Securities LLC since 2025, following prior roles at Ameriprise and Merrill. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers a range of services including portfolio management, financial planning, retirement consulting, and access to third-party managers, utilizing multiple program structures and technology tools to support both advisors and clients.

Laura Williams is a financial advisor at Transamerica Financial Advisors with 23 years of industry experience and holds a Series 66 designation. Her previous work includes a long tenure at Wells Fargo Advisors and roles with several organizations focused on insurance, estate planning, and student loan repayment services. She also refers clients periodically to businesses specializing in estate planning and student loan repayment assistance. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, estates, and corporations. The firm offers advisory and broker-dealer services through proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Albert Macdonald III is a CFP® professional with 26 years of industry experience. He is currently with MAI Capital Management, LLC, where he has worked since 2014, and previously held positions at Fidelity and Foreside Fund Services. Outside of his advisory role, he serves as commissioner of T-Ball for the PVAA Baseball League in Ponte Vedra Beach, FL. MAI Capital Management provides discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages a wide range of portfolios utilizing various strategies and serves roles as both product sponsor and adviser, including managing mutual funds and private investment vehicles.

Adam Osterman is a financial advisor with Empower Advisory Group based in Jacksonville, FL, holding Series 63 and Series 66 licenses and 17 years of industry experience. Prior to joining Empower in 2023, he worked at Citigroup, Valic Financial Advisors, JP Morgan Securities, and several other financial firms. Outside of his advisory role, he is involved in real estate activities through Heron Real Estate in Jacksonville and occasionally provides notary public services. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors, their participants, and certain retail clients. The firm delivers services via an integrated platform focused on long-term portfolio returns and offers both planning and managed account solutions.

Thomas Galvin Jr. is a financial advisor at Janney Montgomery Scott with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Raymond James & Associates for nine years. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, estates, and institutional clients, offering a range of brokerage, financial planning, and advisory services.

Crayton Adams is a financial advisor at Empower Advisory Group with 13 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and GWFS Equities. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services linked to Empower’s recordkeeping and administrative platforms. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and savings rates through point-in-time financial plans and optional managed account solutions.

Lavendel Williams is a financial advisor at Citigroup Global Markets with six years of industry experience. Williams holds Series 63 and Series 66 licenses and has worked previously at Fidelity Brokerage Services, Merrill Lynch, and KASA Inc. Outside of financial services, Williams has been affiliated with Florida State College at Jacksonville since 2017. 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 in-house research and unique market roles, supporting both discretionary and non-discretionary investment solutions.

Dylan Vastardis is a financial advisor at Citigroup Global Markets with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fidelity Investments and Apple Inc. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs, broker-dealer execution, and custody services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as security-based swap dealing and futures commission merchant activities.