Paul Curtman is the sole advisor at P.R. Curtman Investments LLC, an independent advisory firm. He holds Series 66, 65, and 63 designations and has 10 years of industry experience. His prior work includes roles at Edward Jones and multiple positions with the State of Missouri. Outside of financial advising, he is the owner of E-5 Operations LLC, a media and guidance business focused on writing and leadership. P.R. Curtman Investments LLC manages approximately $15.7 million for around 34 clients, offering individualized investment management and comprehensive financial planning. The firm serves individuals, high-net-worth clients, corporations, and charitable organizations, employing a mix of fundamental, technical, and cyclical analysis in its investment approach.

John Ronderos Jr. is a Series 65-licensed financial advisor at VM. Group with three years of industry experience. Prior to founding VM. Group, he was self-employed as a trader and investor and briefly worked at Vinify. He publishes a public technical-analysis newsletter related to his firm’s investment strategies. VM. Group is an independent advisory firm offering discretionary investment management primarily through separately managed accounts to individuals, trusts, and small businesses. The firm employs quantitative value screening, proprietary technical analysis, and fundamental due diligence across strategies that include global equity value, commodity cycles, multi-asset allocation (including cryptocurrencies), and crypto-focused portfolios.

Danny Steele is a financial advisor at The Retirement Planners, USA, LLC with 15 years of industry experience. He holds Series 66, Series 63, and Series 65 credentials. His prior experience includes roles at Silver Oak Securities, Inc., First Heartland Capital Inc, and Pensacola State College. Outside of advising, he owns Steele Insurance Agency, which focuses on Medicare insurance sales and other insurance products. The Retirement Planners, USA, LLC provides personalized financial planning and investment management to individuals, high-net-worth clients, trusts, and small businesses. The firm offers ongoing portfolio management, retirement planning, and ERISA plan services using a variety of investment analysis methods and maintains a relatively large client base for its size.

Anthony Williams is the sole advisor at Sentinel Investment Planning, LLC in Milton, FL, holding a Series 65 designation with 20 years of industry experience. He has managed the firm since its founding in 2016. Sentinel Investment Planning is an independent advisory firm serving a very small client base of high-net-worth individuals with discretionary portfolio management. The firm employs a range of investment strategies including active and leveraged trading, conducting regular reviews and portfolio monitoring across various asset classes.

Caleb Guernsey is a financial advisor with Guernsey Financial, LLC in Pensacola, FL. He holds a Series 65 designation and has been with the firm since 2018. Prior to this, he was involved with Olive Baptist Church for one year and has a background in education. Guernsey Financial, LLC provides financial and retirement planning, consulting for employee benefit plans, portfolio analyses, and educational seminars primarily for individual and high-net-worth clients, including insurance companies. The firm partners with Matson Money for investment management, utilizing an evidence-driven approach based on Modern Portfolio Theory, the Fama–French Three-Factor Model, and the Efficient Market Hypothesis.

Wesley Odom is a financial advisor at Armada Advisors with 33 years of industry experience. He has been with Armada Advisors since 2009 and holds Series 63 and Series 65 designations. Outside of his advisory role, he owns and manages a tour company, Go Retro, and an importing business, Mr. Retro. Armada Advisors serves individual and corporate clients with portfolio management, retirement plan consulting, financial planning, real estate advisory, and trustee services. The firm employs a bottom-up, value-biased investment approach, emphasizing low turnover and tailored portfolios based on client goals, and offers a range of ancillary services including real estate reviews and retirement plan design.

Douglas Guernsey is the sole advisor at Guernsey Financial, LLC in Pensacola, FL, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities LLC and Guardian Life Insurance Co. of America. Guernsey also serves as Vice President of the Plantation Road Town Office Owners Association. Guernsey Financial, LLC provides financial planning, retirement planning, and consulting services primarily to individual and high-net-worth clients, including insurance companies. The firm uses an evidence-driven advisory approach and generally refers clients to third-party investment managers while maintaining client relationships and conducting ongoing reviews.

John Mugarian is a financial advisor with FamilyWealth Asset Management in Pensacola, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Mugarian Investment Group, LLC and Painewebber Incorporated since 2000. Outside of his advisory role, he manages a vacation property in Gatlinburg, Tennessee. FamilyWealth Asset Management serves a diverse client base including individuals, high-net-worth households, trusts, estates, pension and profit-sharing plans, foundations, and small businesses. The firm employs a multi-asset, dynamic investment approach that integrates passive, active, and alternative strategies, supported by a proprietary platform that facilitates model portfolios, SMAs, UMAs, and overlay management.

Shannon Hill is a financial advisor at Alpha Advisors, LLC with 12 years of industry experience. She holds a Series 65 designation and has been with Alpha Advisors since 2006. The firm serves individuals, business entities, trusts, estates, and charitable organizations, providing portfolio management, financial planning, and consulting services. Alpha Advisors constructs diversified portfolios using domestic and international equities, fixed income, tactical and alternative strategies, and also manages affiliated private limited partnerships that may be recommended to qualified clients.

Trevor Odom is a financial advisor at Armada Advisors in Pensacola, FL, holding a Series 65 designation with six years of industry experience. His work history includes roles at Beacon Global Advisor Network, deVere Group, and prior positions at Armada Advisors. Armada Advisors serves individual and corporate clients with portfolio management, retirement plan consulting, financial planning, real estate advisory, and trustee services. The firm employs a bottom-up, value-biased investment approach using proprietary valuation models and emphasizes portfolios tailored to client goals with a focus on tax efficiency.

Mark Hemby is a CFA® charterholder with five years of industry experience, currently serving at Saltmarsh Financial Advisors, LLC since 2020. Prior to joining Saltmarsh, he was involved with Table Needs, Inc. and Hemby Foods. Saltmarsh Financial Advisors, LLC provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm manages approximately $318.4 million across about 227 client relationships, employing an investment approach focused on asset allocation based on Modern Portfolio Theory and diversification across asset classes using both passive and active vehicles.

Heather Lovallo is a CFP® professional with six years of industry experience, currently serving at Wrenne Financial Planning LLC. She has worked at Wrenne Financial Planning since 2020, with prior experience at Katana Software, Inc. Outside of her advisory role, she serves on the finance committee of Cornerstone Baptist Church in Pace, FL, advising on the church budget and approving spending requests. Wrenne Financial Planning LLC is an SEC-registered firm with six advisors managing approximately $231 million for about 400 clients. The firm provides comprehensive financial planning and discretionary portfolio management, primarily using a passive investment approach with diversified portfolios of index mutual funds and ETFs.

Scott Klaassen is a financial advisor at Turner Financial Group, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Claraphi Advisory Network, LLC, Constellation Trust Company, and Northern Lights Distributors, LLC. Klaassen has been with Turner Financial Group since 2021. Turner Financial Group provides investment advice and financial planning to individuals, families, high-net-worth clients, and charitable organizations. The firm manages approximately $171 million in discretionary assets through a team of eight advisors, using model-based portfolio allocations and a combination of fundamental, technical, and cyclical analysis, along with offering planning-focused services and public educational seminars.

Christina Doss is a financial advisor at Saltmarsh Financial Advisors, LLC in Pensacola, FL, holding Series 63 and Series 66 licenses with 22 years of industry experience. She has been with Saltmarsh Financial Advisors since 2013. Outside of her advisory role, she owns a condo rental business in Pensacola. Saltmarsh Financial Advisors provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm emphasizes asset allocation based on Modern Portfolio Theory, employing both passive and active investment strategies with a multi-year time horizon.

Michael Hall is a CFP®-designated financial advisor with Saltmarsh Financial Advisors, LLC, located in Pensacola, FL. He has 22 years of industry experience, including roles at Charles Schwab Bank, Schwab Private Client Investment Advisory, Inc., and Charles Schwab. Saltmarsh Financial Advisors provides discretionary investment management and financial planning to individuals, families, trustees, pension plans, corporations, and small businesses. The firm uses an asset-allocation driven investment process grounded in Modern Portfolio Theory, offering diversified portfolios that combine passive and active funds and separately managed accounts.

Pierce Broscious is a financial advisor at Saltmarsh Financial Advisors, LLC in Pensacola, FL, holding a Series 65 credential with five years of industry experience. He has been with Saltmarsh Financial Advisors since 2019 and previously worked at Saltmarsh, Cleaveland & Gund and Paytech Commercial. Broscious attended the University of Georgia from 2014 to 2018. Saltmarsh Financial Advisors provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm emphasizes asset allocation based on Modern Portfolio Theory with a multi-year time horizon and utilizes both passive and active investment vehicles across diversified asset classes.

George Peaden is a Series 65-licensed financial advisor with Saltmarsh Financial Advisors, LLC in Pensacola, FL, where he has worked since 2001. He has 20 years of industry experience and is also associated with Saltmarsh, Cleaveland & Gund. Saltmarsh Financial Advisors, LLC provides investment management and financial planning services to individuals, families, fiduciaries, pension plans, corporations, and small businesses. The firm manages approximately $318 million in assets and employs an investment approach based on asset allocation and diversification, utilizing both passive and active strategies with a multi-year time horizon.

Andrew Tang is a financial advisor with Turner Financial Group, Inc., holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at Arete Wealth Advisors LLC and Claraphi Advisory Network, LLC. Outside of advising, he is involved in apparel business development for Real Snow Milk and serves as the principal content creator for EDIBLE econoMIX, a content channel providing economic and market commentary. Turner Financial Group serves individuals, families, high-net-worth clients, and charitable organizations through an eight-adviser team managing approximately $230 million in assets. The firm offers comprehensive financial planning, discretionary asset management using model portfolios, and sub-advisory services, employing a blend of fundamental, technical, and cyclical investment approaches.

Sarah Horne is a CFP® and Series 65-licensed financial advisor with Saltmarsh Financial Advisors, LLC, where she has worked since 2022. She has four years of industry experience, including prior roles at OneAmerica Securities and American United Life. Before entering the financial industry, she held academic positions at the University of West Florida, University of Alabama in Huntsville, and Auburn University. Saltmarsh Financial Advisors, LLC serves individuals and families, including high-net-worth clients, as well as fiduciaries, pension plans, corporations, and small businesses. The firm employs an investment approach based on Modern Portfolio Theory with a multi-year time horizon, emphasizing diversification through a mix of passive and active funds, ETFs, stocks, and bonds.

Alex Brumback is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and six years of industry experience. His prior work experience includes roles at J.P. Morgan Securities LLC, Cetera, and Capital One Bank. Outside of advising, he owns and operates two small businesses specializing in custom engraved accessories and selling prepared taco meals. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients. The firm offers financial planning, retirement-plan fiduciary services, and portfolio management through advisory programs and brokerage channels, utilizing third-party portfolio managers on the Envestnet platform.