Kevin Hammer is a financial advisor with Merrill in Pensacola, FL, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. His prior work includes six years at Thrivent Financial for Lutherans and Thrivent Investment Management Inc. He has been with Merrill and Bank of America since 2019. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering both model-based and discretionary investment strategies.

Joshua Benavente is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has been affiliated with both Merrill and Bank of America since 2011, totaling 15 years at these institutions. Merrill, along 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 developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nadia Basilone is a financial advisor at Edward Jones in Pensacola, FL, holding a Series 66 designation. She began her career at Edward Jones in 2026 after 18 years with GUESS? Canada Corporation and a brief period at GUESS?, Inc. prior to that. 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 and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Hugh Mann is a financial advisor with Cetera in Pensacola, FL, holding a Series 63 designation and over 40 years of industry experience. He has worked with Cetera since 2009 and also has a longstanding role at Pen Air Credit Union. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers various portfolio management and retirement services, employing a multi-manager platform with access to third-party managers and customized investment strategies.

Ashley Hooper is a Financial Advisor with Merrill Lynch Wealth Management. She collaborates with successful families and business owners to provide personalized financial guidance and bring structure to their wealth through long-term collaboration. Before joining Merrill Lynch as a Team Financial Advisor, Ashley spent 14 years with CRC Group, where she specialized in Commercial Casualty within the Excess & Surplus Lines market. This experience in complex risk solutions developed her skills in strategic thinking, problem solving, and building trusted relationships, which continue to influence her approach to client service. Ashley holds a Bachelor's Degree from Birmingham-Southern College and is a Personal Investment Advisor (PIA). Her approach focuses on understanding the goals, values, and aspirations behind financial decisions, aiming to develop customized strategies that help clients navigate change with confidence.

Jennifer Poland is a financial advisor with Cetera, holding Series 63, 65, and 66 licenses and 14 years of industry experience. Her career includes positions at Merrill, Bank of America, LPL Financial, and Raymond James, among others. She serves as a board member for a homeowners association in Orange Beach, Alabama. Cetera Investment Advisers LLC is an SEC-registered firm that offers portfolio management, financial planning, and retirement services to a broad range of clients, including individual and institutional investors. The firm operates a multi-manager platform with access to affiliated and third-party managers and manages over $256 billion in assets through more than 10,000 advisors.

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 Mass Mutual Investors Services in Pensacola, FL, holding a Series 66 designation and 19 years of industry experience. His prior experience includes roles at MassMutual Life Insurance Co and METLIFE Securities Inc. Wright is also an independent insurance agent. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, annual planning relationships using advanced software tools to analyze client goals.

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 with Edward Jones in Pensacola, FL, holding a Series 66 designation and 10 years of industry experience. He has been with Edward Jones since 2016 and previously worked briefly at Horizon Home Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,000 advisors and offers a range of advisory strategies and affiliated investment products under a fiduciary standard.