Luke Koehler is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. He has served in the United States Army since 2009 as a defense officer. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Adam Vafides is a financial advisor with Raymond James & Associates in Destin, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Guaranteed Rate and PrimeLending. 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 diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services.

Samuel Shackle is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience, including roles at PFS Investments Inc., Primerica Financial Services, and Gulf Winds Credit Union. Prior to entering financial services, he worked in education for several years. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and utilizes model-driven investment strategies managed by third-party asset managers.

Robert Wilson is a financial advisor with Raymond James & Associates in Destin, Florida, holding Series 63, Series 65, and Series 66 licenses. He has two years of industry experience, having previously worked at Safe Barriers North America LLC and as a self-employed professional. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing about $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Robert Runkle is a financial advisor with Morgan Stanley in Destin, Florida, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His prior roles include positions at Merrill and Bank of America, with over a decade at each, before joining Morgan Stanley in 2021. Outside of his advisory work, he serves on the board and investment committee of the Montgomery Museum of Fine Arts. Morgan Stanley Wealth Management provides advisory and brokerage services to both individuals and institutions, offering financial planning and investment programs supported by structured processes and advanced modeling tools.

Janice Bennett is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 credentials and having 42 years of industry experience. She has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

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.

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.