Tracy Lardiere is a financial advisor with Raymond James & Associates in Destin, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. She has been with Raymond James & Associates since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad range of clients, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management strategies and research resources.

Daniel Feliz is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services with a range of portfolio management styles and affiliated research resources.

Michael Bedsole is a CFP® professional with 31 years of experience in financial advisory services. He has worked at Raymond James & Associates since 2021 and previously spent 18 years at SunTrust Investment Services, including five years at SunTrust Advisory Services. Outside of his advisory role, he is a partner in real estate ventures involving land development and property holdings in Crestview, Florida. Raymond James & Associates serves a broad client base, including individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a large adviser network and a range of portfolio management styles.

Richard Yoch is a financial advisor with Raymond James & Associates in Destin, Florida, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutional and pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by firm research and various portfolio management styles.

Richard Miller is a financial advisor with Wells Fargo Advisors holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. He also owns Rick Miller LLC, an investment-related business based in Niceville, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using Wells Fargo research and tools, integrating advisory services with other financial product offerings.

Luther Byrd is a financial advisor with Merrill in Fort Walton Beach, FL, holding a Series 63 designation and bringing 45 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of client types including individuals, high-net-worth clients, and institutions.

Kyle Davis is a financial advisor with LPL Enterprise holding a ChFC® designation and Series 65 and Series 63 licenses. He has 12 years of industry experience, with prior roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Regal Investment Advisors, and Integrity American Group. LPL Enterprise serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels, offering financial planning, consulting, and access to model portfolios and third-party asset management programs.

Amy Parrish is a financial advisor with LPL Financial in Destin, Florida, holding Series 63 and Series 65 licenses and 16 years of industry experience. Her prior roles include positions at Renasant Bank, The First National Banking Association, Raymond James Financial Services, First Florida Bank, and BB&T Investment Services. She is also a partner in Carolina Tide Rentals, LLC, managing a family rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs alongside research-supported model portfolios and institutional services.

Jared O Neal is a CFP® professional at Raymond James & Associates with 23 years of industry experience. He has worked at Raymond James since 2014 across multiple affiliated entities and held prior roles at First Florida Bank and First Protective. Neal serves as a trustee on the Destin Fire Department Retirement Board, providing fiduciary oversight of the board’s investment decisions for the retirement plan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal clients with financial planning, investment consulting, and institutional fiduciary solutions, employing a comprehensive range of portfolio management styles supplemented by firm research and model manager options.

Nancy Ungarino is a financial advisor with LPL Financial based in Santa Rosa Beach, FL, holding a Series 66 designation and seven years of industry experience. Her prior work includes five years at Edward Jones and experience in credit union and development sectors. She is also a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by proprietary and third-party research, offering both discretionary and non-discretionary management options.

Matthew Ridnouer is a financial advisor with Wells Fargo Clearing in Destin, FL, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

William Burns IV is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with strategies tailored to pursue their desired lifestyle and financial future. He collaborates closely with clients' attorneys and CPAs to develop tax-efficient strategies aligned with their overall wealth and estate planning objectives. His client focus areas include family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, portfolio management services, and tax minimization. Will Burns earned his Bachelor's degree from The University of the South and holds a Juris Doctorate degree from Belmont University, where he specialized in family law, estate planning, and business and tax law. He is an active member of the Tennessee Bar but does not provide legal advice in his role at Merrill. He holds the Professional Investment Advisor (PIA) designation. In addition to his professional work, William supports various charitable organizations and serves on the boards of Saddle Up!, Christ the King Episcopal Church Endowment, and the Loomis Charitable Foundation. He enjoys spending time with his family and engaging in activities such as golfing, antiquing, biking, cooking, hunting, and music.

William Yawn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with families, individual investors, and business owners to develop long-term financial strategies tailored to their personal goals and financial situations. William's approach involves analyzing clients' needs and goals, evaluating their overall financial situation, establishing time horizons and investment risk tolerance, and developing asset allocations based on these objectives. He creates and reviews personalized wealth management strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. William earned a Bachelor's Degree from the University of Memphis. He holds the Personal Investment Advisor (PIA) designation. Additionally, he follows the Merrill tradition of community involvement and volunteers with organizations in the communities he serves.

Christopher Finkler is a financial advisor with Raymond James & Associates in Destin, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a co-owner of a real estate brokerage and the managing member of a property management LLC that leases space to his practice and other tenants. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, investment consulting, and institutional fiduciary services, emphasizing tailored, software-driven analyses and a range of portfolio management styles.

Kenneth Rickelman is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes seven years at Commonwealth Financial Network and 21 years with Lincoln Financial Securities Corporation. Outside of his advisory role, he is an agent for Choice Benefit Plans, Inc., where he sells and services insurance products including life, health, fixed annuities, and disability insurance. 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 modeling tools, and supports advisory programs across a large network of advisors.

Mary Tinsley is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. She previously worked at Edward Jones for 11 years before joining LPL Financial in 2024. She also operates Tinsley Wealth Management, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Ted Densmore is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Wells Fargo Advisors since 2020 and previously held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2010 to 2020. Outside of his advisory role, he has ownership in two non-investment business entities with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold. The firm’s offerings include specialized planning services and integrate advisory with other financial product sales and affiliated services.

Nichole Rabon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Marion Everett is a financial advisor with Morgan Stanley in Destin, FL, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Everett is also the founder of Balsam Trees Consulting, LLC, an outside business activity she maintains alongside her advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through financial advisors as well as corporate financial planning agreements.

Brett Machtig is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He previously worked with United Planners Financial Services and has been involved with multiple advisory and insurance firms over his career. Machtig is also an author and owner of MGI Publications and American Training Videos, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.