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 at Raymond James & Associates with 38 years of industry experience. He holds the Series 63 and Series 65 designations and 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 diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and consulting services that are generally non-discretionary, supported by a range of portfolio management styles and affiliated research.

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 at Merrill with 46 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America since 2009, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Davis is a financial advisor with LPL Enterprise holding the ChFC® designation and Series 63 and 65 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 provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors as well as institutional clients, using model-driven investment approaches and access to third-party asset managers and insurance products through affiliated entities.

Amy Parrish is a financial advisor with LPL Financial in Destin, FL, holding Series 63 and Series 65 credentials and having 16 years of industry experience. Her career includes roles at Raymond James Financial Services, First Florida Bank, Renasant Bank, and The First, A National Banking Association. Outside of her advisory work, she is involved in a family rental real estate business generating income to cover property expenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and more than $819 billion in discretionary assets.

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 in Santa Rosa Beach, FL, holding a Series 66 designation and seven years of industry experience. Her work history includes roles at Edward Jones and All In Credit Union. She is also a commissioned Notary Public. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives.

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 specializes in family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, portfolio management services, and tax minimization. In his role, William works closely with clients' attorneys and CPAs to develop tax-efficient strategies that align with their overall wealth and estate planning objectives. He is committed to delivering investment insights and leveraging a global network of specialists to support clients' financial goals. William holds a Bachelor's degree from the University of the South and earned his Juris Doctorate from Belmont University College of Law in 2016, with a focus on family law, estate planning, and business and tax law. He is an active member of the Tennessee Bar, although he does not provide legal advice in his role at Merrill. William holds the Personal Investment Advisor (PIA) designation. He is actively involved in community organizations and serves on the boards of Saddle Up!, Christ the King Episcopal Church Endowment, and the Loomis Charitable Foundation. William enjoys spending time with his two children, playing golf, trying new restaurants, and enjoying a glass of wine.

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 at LPL Financial with 13 years of industry experience, including 11 years at Edward Jones prior to joining LPL in 2024. She holds a Series 66 designation and operates in Fort Walton Beach, FL. Tinsley is involved with Sand and Shore Financial LLC, doing business as Tinsley Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions supported by a large network of investment adviser representatives and extensive operational resources.

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.