Marissa Pennings is a Series 66-licensed financial advisor with J.W. Cole Advisors, Inc. in Tampa, FL. She has been with the firm since 2026 and has prior experience including roles at Epic Systems and TD Bank. Pennings also has involvement with Hitters Tennis Club. J.W. Cole Advisors operates a large network of independent advisors and provides fee-based portfolio management, financial planning, and retirement plan services for individuals, high-net-worth clients, and institutions. The firm offers various managed program options and access to third-party investment platforms.

Cameron Barrier is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior work experience at Penn Mutual Life Insurance Company, TQL, and FedEx. In addition to his advisory role, he is active as an insurance agent specializing in insurance sales and service, including Penn Mutual life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services and manages approximately $8.37 billion in discretionary assets under management.

Andrew Martin is a CFP® with 13 years of industry experience, currently affiliated with Citigroup Global Markets since 2022. His prior experience includes roles at Fisher Investments, Independent Financial Partners, Raymond James, Citizens Securities, and Merrill. Outside of his financial advisory work, he owns and operates Martin Security Training, providing martial arts instruction, self-defense, firearm safety, and cybersecurity basics for seniors. 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 combines large institutional scale with unique market roles, implementing multi-asset, multi-manager strategies through both discretionary and non-discretionary programs.

Matthew Walden is a ChFC® and Series 65-licensed financial advisor with 21 years of industry experience. He has been with J.W. Cole Advisors, Inc. and J.W. Cole Financial since 2011. Outside of his advisory role, he serves as president of a homeowners association, handling administrative duties related to condominium expenses. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, implementing investment decisions on both discretionary and non-discretionary bases.

David Duquette is a financial advisor with Primerica Advisors based in Odessa, FL, holding a Series 66 designation and 11 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 2014. Outside of his advisory role, he is involved with DHAPPS, LLC. Park Avenue Securities LLC serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various asset classes and account structures.

Howard Brown is a financial advisor with Eagle Strategies (NY Life) based in Tampa, FL. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to joining Eagle Strategies, he was involved with Crystal Clear Financial Group, LLC and NYLife Securities LLC. Outside of finance, he owned and operated a full-service lawn care business for seven years. Eagle Strategies serves a broad range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services. The firm provides advice through multiple program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria.

Ryan Robinson is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at SEI Investments Company, Merrill, and Bank of America. Outside of his advisory role, he is the owner of Night Lights Designs LLC, a business for which he provides strategic guidance. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles and commercial arrangements.

Howard Adcock is a financial advisor with Kestra Advisory in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Kestra Advisory and related entities since 1997 and leads The Adcock Financial Group, which he founded in 1996. Outside of his advisory work, Adcock serves on the boards of St. Joseph's Children's Hospital Foundation, St. Joseph's Baptist Hospital, and the Florida Aquarium, and he is chair of the Greater Tampa Bay Chamber. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering fiduciary consulting, plan design, and investment advice supported by in-depth due diligence. The firm serves large institutional investors and offers access to multiple management platforms and pooled employer plan arrangements.

Assen Kuklin is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. He previously worked at Dempsey Lord Smith, LLC, Arkadios Wealth Advisors, Arkadios Capital, Skyway Capital Markets, LLC, and SQN Securities, LLC. Kuklin is also an officer and director of Wealth Retirement Solutions, a marketing DBA for a financial advisory office. Independent Financial Group, LLC provides advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers a range of portfolio management and financial planning services using both firm- and third-party models with a combination of passive and active investment strategies.

Carlos Hernandez is a CFP® professional with 26 years of industry experience. He has been with Valic Financial Advisors since 2001 and also holds a position with Agia involving non-securities insurance products. Based in Tampa, FL, Hernandez holds Series 63 and Series 66 licenses. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Jerry Bulaclac Jr. is a financial advisor with Independent Financial Partners in Tampa, FL, holding a Series 66 designation and 21 years of industry experience. He has worked with Independent Financial Partners since 2012 and previously with LPL Financial from 2012 to 2019. He is also involved with RadiantVest, advising clients on portfolio management, retirement income planning, and wealth transfer strategies. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm serves individual, charitable, corporate, and high-net-worth clients with a decentralized advisory model, offering both discretionary and non-discretionary management and specialized retirement-plan advisory and pension consulting services.

Alejandro Goicoechea is a financial advisor with Truist Advisory Services in Tampa, FL, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has worked with Suntrust Advisory Services and Suntrust Investment Services since 2016 and Suntrust Bank since 2013. Outside of his advisory role, he is employed in a casual dining restaurant as kitchen help. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager selection services, using a combination of discretionary and non-discretionary approaches supported by inter-affiliate integration and AI-enabled research tools.

Alexander Pedraita is a financial advisor at J.W. Cole Advisors, Inc. with nine years of industry experience. He has previously worked at Fisher Investments and U.S. Bancorp Investments, Inc., among other firms. His background also includes five years at J. Alexander's Restaurant Group. J.W. Cole Advisors operates a large network of independent investment adviser representatives and provides fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms. The firm serves individuals, high-net-worth clients, and institutional accounts with a range of discretionary and non-discretionary investment strategies.

Steven Sellers is a financial advisor at Oppenheimer with 29 years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Oppenheimer in 2015, he worked at Ameriprise and A. G. Edwards & Sons, Inc. Oppenheimer is a registered investment adviser and broker-dealer serving individuals, corporations, pension and profit-sharing plans, charitable organizations, and IRAs. The firm offers a range of investment programs and advisory services, including discretionary and non-discretionary portfolio management, consulting, and retirement services.

Eric Beadle is a financial advisor with J. W. Cole Advisors, Inc. in Tampa, FL, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior experience includes 13 years at UBS Financial Services and roles at Securities America and Investacorp. Outside of advising, he served as an administrative assistant and is a treasurer and board member for a homeowners association. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

William Hornbeck is a financial advisor at Citigroup Global Markets with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates, Bank of America, and Merrill. He is based in Tampa, FL. 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 using internal oversight committees to select and monitor managers, and it operates with large institutional scale and unique market roles, including derivatives and futures services.

Brian Groh is a financial advisor with J. W. Cole Advisors, Inc. in Tampa, FL, holding Series 63 and Series 66 licenses and with 20 years of industry experience. He has been with J.W. Cole Advisors and its affiliated entity since 2011. Outside of his advisory role, he is involved in fixed insurance sales and serves as a trustee for an irrevocable trust for his parents. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent advisers. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions employing both discretionary and non-discretionary investment approaches.

Nicholas Halchak is a financial advisor with United Planners Financial Services of America and holds the Series 66 credential. He has five years of industry experience, with prior roles at Securities America, Inc. and Investacorp, Inc. Outside of his advisory work, he has been involved with Warren Willis United Methodist Camp for several years. United Planners Financial Services is a national wealth-management enterprise serving a broad client base including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services primarily through independent Investment Adviser Representatives and manages both discretionary and non-discretionary accounts using various custodians and third-party money managers.

William Daines is a CFP® professional with 11 years of industry experience, currently serving at Principal Financial Services in Tampa, FL. He has held roles at Principal Life Insurance Company and Principal Securities, Inc. since 2015 and 2016 respectively, alongside operating Daines Financial since 2019. His credentials also include the Series 66 license. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Riley Newman is a financial advisor at Independent Financial Partners in Tampa, FL, holding Series 63 and Series 66 designations with one year of industry experience. Prior to joining IFP Securities, LLC, Riley worked at Charles Schwab & Co., Inc. and has a diverse background including roles at Northrop Grumman and Health First Medical Group. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm serves individual, charitable, corporate, and high-net-worth clients with a decentralized advisory model and is notable for its retirement-plan advisory and pension consulting capabilities.