James Bricker is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience dating back to 2015, including eight years at Navy Federal Credit Union. He joined Wells Fargo Clearing in 2024. 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kent Herring is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His career includes longstanding roles at Cambridge Investment Research Advisors since 2015 and Chemical Associates since 2001. Outside of his advisory work, Herring serves as vice president of Herring Brothers, Inc., a timber sales company, and is treasurer of the Gulf Breeze Optimist Club, a local nonprofit organization. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using various portfolio management strategies and custody platforms.

Steven Junge is a financial advisor at Equitable Advisors with 26 years of industry experience. He holds the ChFC®, Series 65, and Series 66 designations. His career includes long tenures at Equitable Distributors and Axa Distributors. Outside of his advisory role, he serves as Power of Attorney and Executor for his mother. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models and emphasizing fiduciary services for qualified plans.

Ryan Osborn is a Series 66-licensed financial advisor with Morgan Stanley in Pensacola, FL, bringing 22 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including comprehensive financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Scott Shanks is a CFP® professional with 23 years of experience in the financial services industry. He has been with Edward Jones since 2003. Outside of his advisory role, he is a managing member of Red Lodge Investments LLC, a real estate holding company. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, supported by a large nationwide network of financial advisors and branch offices.

Michael Camferdam is a CFP® with 40 years of industry experience, currently serving at Osaic Wealth, Inc. since 2023. He previously worked at Royal Alliance for 10 years. Outside of his advisory role, he owns a sole proprietorship involved in crop planting and harvesting. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and investment advisory services, utilizing various portfolio construction tools and offering access to multiple third-party managed account solutions.

Keith Allen is a financial advisor with Mass Mutual Investors Services and holds a Series 63 designation. He has 27 years of industry experience, including roles at Metlife Securities Inc. and Massachusetts Mutual Life Insurance Company. He operates a business under the DBA Buttonwood Financial Services. Mass Mutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charities, and employers. The firm offers collaborative, annual planning engagements using firm-approved analysis tools and supports specialized offerings such as estate-settlement and divorce planning.

Jeffrey Brooks is a Series 66-licensed financial advisor with Morgan Stanley in Pensacola, FL, bringing five years of industry experience. Prior to joining Morgan Stanley in 2020, he spent 14 years at International Paper Company. Brooks currently works within Morgan Stanley’s Private Bank and Smith Barney divisions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market outlook models.

Petya Hamilton is a Series 66-licensed financial advisor with Morgan Stanley, based in Pensacola, FL, and has six years of industry experience. Prior to joining Morgan Stanley in 2019, Petya worked at SunTrust Bank and The Bank of New York Mellon. She also has experience outside the financial sector, having been involved with Fosko Coffee Barre in 2018. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including customized financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through employer corporate financial planning agreements.

Robert Alft is a financial advisor with Raymond James & Associates based in Pensacola, FL, holding the Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Raymond James Financial, and Gulf Wind Federal Credit Union. He has ownership interests in several investment-related businesses, including The Wealth Advisors of the Gulf Coast Inc. and Alft, Watters Elmore Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers tailored financial planning and investment consulting services, combining proprietary research and multiple portfolio management styles while maintaining primarily non-discretionary client relationships.

Jacey Cosentino is a CFP® professional with seven years of experience in the financial industry, currently serving as an advisor at Edward Jones since 2023. Prior to this, Cosentino worked at Morgan Stanley and Morgan Stanley Private Bank, N.A., and held leadership responsibilities at Sunday's Child, a nonprofit organization in Pensacola, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Steichen is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Bank since 2020, following five years at Regions Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of investment products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

James Johnson is a financial advisor with Edward Jones in Pensacola, FL, holding a Series 66 designation and 17 years of industry experience. He has been with Edward Jones throughout his career since 2009. Outside of advising, Johnson performs as a singer at parties, weddings, funerals, and other special events. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Robert Ford IV is a CFP® professional with 14 years of industry experience. He has worked at LPL Financial since 2018, following roles at Fidelity Bank and USAA Financial Advisors. In addition to his advisory work, Ford teaches online courses at Southern New Hampshire University. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and a range of operational and research tools.

Rhett Fendley is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has worked with LPL Financial since 2010 and previously spent one year at Guardian Life. Outside of his advisory role, he developed a real estate investment company with his father, although it has not been active since its inception. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Carl Willert is a financial advisor at Stifel with 23 years of industry experience and a Series 66 credential. He has been with Stifel since 2009. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment strategy developed by its Investment Strategy Group.

William Van Voorhis is a financial advisor with Morgan Stanley in Pensacola, FL. He holds Series 63 and Series 65 designations and has one year of experience as an advisor. His prior work includes roles at DoorDash and Sterling Wealth Advisors, as well as involvement with Liberty University’s Center for Financial Literacy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including financial planning supported by structured discovery processes and firm-approved tools.

Ignacio Salazar is a financial advisor with Merrill, holding a Series 66 designation and based in Pensacola, FL. He has been with Merrill since 2017 and also has experience at Bank of America, N.A. since 2025. Prior to his financial services career, he worked at LA Fitness and The Coliseum Motors. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nathan Babb is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. He holds the Series 66 designation and has worked previously at Edward Jones and Wells Fargo Clearing. He is also the owner of Next Chapter Capital Advisors, LLC, an investment advisory firm based in Pensacola, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting net-worth thresholds, utilizing proprietary research and tools to develop customized recommendations.

Lowell Hesser is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Independent Financial Partners and Wells Fargo Clearing. Outside of his advisory role, he works as a medical technologist at West Florida Hospital, performing patient testing after hours. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.