⚖ Oral Arguments, with Context

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Alejandro Roche, Appellant v. TECO Energy, Inc., et al. — 11th Cir. (argued August 14, 2026)

No. 25-12050 Argued August 14, 2026 Published August 15, 2026; updated August 18, 2026

The Eleventh Circuit considers whether TECO Energy had to warn retirement-plan participants that rising interest rates could sharply reduce pension lump sums. Alejandro Roche worked for TECO for about thirty-three years. He planned to retire in December 2022, but the plan's ninety-day notice rule moved his payment into January, cutting his estimate from about four hundred eighty-three thousand dollars to about three hundred ninety-seven thousand. Roche says ERISA, the federal law governing employee benefit plans, imposed duties of loyalty and care that required a warning. TECO says it followed the law's specific disclosure rules and had no duty to offer unsolicited financial advice. The district court dismissed Roche's proposed class action with prejudice.

Alejandro Roche, Appellant v. TECO Energy, Inc., et al. (No. 25-12050) — U.S. Court of Appeals for the Eleventh Circuit, argued August 14, 2026.

Sources
Argument audio — U.S. Court of Appeals for the Eleventh Circuit (public domain, 17 U.S.C. § 105):https://www.ca11.uscourts.gov/sites/default/files/oral_argument_recordings/25-12050_08142026.mp3
Argument listing — U.S. Court of Appeals for the Eleventh Circuit:https://www.ca11.uscourts.gov/oral-argument-recordings?page=0
Final district-court dismissal order — Justia mirror:https://cases.justia.com/federal/district-courts/florida/flmdce/8%3A2023cv01571/416242/82/0.pdf
Prior district-court order and pension calculations — Justia mirror:https://cases.justia.com/federal/district-courts/florida/flmdce/8%3A2023cv01571/416242/62/0.pdf
Appellate docket and counsel record — Justia:https://dockets.justia.com/docket/circuit-courts/ca11/25-12050
ERISA fiduciary duties — 29 U.S.C. § 1104:https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title29-section1104&num=0&edition=prelim
Counsel profile — Eva T. Cantarella, Hertz Schram:https://www.hertzschram.com/attorney/eva-cantarella/
Counsel record — Eva T. Cantarella, Hertz Schram:https://www.opn.ca6.uscourts.gov/opinions.pdf/21a0068p-06.pdf
Counsel profile — René E. Thorne, Jackson Lewis:https://www.jacksonlewis.com/people/rene-e-thorne
Federal counsel record — René E. Thorne, Jackson Lewis:https://ecf.txwd.uscourts.gov/cgi-bin/addrbook.cgi?LT=T

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