Tammy Hall is a financial advisor with Raymond James Financial, holding PFS™ and Series 63 credentials and possessing 27 years of industry experience. She has been with Raymond James Financial since 2000 and previously worked at First Federal Financial Services Corporation from 1998 to 2005. Outside of her advisory role, she serves as Treasurer of a homeowners association and acts as Durable Power of Attorney for family members. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and supports a broad network of advisors and affiliated firms.

Charles Cowen Jr. is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds a Series 66 designation and has been with Raymond James Financial Services since 2012. Outside of his advisory work, Cowen is a partner at an accounting firm and serves on the boards of several nonprofit organizations, including the United Way of Suwannee Valley and the University of Florida Christian Campus House. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and consulting, supported by analytical modeling and a range of advisory programs.

Angela Oglesby is a Series 66-licensed financial advisor with Raymond James Financial in Lake City, FL, with six years of industry experience. She has been associated with various branches of Raymond James since 1999. Outside of her financial advisory role, she owns a jewelry business called Dream A Little Gem. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, and institutions. The firm delivers tailored, non-discretionary advice using advanced analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Lauren Beadles is a financial advisor with Raymond James Financial Services Inc. in Lake City, FL, holding a Series 66 designation and five years of industry experience. She previously worked at Campus USA Credit Union for three years. In addition to her advisory role, Beadles serves as co-treasurer for the Eastside Elementary School PTO. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting, utilizing analytical tools and risk profiling to support client goals.

Erin Spiwak is a financial advisor with Raymond James Financial possessing a Series 65 credential and 13 years of industry experience. She has worked at Avantax Planning Partners, Inc. for 14 years and maintains a role as a shareholder and accountant at James Moore & Co., P.C., a regional CPA firm providing tax, consulting, and valuation services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs non-discretionary planning and investment consulting tailored to client goals, utilizing analytical tools like risk profiling and probability modeling, and supports advisory programs along with specialized municipal and retirement plan consulting services.

Katie Sessions is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. She has worked at Raymond James Financial Services, Inc. since 2016 and is currently associated with Moses Wealth Advisors, LLC. In addition to her advisory role, she is compensated by the CPA firm Odom Moses & Company for her services to the Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm uses fact-finding, risk profiling, and analytical tools to tailor non-discretionary planning and investment consulting to client goals.

Clarence Brown is a financial advisor at Raymond James Financial in Lake City, FL, holding CFP® and Series 66 designations with 20 years of industry experience. He has served as a board member of the First Presbyterian Church since 2016 and is involved in several trustee roles managing family trusts. He is also a partner at Odom Moses & Company, LLP, an accounting firm. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, institutional, and nonprofit clients. The firm offers tailored advisory services through a broad network, including municipal and public-finance work, and employs analytical tools to support client goal-based planning.

Christy Milligan is a financial advisor at Raymond James Financial with five years of industry experience. She holds the Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2022 and Raymond James Financial Services, Inc. since 2018. Milligan was previously self-employed for 11 years and has a role affiliated with an LLC through which financial services are provided. Raymond James Financial Services Advisors, Inc. delivers financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by risk profiling and advanced analytical tools and offers various advisory programs alongside its institutional consulting and portfolio management services.

Philip Moses Jr. is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds a Series 66 designation and has been affiliated with Raymond James since 1997, also operating Moses Wealth Advisors and Low Angle Group LLC. Outside of his advisory work, Moses serves as president of the finance council at Epiphany Catholic Church and is vice chairman of the board of directors for First Federal Bank. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, and institutions. The firm employs tailored, non-discretionary consulting supported by risk profiling and analytical tools, and it maintains unique capabilities such as municipal advisory services and a SIMPLE IRA Employer Advisory program.