David Zellner is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on offering a comprehensive approach to managing wealth by starting with listening to clients' needs and ensuring that every strategy is grounded in an understanding of their goals. David provides access to investment insights from Merrill and banking convenience through Bank of America to address various aspects of clients' financial lives. His areas of expertise include legacy planning, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. David holds a Bachelor's Degree from the University of the State of New York and maintains several professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). David follows the Merrill Lynch Wealth Management tradition of participating in the communities served, which motivates his interest in volunteering with local organizations. He lives in Florida with his wife Michele and their Golden German Shepherd dog, Rex. His personal interests include hiking, spending time with family, and traveling.

Paul Snider is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes positions within Morgan Stanley entities and roles related to education and community centers in Florida. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering financial planning services supported by firm-approved tools and investment insights from its Global Investment Committee.

Martha Jones is a financial advisor at Stifel with 24 years of industry experience. She has been with Stifel since 2009 and holds a Series 66 designation. Outside of her advisory role, she spends time writing fiction. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group.

Joshua East is a financial advisor at Morgan Stanley in Pensacola, FL, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2023, he spent several years involved in education at Pensacola Christian College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, offering comprehensive financial planning and a variety of advisory programs. The firm combines structured planning tools with broad investment and planning resources while managing approximately $2.74 trillion in client assets.

Richard Wright is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 20 years of industry experience. He has worked with MassMutual Life Insurance Company since 2016 and previously spent 11 years at METLIFE Securities Inc. Outside of his advisory role, Wright is an independent insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to support collaborative, annual planning engagements.

James Kelly is a CFP®-credentialed financial advisor at Morgan Stanley with four years of industry experience. He has worked with various divisions within Morgan Stanley since 2019. Outside of his advisory role, Kelly is actively involved in the arts and nonprofit sectors, serving as principal oboe with Sinfonia Gulf Coast and the Pensacola Symphony Orchestra, as well as holding board positions with the Community Foundation of Northwest Florida and the Red Cross. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Stephen O'Reilly is a CFP®-certified financial advisor with 30 years of industry experience. He has worked at Cetera Investment Advisors LLC since 2014 and Cetera Investment Services LLC since 2009, and he has been associated with Pen Air Credit Union since 2007. His other business activity includes serving as a power of attorney for a family member. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment strategies and program platforms.

Shawn Kelly is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2022, he was self-employed for eight years and briefly studied at the University of Georgia. Outside of his advisory role, he participates in ownership of points in the Disney Vacation Club. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm employs a centralized consulting team to deliver tailored, research-based recommendations that incorporate tax efficiency and modeling techniques.

Bryan Hazelwood is a financial advisor at Wells Fargo Advisors with five years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wrench Group, LLC, and General Electric Company. He is the majority owner of Chart House Financial, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individual, trust, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth criteria. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Frederick Lambert II is a CFP® with 23 years of experience, currently serving at Raymond James Financial in Pensacola, FL. He is the owner and CEO of Iron Horse Wealth Strategies, LLC, a branch support company. Lambert also acts as a personal representative managing financial affairs for family. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports advisory programs through a large advisor network.

Dave Mckinney is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. He has worked at Raymond James & Associates since 2005 and has been associated with KLM Consultants since 2000, where he consults on business sales and transaction negotiations. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individual, institutional, and municipal clients nationwide. The firm offers financial planning, investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and providing municipal advisory services alongside market-making and execution roles in municipal bonds.

Timothy Mclarty is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Ronald Kudrna is a financial advisor with Ameriprise in Gulf Breeze, FL, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its predecessor firm since 2005. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria. The firm uses a centralized consulting team to provide written, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficiency analysis, emphasizing assets held in Ameriprise managed accounts.

Shawn Bergstrom is a financial advisor at Edward Jones with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

John Ellis is a financial advisor at Ameriprise with 21 years of industry experience. He holds a Series 66 designation and previously worked for U.S. Bancorp Investments for 14 years before joining Ameriprise in 2019. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on income sources and tax-aware withdrawal strategies.

Chad Quenneville is a financial advisor with Wells Fargo Clearing in Pensacola, FL, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Andrew Flock is a financial advisor at Morgan Stanley with 31 years of industry experience. He has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory work, he manages timber land and operates a personal farm focused on hay production in Florida. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Kevin Ryan is a Senior Financial Advisor at Merrill Lynch Wealth Management. He brings over 24 years of experience in the financial industry, focusing on delivering a consistent yet customized wealth management experience. Kevin works closely with clients to understand their individual and professional lives, helping them establish objectives and develop strategies tailored to their risk tolerance, time horizon, investment goals, cost considerations, and liquidity needs. His approach includes regular reviews to monitor progress and adjust strategies as necessary. Kevin specializes in areas such as college education planning, family wealth management strategies, women and wealth, and retirement income. He holds a Bachelor's Degree from Auburn University and carries the Personal Investment Advisor (PIA) designation. Kevin is actively involved in his community through Rotary and other civic organizations. Outside of his professional work, Kevin enjoys spending time with his wife and four children. His personal interests include baseball, boating, camping, fishing, golfing, music, reading, tennis, and yoga.

Stacy Lentine is a Series 66-registered financial advisor with Morgan Stanley in Pensacola, FL, with nine years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Roger Robinson is a financial advisor with LPL Financial in Orange Beach, Alabama. He holds Series 63 and Series 65 licenses and has 33 years of industry experience, including six years with Ameriprise Advisor Services prior to joining LPL Financial in 2009. Outside of financial advising, he is president of Robco Fuels L.L.C., a fuel distribution company serving convenience stores. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of services including financial planning, model portfolio programs, and institutional platforms. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, supporting its advisors with research tools and a broad suite of financial products.