Nicholas Mann is a financial advisor at Stifel with two years of industry experience and holds a Series 66 designation. Prior to joining Stifel in 2023, he worked at SunFarm Energy and has academic experience at the University of West Florida. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market models developed by its Investment Strategy Group to support asset allocation and financial planning.

Pamela Fox is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 15 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2014 to 2016. Outside of her advisory role, Pamela is involved in pet sitting in Pensacola, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Michael Shirk is a Wealth Management Advisor with Merrill Lynch Wealth Management. He leverages a comprehensive approach to financial planning and investment management, assisting clients at various stages of their financial journeys. His work focuses on managing new wealth, personal retirement planning, philanthropic planning, portfolio management, and strategies for small businesses, special needs, and women and wealth. Michael emphasizes providing clients with disciplined, impactful wealth management strategies and access to a broad array of investment services and resources through Merrill and Bank of America. With over 35 years of professional experience, including 24 years as a leader and aviation professional in the U.S. Coast Guard, Michael brings a strong work ethic and a collaborative approach to his practice. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from the United States Coast Guard Academy and a Master's Degree from Purdue University System. Outside of his professional responsibilities, Michael engages in activities such as adventure sports, biking, boating, camping, hiking, reading, and traveling. He is also involved in community leadership through Leadership Mobile. Michael seeks to build trusted relationships with his clients, serving not only as their financial advisor but also as a friend and confidant.

Jonathan Warren is a CFP®-designated financial advisor with Stifel, where he has worked for 15 years. He has 25 years of experience in the industry and is based in Pensacola, Florida. Stifel serves a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities, providing both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodology developed by its Investment Strategy Group, offering asset allocation and financial planning analyses that support client decision-making.

John Mayfield III is a CFP® certificant with 40 years of industry experience. He is currently with Cetera and has held prior roles at Hancock Whitney Bank and Suntrust Advisory Services. Cetera Investment Advisers LLC is a nationwide, SEC-registered advisory firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management options, including model portfolios and bespoke strategies, supported by over 10,000 advisors and more than $256 billion in assets under management.

Robert Thompson is a financial advisor with Osaic Wealth, Inc. based in Pensacola, FL, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He previously spent 14 years with Sagepoint Financial, Inc. Outside of his advisory role, he has operated a sole proprietorship focused on investment-related sales and insurance activities since 1993. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated advisory and brokerage services with access to multiple investment platforms, employing asset-allocation tools, risk assessments, and automated portfolio rebalancing to manage a broad range of investment types.

Stephen Timberlake is a financial advisor with Morgan Stanley in Pensacola, FL, holding a Series 66 designation and 13 years of industry experience. He has worked with Morgan Stanley and its affiliated private bank since 2012. Outside of his advisory role, he owns a small honey-producing business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Madisyn Santora is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and six years of industry experience. She has worked with Ameriprise since 2019 and previously had roles at Envie Boutique and the University of South Alabama. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement. The firm combines proprietary research and algorithmic tools to deliver tailored recommendations within a defined investment framework.

Tina Barnes is a financial advisor with Merrill in Pensacola, FL, holding a Series 66 designation and 14 years of industry experience. Prior to joining Merrill in 2018, she worked at Wells Fargo and operated a British import grocery and gift retail store, The Corner Shop, in Marietta, Georgia, which she owns but currently devotes no time to managing. 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, offering model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Michael Douglas is a CFP® professional with 31 years of industry experience, currently with Stifel since 2009. He has worked part-time at the Pensacola Civic Center for over three decades and maintains a part-time role at Douglas & Associates, which he has been involved with for nearly 40 years. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Tonya Estes is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill for 13 years before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Alexander Varidin is a financial advisor with Stifel based in Clearwater, FL, holding a Series 66 designation and two years of industry experience. Prior to joining Stifel in 2024, he worked at KPMG and engaged in entrepreneurial activities through Varidin Properties, LLC. He serves as chapter chairperson and committee member for the Florida Institute of Certified Public Accountants and is a board member of the Dunedin Cares Food Pantry, indicating involvement in both professional and community organizations. Stifel serves a wide client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Marjorie Moore is a financial advisor at Merrill with 42 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 1983, including 15 years with Bank of America, N.A. She is a limited partner in a family-owned marina business and serves as a trustee of a survivorship trust in Pensacola, Florida. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Frost is a financial advisor with Primerica Advisors based in Pensacola, FL, holding Series 65 and Series 63 licenses and 19 years of industry experience. He has been with Primerica Advisors since 2006 and Primerica Financial Services since 2004. Frost is also involved in business activities related to the sale of loan products, home security and automation referrals, and serves as Vice President of S.R Frost & Associates, Inc., a legal entity established for Primerica business purposes. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages approximately $15.5 billion in assets through model-delivery strategies developed by unaffiliated asset managers and supported by third-party custodians.

Gracia Gamez is a financial advisor with Edward Jones in Pensacola, FL, holding a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2020, she worked in the rental car and retail sectors. 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 nationwide network of financial advisors and branch offices.

Beth Navarrete is a financial advisor with Morgan Stanley in Pensacola, FL, holding a Series 66 designation and 19 years of industry experience. She worked at Merrill from 2006 to 2023 before joining Morgan Stanley Smith Barney LLC, where she has been since 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its planning process.

Justin Gates is a financial advisor with Cetera in Pensacola, FL, holding a Series 66 credential and 10 years of industry experience. He has worked at Avantax Advisory Services and Avantax Investment Services for nine years and currently owns multiple related entities, including LifeCycle Wealth Advisors LLC and Lifecycle Tax Resolution Specialists LLC, focusing on tax advising, IRS representation, and financial services. He also operated Harry Gates Enterprises, Inc. for four years. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across a variety of program structures and custodial relationships.

Corbin Ellard is a Wealth Management Advisor with Merrill Lynch and a partner of THE HARTY CARPENTER GROUP, a wealth advisory team recognized on the 2025 Forbes Best-in-State Wealth Management Teams list. He joined Merrill in February 2020 and holds the internal title of Retirement Benefits Consultant. Corbin's work focuses on wealth management planning, business development, and relationship management for individuals, families, and small business employer-sponsored retirement plans. Corbin began his career assisting municipal employees and Alabama's first responders with retirement planning. He has earned several professional designations including Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor (CRPC). He holds a Bachelor's degree from the University of Alabama System. Active in the Greater Birmingham community, Corbin has held leadership roles with Rotaract, Triumph Services, and Vulcan Park and Museum. He and his wife volunteer at The Cathedral of Saint Paul in downtown Birmingham and First Light Shelter, and he is involved with Children's of Alabama.

Charles Kudrna is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and eight years of industry experience. He has worked at Ameriprise since 2017 and previously was involved with Shaggy's Pensacola Beach, LLC. Kudrna also provides financial planning services through Accelerant Business Services, LLC, focusing on writing financial plans for Ameriprise advisors. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, written recommendations. The firm serves clients through a large institutional platform offering a broad range of advisory, brokerage, and insurance solutions.

Alysa Chesnut is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and five years of industry experience. She has worked with Ameriprise and its affiliated firms since 2010, including roles at Chiron Capital Management and Teal Wealth Management. Outside of her advisory work, Chesnut provides operations coaching through XFA, a franchise consulting team. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm serves a broad client base and provides a range of advisory, brokerage, and insurance solutions through affiliated entities.