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.

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.

Sharhonda Owens is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. Prior to joining Edward Jones, she worked for Ascend Performance Materials for 27 years. She is based in Pace, Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies supported by a large national network of advisors and branch offices.

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 with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Edward Jones since 2013. Based in Pensacola, FL, her career has been focused within this firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Weston Cramer is a financial advisor with Equitable Advisors in Pensacola, FL, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2013. Outside of his advisory role, Cramer serves as a trustee for several family-owned trusts and a privately held grocery retail company, and he is a volunteer puppy raiser for Canine Companions, training service dogs. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers advice through Investment Adviser Representatives using a variety of third-party and proprietary programs, focusing on personalizing client solutions based on risk tolerance and financial goals.

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 26 years of industry experience. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and customized recommendation reports.

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.