Ruddie Powell is a CFP® with four years of industry experience, currently advising at Navy Federal Investment Services, LLC. His career has been focused within the Navy Federal Financial Group and its affiliated entities since 2019, with prior work experience in the automotive industry. Navy Federal Investment Services serves members of Navy Federal Credit Union alongside individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm relies on managed advisory programs that utilize third-party portfolio managers and offers layered solutions including unified managed accounts and automated ETF portfolios.

Brandon Baum is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Equitable Advisors, LLC, and service in the United States Army Reserve, where he currently serves as a 2nd Lieutenant in the Quartermaster Corps. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options through managed advisory programs and third-party portfolio managers.

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-credentialed financial advisor with six years at Navy Federal Investment Services, LLC and related entities, and a total of four years in the financial industry. Prior to his current role, he worked for the Florida Department of Corrections for three years. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients by offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily delivers advice through managed advisory programs that utilize third-party portfolio managers and supports layered solutions including unified managed accounts and digital automated ETF portfolios.

Michael Crouch is a financial advisor at Cyndeo Wealth Partners with 13 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill from 2013 to 2022. Cyndeo Wealth Partners serves individuals, families, corporations, and business owners by providing portfolio management, financial planning, family office services, and financial consulting. The firm manages approximately $2.58 billion and employs customized investment strategies across various asset classes, integrating its advisory services with business consulting for middle-market clients.

Christian Early is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and four years of industry experience. His career includes roles within various branches of Navy Federal, as well as prior experience in retail and education sectors. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients by offering portfolio management, financial planning, and retirement-plan fiduciary services. The firm employs managed advisory programs featuring third-party portfolio managers on the Envestnet platform and provides both advisory and commission-based implementation options.

Jeremy Fowler is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Navy Federal Investment Services, LLC and Navy Federal Financial Group, LLC since 2017. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients by offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options. The firm primarily delivers advice through managed advisory programs that utilize third-party portfolio managers and supports a range of solutions including unified managed accounts and digital automated ETF portfolios.

Nafees Alam is a CERTIFIED FINANCIAL PLANNER™ professional with eight years of industry experience. He is currently an advisor at Strategic Blueprint, LLC and has previously worked at FamilyWealth Advisers, LLC, Wells Fargo Advisors, LLC, and Regions. Strategic Blueprint, LLC is an SEC-registered investment adviser serving individuals, including high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers a range of services including portfolio management, financial planning, retirement plan consulting, and educational seminars, using customized, goal-based strategies and a formal Subscription Advisory Services program that provides ongoing planning for a flat annual fee.

Martina Mason is a financial advisor at Gradient Advisors, LLC with four years of industry experience. She holds a Series 65 credential and has held advisory roles at Mason Wealth Group LLC, where she remains active, as well as at Sound Income Strategies LLC, Market America, and Iron Plan Solutions Group, LLC. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals, retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm operates primarily through a network of Investment Advisor Representatives and third-party money managers, using a largely non-discretionary model supported by fundamental, technical, and cyclical portfolio analyses.

Jose Robles is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Navy Federal Financial Group and Regions Bank. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, and retirement-plan fiduciary services primarily through managed advisory programs that utilize third-party portfolio managers. The firm combines advisory and commission-based services through its affiliation with a banking and credit-union group.

Mitchell Whitenack is a financial advisor with Exodus Wealth, LLC and holds a Series 66 designation. He has 17 years of industry experience, including roles at Fortune Financial Services and Prosperity Wealth Management, Inc. Exodus Wealth serves individuals, including high net worth clients, as well as trusts, estates, charitable organizations, and pension plans, offering asset management, financial planning, and consulting services. The firm employs a diversified investment approach with discretionary portfolio management and periodic rebalancing, managing several hundred million dollars in assets.

Patrick Bryant is a CFP® with 16 years of industry experience, currently advising at Navy Federal Investment Services, LLC. He has worked with Navy Federal and its affiliated entities since 2015 and has prior experience at firms including Morgan Keegan & Company and LPL Financial. Bryant serves as a Trustee for the Rehabilitation Foundation of Northwest Florida, where he participates in funding decisions for disability-related support. Navy Federal Investment Services provides financial planning, portfolio management, and retirement-plan fiduciary services to members of Navy Federal Credit Union, as well as individual, trust, and institutional clients. The firm primarily offers advice through managed advisory programs utilizing third-party portfolio managers and also supports automated investment solutions.

Christopher Albonetti is a financial advisor with Navy Federal Investment Services, LLC, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior roles include positions at Guaranty Private Wealth, Redhawk Wealth Advisors, Fidelity Investments, and TD Ameritrade. Outside of his advisory work, he serves as a board member for St. Benedict at Auburndale, a private high school, where he advises on general school operations. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering managed advisory programs that utilize third-party portfolio managers, financial planning, and various investment solutions delivered through both advisory and commission-based channels.

Stephen Schlichter is a financial advisor with Independence Square Holdings, LLC in Pensacola, FL, holding a Series 63 designation and 41 years of industry experience. His career includes roles at Private Advisor Group, LPL Financial, FSC Securities Corporation, and Main Line Financial Advisors. Independence Square Holdings serves individuals, retirement plans, and institutional clients through financial planning, portfolio management, pension consulting, and ERISA advisory services. The firm operates as a multi-team adviser offering discretionary and non-discretionary management, model portfolios, and access to third-party managers and advisory programs, utilizing a blend of customized and algorithm-driven investment solutions across a broad range of asset classes.

Luke Zumbusch is a financial advisor with Inspire Advisors, LLC, holding a Series 65 license and two years of industry experience. Prior to joining Inspire Advisors in 2023, he served 12 years in the United States Marine Corps. He is currently a Naval Aviator and flight instructor in the United States Navy Reserves and also works as a contract instruction pilot for Flight Safety International. Inspire Advisors, LLC is a multi-advisor registered investment adviser managing approximately $1.03 billion for about 3,800 clients, including individuals, institutions, and charitable organizations. The firm integrates Biblically Responsible Investing using proprietary scoring and screening tools and employs a mix of quantitative and fundamental strategies, often implementing portfolios through model allocations and proprietary ETFs.

Khoi Nguyen is a financial advisor at Navy Federal Investment Services, LLC with 17 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Navy Federal in 2011, he worked at Edward Jones for two years. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, providing portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options through managed advisory programs and third-party portfolio managers.

Brittany Brower is a Series 66 licensed financial advisor with Truist Advisory Services. She has six years of industry experience, including roles at Truist Advisory Services and SunTrust Bank. Outside of finance, she is the managing member of a plumbing and gas services business in Milton, Florida. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation analysis, fiduciary support, and manager-selection programs, using a combination of discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

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.

Bessann Watson is a CFP® with 21 years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. She has spent her career primarily with these firms, beginning in 2005. Outside of her advisory role, Watson is involved in several business activities including consulting through Abbey Road Financial, LLC, serving as an executor for an estate, and researching captive insurance arrangements for clients. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of brokerage, financial planning, and retirement plan consulting services, with advisory options that include discretionary and non-discretionary management using both in-house and third-party model portfolios.

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.