Paula Ciotti is a financial advisor with Empower Advisory Group in Palm Coast, FL, holding Series 63 and Series 66 registrations and 17 years of industry experience. Her prior work includes roles at Signet Jewelers, Santander Bank and Securities, Jeffrey Photiades, Northwestern Mutual Investment Services, Durham Hannaford, and Morgan Stanley Private Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model connected to Empower’s administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Kristen Mock is a financial advisor at Truist Advisory Services with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Truist entities, including Truist Investment Services and Truist Bank. Truist Advisory Services offers investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary approaches supported by third-party manager arrangements and AI-enabled research tools.

Kevin McCarthy is a financial advisor at Brookstone Capital Management LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved with Safe Harbor Financial Advisers since 2010 and McCarthy Insurance and Financial Services, Inc. since 2002. In addition to advisory work, he provides seasonal tax return preparation services. Brookstone Capital Management is an SEC-registered adviser offering fee-based asset management and financial planning through a turnkey asset management platform and wrap-fee program. The firm serves a diverse client base including individuals, retirement plans, corporations, charitable organizations, other registered investment advisers, sovereign wealth funds, and banking institutions.

Jane Eddy is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 66 license, and has 39 years of industry experience. She previously worked at THE O.N. Equity Sales Company, LPL Financial, Ohio National Financial Services, and National Planning Corporation. Outside of her advisory role, she is involved in multiple insurance-related businesses and participates as a short-term treasurer for a local homeowners association legal committee fundraiser. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, offering advisory programs, financial planning, and retirement plan consulting. The firm provides both discretionary and non-discretionary account options, combining custody, execution, brokerage services, and third-party asset manager relationships within a dual-registered SEC adviser and FINRA broker-dealer structure.

Thomas Savone is a financial advisor with Kestra Advisory in Bunnell, Florida. He holds a Series 63 designation and has 40 years of industry experience. Prior to joining Kestra Advisory in 2025, he spent 20 years with Commonwealth Financial Network and operated his own firm, Thomas Savone and Associates. He also serves as president of Savone Group, Inc. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services including fiduciary consulting, plan-level investment advice, employee education, and utilizes multiple management platforms and third-party solutions to support its clients.

John Birney is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has operated JBirney Financial since 1987 and has volunteered as a college radio station DJ at Americana Radio since 2001. Birney also serves as Chair of the Early Learning Coalition of Flagler & Volusia. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based financial solutions through a network of 477 independent advisors.

Maria Regeci is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 66 credentials and 18 years of industry experience. She has worked with multiple firms, including MLR Financial Co since 2017 and US Employee Benefits Services Group since 2015. Regeci serves as a board member of Imagine Charter School, contributing to budget oversight and policy development. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options. The firm’s investment approach is based on a top-down strategic asset allocation framework using risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Jessica Mullinax is a financial advisor with PNC Wealth Management in Palm Coast, FL. She holds Series 66 and Series 63 licenses and has one year of industry experience. Prior to her current role, she worked at PNC Bank, Petco, and Publix. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessment and approved model strategies managed by PNC or third-party strategists.

John Sciancalepore is a financial advisor at J.W. Cole Advisors, Inc. with 38 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining J.W. Cole Advisors, he worked at Ic Advisory Services Inc and The Investment Center Inc, among other firms. In addition to his advisory role, he is involved in fixed insurance sales. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, fee-based financial planning, third-party investment manager access, and multiple managed account solutions.

Christine Utter is a CFP® with 29 years of industry experience and is affiliated with Truist Advisory Services. She has been with SunTrust Advisory Services LLC since 2016 and with Suntrust Investment Services, Inc. since 1997. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary strategies supported by third-party platforms and AI-enabled research tools.

Brett Ewing is a financial advisor with Centaurus Financial, Inc. in Palm Coast, FL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Centaurus Financial since 2007. Outside of his advisory role, Ewing manages a local community economic research project that produces a business activity index and participates in educating clients about deferred sales trust strategies. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers financial planning, portfolio management through its CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary management approaches with various analytical methods.

Laura Dalessio is a ChFC® with 37 years of experience in the financial services industry. She has been with MML Investors Services, Inc. since 1995 and MassMutual Life Insurance Company since 1994. In addition to her advisory role, she is involved in the sales and servicing of insurance products for various carriers. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using collaborative, annual planning engagements and firm-approved analytical tools.

Thomas Muller is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and previously worked at American Portfolios Financial Services, Inc. for 11 years. In addition to his advisory role, he is involved in insurance sales, including serving as an agent for Medicare insurance targeting seniors. OSAIC serves a diverse range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and various platforms. The firm employs quantitative tools and third-party resources to construct diversified portfolios across multiple asset classes.

Simon Fisher is a financial advisor with Thrivent Investment Management and holds Series 65 and Series 63 licenses. He has two years of industry experience and has worked previously at Keyes Stange & Wooten Wealth Management and Built Technologies. Simon serves as a director on the South Daytona Lions Club board. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written recommendations on various planning topics without implementation services. The firm combines holistic, goal-based analyses with managed-account options under a consolidated billing approach while maintaining separate planning and portfolio management functions.

Diane Whitt is a financial advisor at LPL Financial with 27 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2016. Prior to that, she was with VOYA Financial Advisors and has been associated with Alliance Financial Partners, Inc. since 2013. 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 variety of advisory programs and retirement plan consulting, utilizing model portfolios, third-party research, and technology-driven strategies.

David Duncan is a CFP®-credentialed financial advisor with 43 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors, where he has worked for 15 years. His background includes extensive experience in insurance and wealth preservation, with leadership roles such as CEO of Duncan Financial Group LLC and board memberships at Point Park University, LifeMark Reinsurance Co, and Integrated Health 21. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, employing a range of portfolio management approaches and proprietary as well as third-party strategies.

David Nash is a Series 66-licensed financial advisor with LPL Financial in Flagler Beach, FL, where he has worked since 2016. He has 13 years of industry experience. Outside of his advisory role, Nash is an author and photographer, having published a book titled *The Sheriff, A Pete And Charley Adventure*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to research and model portfolios.

Samuel Van Allen is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds a Series 66 designation and has worked previously at Westport Resources Investment Services and Wachovia Securities, LLC. Outside of advising, he has served as a teacher for Fairfield Public Schools and held a leadership role as branch president of the Holland Society of New York. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent financial professionals, utilizing a range of portfolio management strategies and platform arrangements.

Edward Herrera is a financial advisor at LPL Financial with nine years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2016, with prior experience at Voya Financial Advisors and Alliance Financial Partners. Outside of advising, he is a fitness instructor at Hammock Beach Resort and a substitute drummer at Parkview Church in Palm Coast, FL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

William Berezansky is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and bringing two years of industry experience. He previously worked at KPMG for nine years. Berezansky serves as a board member of the Rotary Club of Flagler Beach and volunteers as a mentor for SCORE, assisting small business owners and entrepreneurs. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and supports combining planning with managed-account programs under a consolidated billing option.