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 in Destin, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His career includes roles at United Planners Financial Services and management of multiple advisory and insurance service entities. He is also an author and owner of American Training Videos, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a broad network of advisors.

Donald David is the Resident Director and Wealth Management Advisor at Merrill, where he helps clients preserve and grow their wealth aligned with their financial goals. He has been serving the Fort Walton Beach and Destin community for over 35 years, combining his extensive background in banking and financial services to provide comprehensive wealth management planning. With over 20 years of banking experience as a Senior Vice President and a financial services career dating back to 1986, Donald offers expertise in investment and retirement planning, loan management, business strategic planning, family wealth management strategies, and retirement income. He holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degree from the University of Florida. Donald is committed to ongoing client communication and service to achieve client goals. He participates actively in the community through involvement with the Kiwanis Club of Destin and the Local Planning Agency of the City of Destin. Outside of work, he enjoys football, spending time with his family, and traveling.

Jeremy Cronin is a financial advisor with Cetera in Destin, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Hancock Whitney Bank and Regions Bank, among others. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies across various program structures and custodial relationships.

Wendy Kidd is a financial advisor with Merrill in Fort Walton Beach, FL. She holds a Series 66 designation and has 14 years of industry experience, having been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cynthia Lee is a financial advisor with Wells Fargo Clearing in Destin, FL, holding Series 63 and Series 65 licenses and one year of industry experience. She previously worked at Foundations Investment Advisors, LLC and Wilson Insurance & Financial, where she also managed marketing and operations alongside her advisory role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting, supported by extensive research and a broad product platform.

Mark Litton is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior roles include positions at NY Life Securities LLC and New York Life Insurance Company. He is based in Fort Walton Beach, FL. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Rachel Miller is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her prior work includes positions at The St. Joe Company and Greenwood/Asher & Associates. She is based in Niceville, FL. 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 a range of clients including individuals, high-net-worth investors, and institutions.

Joseph Rizza is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as power of attorney for family members to assist with investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Richard Grodzicki is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and 52 years of industry experience. He previously worked for UBS Financial Services for 15 years before joining Morgan Stanley in 2024. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling techniques but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts without separate engagement.

Joseph Serrato III is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Rachael Mcbride is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding a Series 63 designation and 23 years of industry experience. She worked at Morgan Stanley Smith Barney for nine years before joining Wells Fargo Advisors in 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including business-owner transition and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Joshua Little is a financial advisor with Wells Fargo Advisors in Destin, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he had roles at Amazon and multiple periods working at Crab Trap. 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 planning menu tailored to clients meeting a net-worth threshold, delivering recommendations through meetings and written summaries, with implementation options through various brokerage or advisory programs.

William Lamm is a financial advisor with Edward Jones in Niceville, FL, holding a Series 63 designation and 24 years of industry experience. He has been with Edward Jones since 2008. 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 through a nationwide network of more than 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Braden Schmitt is a financial advisor at Raymond James Financial with 8 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at various Raymond James entities since 2017. Prior to his financial career, he operated a McDonald's franchise for 20 years. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and uses analytical tools to support client goals, with specialized offerings in municipal finance and employer advisory services.

Nancy Kline is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advising, she owns and manages several entities related to real estate investment. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services using a broad planning menu and proprietary research tools. The firm offers tailored recommendations and integrates advisory services with other financial product sales and referral channels.

William Dugger is a financial advisor with Robert Baird & Co. who holds Series 63 and Series 65 credentials and has 27 years of industry experience. He has worked at Robert Baird since 2019 and previously was with Hilliard Lyons from 1998 to 2019. Outside of his advisory role, he is a rental property owner. The DDK Group at Robert W. Baird & Co. serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations, offering financial planning, portfolio management, and brokerage services. The firm employs a range of managed account strategies and utilizes internal research, including artificial intelligence tools, to support client advice.

Duncan Conroy is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at Southern Airways Express from 2016 to 2021. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.

David Dowden is a financial advisor with Ameriprise in Niceville, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and Wealth Management, LLP for 21 years. Outside of his advisory role, he manages a private family corporation used for insurance and consulting activities. Ameriprise offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Matthew Ritter is a financial advisor at Edward Jones in Ft Walton Beach, FL, holding Series 63 and Series 66 credentials with 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and overlay tax-efficient services.