Robert Ford IV is a CFP®-credentialed financial advisor with 14 years of industry experience, currently practicing at LPL Financial since 2018. His prior experience includes roles at USAA Financial Advisors and Fidelity Bank. He also engages in online teaching at Southern New Hampshire University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, banks, and charitable organizations. The firm provides a wide range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by extensive research and model portfolio options.

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 at various Wells Fargo entities since 2016, including Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of his role at Wells Fargo, he is the owner of NEXT CHAPTER CAPITAL ADVISORS, LLC, an investment advisory firm based in Pensacola, FL. Wells Fargo Advisors is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

De Shana Williams Harbaugh is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 66 designations and 11 years of industry experience. Her prior roles include positions at Fidelity Investments and Fidelity Personal and Workplace Advisors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing financial planning through structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and via Corporate Financial Planning agreements.

Timothy Letsch is a financial advisor with Ameriprise in Gulf Breeze, FL, holding a Series 66 designation and 10 years of industry experience. He previously worked at Edward Jones for nine years before joining Ameriprise in 2024. Outside of his advisory role, he owns a business that buys and resells event tickets online. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations primarily for clients maintaining assets in Ameriprise-managed accounts.

Monica Sherman is a financial advisor with Raymond James & Associates in Pensacola, FL, holding the PFS™ designation and Series 66 license. She has 19 years of industry experience, including roles at Hancock Bank and Cetera Investment Services. Sherman serves on the boards and finance committees of two local nonprofit organizations focused on arts, culture, and healthcare in Pensacola. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm provides financial planning and non-discretionary investment consulting to a diverse client base, including individuals, institutions, and municipalities, utilizing risk profiling, software-driven analyses, and a variety of portfolio management styles.

Jennifer Johnson is a financial advisor with Stifel in Pensacola, FL, holding Series 63, 65, and 66 licenses and bringing 10 years of industry experience. She previously worked at McMahon & Hadder and has served on the board of the Lavallet Townhome Association. Jennifer participates in quarterly meetings to discuss neighborhood improvements. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Jason Fuller is a financial advisor at Cetera with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial and Regions Bank, among other firms. He serves as the treasurer of the Kiwanis Club, dedicating one hour per week to this community role. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and advisory services through a large network of independent advisors and provides access to multiple investment platforms and third-party managers.

Kellie Graham is a financial advisor at Edward Jones in Pensacola, FL, holding Series 63 and Series 66 credentials with 14 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Weston Cramer is a Series 66 licensed financial advisor with Equitable Advisors in Pensacola, FL, where he has worked since 2013. He has 12 years of industry experience, including prior service with Axa Advisors, LLC. Outside of his advisory role, he serves as a trustee for several family-owned trusts and grocery retail businesses, and he volunteers as a puppy raiser for Canine Companions, training future service dogs. 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 a hybrid model that includes third-party asset managers and brokerage/insurance channels.

Judith Prim is a Senior Financial Advisor at Merrill Lynch Wealth Management. She offers personalized financial strategies focused on clients' goals and priorities, providing guidance that adapts to changing needs and market conditions. Judith works with clients on areas including education planning, family wealth management, institutional and corporate benefit services, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. Judith holds the Certified Plan Fiduciary Advisor® (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. She earned her bachelor's degree from the University of Florida. She follows a disciplined process that begins with understanding each client's financial situation and what matters most to them. Outside of her professional work, Judith is involved in her community through membership in the Five Flags Rotary Club and volunteering with the Pensacola Humane Society. Her personal interests include cooking, hiking, photography, reading, traveling, and yoga.

Frank Pesce III is a CFP®-credentialed financial advisor with Edward Jones in Pensacola, FL, where he has worked since 2016. He has 10 years of industry experience. Outside of his advisory role, he serves as the race director for an annual 5K event held in honor of a late family member through a volunteer position with The Last Mile in Cantonment, FL. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

John Hazim is a Series 66-licensed financial advisor with Thrivent Investment Management in Pensacola, FL. He joined Thrivent in 2026 and previously worked at Florida Blue and Covenant Care. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing comprehensive written recommendations on topics such as retirement, taxes, and estate planning. The firm combines goal-based planning with managed-account programs under a consolidated billing option but does not provide discretionary trading authority for its planning services.

Yu Mei Williamson is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and 25 years of industry experience. She works at a large institutional firm with over 12,000 advisors. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria. The firm provides written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies, combining research, modeling, and tax-efficiency analysis to support clients’ retirement planning.

Garry Hill Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. He has been with Cambridge since 2015. Outside of his advisory work, he serves as treasurer for the Banana Bay HOA in Perdido Key, FL, and is a board member of the Hollywood Manor Circle HOA in Birmingham, AL. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals. The firm employs a variety of portfolio management strategies, including proprietary and third-party models, and provides both discretionary and non-discretionary investment implementation tailored to client objectives.

George Fontaine Jr. is a financial advisor with Wells Fargo Advisors in Pensacola, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo Advisors, he worked six years at Troy City Schools and six years at Bay District Schools. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce.

Bethany McDonald is a Senior Vice President, Wealth Management Advisor, and Portfolio Manager at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2012 and brings a comprehensive approach to financial planning by integrating investing, banking, and lending services through Bank of America. Bethany focuses on understanding her clients personally to tailor financial strategies that address their unique needs and goals. Bethany began her career in the financial services industry in 2005, with experience in underwriting, lending, and personal banking. She holds a Bachelor of Arts in Business Administration from Mississippi University for Women, graduating in 2005, and an Associate of Arts in Business from Cumberland University, completed in 2004. She has earned professional designations including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional pursuits, Bethany enjoys cooking, drawing and sketching, music, photography, swimming, watching movies, and spending time with her family. She resides in Pensacola, Florida with her husband and three children.

Christopher Brownson is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop strategies aimed at achieving their short-, mid-, and long-term goals. His services include general investing, retirement planning, and preparing for unexpected financial needs. Christopher also facilitates access to specialists in banking, credit, home financing, and small business solutions through Bank of America. With expertise in managing diverse financial demands such as home buying, college savings, elder care, and healthcare preparation, Christopher collaborates one-on-one with clients to define goals and tailor portfolio strategies accordingly. He provides ongoing advice and adjusts strategies to accommodate changes in clients' situations. Christopher holds a Bachelor's Degree and two Master's Degrees from Troy University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).