Warren Johnson Jr. is a financial advisor with Navy Federal Investment Services, LLC, holding the ChFC® designation and Series 63 and 66 licenses. He has 10 years of industry experience, including roles at Navy Federal Financial Group and prior positions at Cetera Investment Services and Regions Bank. Johnson also served in the US Army Reserves and the Mississippi National Guard. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual investors and trusts, offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm utilizes model portfolios managed by third-party portfolio managers and provides ongoing account monitoring, rebalancing, and optional tax and impact overlay services.

William Phillips is a financial advisor with Summit Financial, LLC in Pensacola, FL, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Purshe Kaplan Sterling Investments and Cambridge Investment Research Advisors, in addition to operating his own firm, Phillips Financial Strategies. He serves as president of the board for CMI-Promex Inc., a nonprofit organization. Summit Financial, LLC is a multi-team, SEC-registered advisory firm managing approximately $26.35 billion in assets for around 17,800 clients. The firm offers a combination of discretionary and consultative investment management programs, financial planning, retirement plan advisory services, and access to alternative investments and variable annuities.

Harley King is a CFP® professional with two years of experience in financial advising, currently with Pure Financial Advisors, LLC. Prior to this role, he worked at Symphony Financial Planning and has a background that includes positions at UC Davis Health Cancer Center and Centura Health. Pure Financial Advisors, LLC is a multi-team registered investment adviser managing approximately $11 billion in assets for individual and high-net-worth clients. The firm employs a financial-planning-centered approach using academic frameworks and offers a range of services including comprehensive planning, discretionary portfolio management, and specialized solutions such as pension consulting and donor-advised fund management.

Ruddie Powell is a financial advisor at Navy Federal Investment Services, LLC with four years of industry experience. He holds the Series 66 designation and has worked within various Navy Federal entities since 2019, including roles at Navy Federal Financial Group and Navy Federal Brokerage Services. Prior to joining Navy Federal, he was employed at Hill Kelly Dodge Chrysler Jeep Ram. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts, offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm provides investment advice through model portfolios managed by third-party managers on platforms such as Envestnet, with ongoing due diligence and account monitoring.

Brandon Baum is a financial advisor with Navy Federal Investment Services, LLC and holds a Series 66 credential. He has one year of industry experience and previously worked at Equitable Advisors, LLC. Baum is also an officer in the United States Army Reserve, serving as a 2nd Lieutenant Quartermaster. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, offering financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm uses third-party portfolio managers through the Envestnet platform and provides a range of investment options including model-driven allocation, tax overlay services, and a Private Wealth Consulting program for high-net-worth clients.

Richard Rivera is a CFP® with 40 years of industry experience, currently with United Capital Financial Advisors. He previously spent 18 years at Calton & Associates, Inc. Rivera is also a member and manager of Cell Gen Therapeutics, LLC, a therapeutic laser sales business. United Capital Financial Advisors provides national financial planning and discretionary investment management to a diverse client base, including individuals, high-net-worth households, retirement plans, and institutional accounts, offering customized investment solutions and a broad affiliate network.

Bryan Etheridge is a Series 66-registered financial advisor at Navy Federal Investment Services, LLC, with six years at the firm and a total of four years in the industry. Prior to joining Navy Federal, he worked for the Florida Department of Corrections for three years. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management. The firm uses third-party portfolio managers accessed via the Envestnet platform and offers a range of advisory programs and brokerage services.

Christian Early is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, based in Pensacola, FL. He has four years of industry experience and has held various roles within Navy Federal Financial Group since 2021. Prior to his financial services career, Early worked in customer service roles at Doordash and Zips Car Wash, and he spent three years at the University of West Florida. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through both advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and offers a range of investment options, including model-driven asset allocation and Private Wealth Consulting for clients with $1 million or more in assets.

Jeremy Fowler is a Series 66-licensed financial advisor with Navy Federal Investment Services, LLC, based in Pensacola, FL. He has seven years of industry experience and has been with Navy Federal in various capacities since 2016. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management. The firm offers investment solutions through third-party portfolio managers on the Envestnet platform and maintains a mixture of advisory assets under management and brokerage services.

Martina Mason is a financial advisor at Gradient Advisors, LLC with four years of industry experience. She holds a Series 65 designation and has worked at firms including Sound Income Strategies LLC and Market America. She is also the owner of Mason Wealth Group, LLC, where she provides financial planning and advisory services. Gradient Advisors, LLC offers investment management, financial planning, and consulting services to a broad range of clients including individuals, pension and profit-sharing plans, trusts, estates, and corporations. The firm supports a network of 169 advisors and manages approximately $218.6 million in regulatory assets under management.

Jose Robles is a financial advisor with Navy Federal Investment Services, LLC in Pensacola, FL. He holds a Series 66 designation and has one year of industry experience. Prior to joining Navy Federal, he worked at Regions Bank and has held various roles in educational institutions and other businesses. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual investors and trusts, offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm uses model portfolios managed by third-party portfolio managers and provides account monitoring, rebalancing, and optional tax and impact overlay services.

Patrick Bryant is a CFP® with 16 years of experience in the financial services industry, currently affiliated with Navy Federal Investment Services, LLC. He has been with Navy Federal Brokerage Services since 2017 and has held roles within Navy Federal Financial Group and Navy Federal Investment Services since 2015. Outside of his advisory work, Bryant serves as a trustee for the Rehabilitation Foundation of Northwest Florida, a nonprofit focused on awarding funds to the physically disabled. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through both advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and maintains a dual registration as an SEC investment adviser and broker-dealer.

Christopher Albonetti is a financial advisor with Navy Federal Investment Services, LLC, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. Prior to joining Navy Federal in 2025, he worked at Guaranty Private Wealth, RedHawk Wealth Advisors, Fidelity Investments, VALIC Financial, TD Ameritrade, and Principal Securities. He serves as a board member of St. Benedict at Auburndale, advising on general school operations management. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management through advisory programs and brokerage channels. The firm is dual-registered as an SEC investment adviser and broker-dealer, offering portfolio management via third-party managers on the Envestnet platform and maintains affiliations with prominent sub-advisers such as BlackRock, Vanguard, and Goldman Sachs.

Stephen Schlichter is a financial advisor with Independence Square Holdings, LLC and holds a Series 63 designation. He has 41 years of industry experience, including prior roles at Private Advisor Group, LLC and LPL Financial, LLC. Independence Square Holdings, LLC provides investment advisory, financial planning, pension consulting, and portfolio management services to individuals, retirement plans, corporations, charitable organizations, and government entities. The firm employs a range of investment strategies including fundamental, quantitative, technical, and modern portfolio theory approaches, combining in-house portfolio management with third-party offerings and algorithmic tools.

Khoi Nguyen is a financial advisor with Navy Federal Investment Services, LLC, holding the ChFC® and Series 66 designations and bringing 16 years of industry experience. He has been with Navy Federal-affiliated firms since 2011. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm uses model portfolios managed by third-party portfolio managers and provides account monitoring, rebalancing, and optional overlay services.

Mary Mulcahy is a financial advisor with Empower Advisory Group in Gulf Breeze, FL, holding Series 63 and Series 66 registrations and 15 years of industry experience. Her prior roles include positions at Navy Federal Brokerage Services, Navy Federal Financial Group, TD Ameritrade, and Scottrade. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated platform tied to Empower’s recordkeeping and administrative systems. The firm’s approach emphasizes long-term portfolio returns, annual rebalancing, and client savings rates rather than short-term return forecasts.

Kent Lipham is a financial advisor with Benjamin F. Edwards & Company, Inc. He holds a Series 63 designation and has 30 years of industry experience. Lipham has been with Benjamin F. Edwards since 2014. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, pension plans, charitable organizations, and corporations. The firm offers a range of fee-based wrap programs, financial planning, and investment management services, employing both strategic and tactical investment approaches.

Matthew Reed is a financial advisor with First Command Advisory Services in Pensacola, FL. He holds Series 63 and Series 65 licenses and has one year of industry experience. Prior to joining First Command, he served six years in the United States Navy. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs using model portfolios managed by an internal Investment Management Team and Wealth Portfolio Managers.

Derek Ryder is a financial advisor with Truist Advisory Services in Pensacola, FL. He holds the Series 66 designation and has four years of industry experience. Prior to his current role, he worked at Truist Bank from 2014 to 2022. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program, using a combination of discretionary and non-discretionary approaches with oversight from an Equity Research team and an Investment Advisory Group.

Richard Casey is a financial advisor with Fifth Third Securities, Inc. in Gulf Breeze, Florida, holding Series 63, 65, and 66 licenses and 35 years of industry experience. His prior roles include eight years at J.P. Morgan Securities and a brief retirement before joining Fifth Third Securities and Fifth Third Bank in 2021. Outside of his advisory duties, he serves as president of Excellence Labs LLC, a consultative speaking business unrelated to securities. Fifth Third Securities serves a diverse client base including individuals, high-net-worth clients, institutions, and trusts through investment advisory and brokerage services. The firm offers multiple investment programs on its Passageway Managed Account platform, enabling tailored portfolio management solutions via third-party managers and advisor-directed strategies.