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.

Jacob Singleton is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. His prior work includes roles at Builders FirstSource, Client Solutions Architects, and Jacobs Technology Inc., as well as service in both the U.S. Navy and U.S. Navy Reserves. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

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.

Matthew Oneill is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in the Pensacola, Florida office. He works with individuals and small businesses to develop strategies aimed at meeting their long-term financial goals. His advisory services include creating long-term, personalized wealth management plans, investment selection, and portfolio design. Matthew has over a decade of experience in wealth management, including nine years serving high-net-worth investors and their families. He specializes in advising physicians and small business owners throughout the Gulf Coast, focusing on enhancing, preserving, and transferring family wealth. His approach incorporates resources from Merrill Lynch and Bank of America, including banking services and specialists, to offer tailored strategies covering Treasury Management, Retirement Strategies, Financing, Equipment Leasing, and Merchant Services. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Matthew earned his High School Diploma from Davison High School. Outside of work, he enjoys hockey, golf, skiing, and tennis, and serves on the Board of Directors for Pensacola Country Club. He resides in Pensacola, Florida with his wife and two children.

Daniel Klug is a Series 66-credentialed financial advisor at Thrivent Investment Management with 30 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning and a managed-account program under a consolidated billing option, focusing on comprehensive recommendations without discretionary trading authority.

Thomas Henriques is a financial advisor with Equitable Advisors in Pensacola, FL, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2003. Equitable Advisors serves individuals across wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party solutions delivered through a network of Investment Adviser Representatives.

Wendy Markey is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and 30 years of industry experience. She previously worked at Raymond James Financial Services Advisors, Inc. for 15 years before joining Wells Fargo Advisors in 2024. Wendy is also an officer and vice president of The Stewart Markey Group, a support company she oversees. 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 and integrates advisory services with other financial products, serving clients who meet specific net-worth criteria.

Wiktor Gier is a CFP®-credentialed financial advisor with seven years of industry experience, currently with Stifel since 2024. His prior experience includes roles at Raymond James & Associates and EY. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services grounded in a proprietary investment methodology developed by its Investment Strategy Group.

Robert Leidner is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in working with families to simplify their financial lives by focusing on clients' goals and concerns, utilizing the Goals-Based Wealth Management Process. He emphasizes understanding clients' priorities across key life areas—family, home, health, work, leisure time, giving, and finance—to develop personalized strategies suited to individual circumstances. Since beginning his career in the financial services industry in 1993, Robert has accumulated extensive experience and expertise in areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, and retirement income. He holds professional designations such as CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Robert earned a Bachelor of Science degree in Economics from Louisiana State University in 1991. He joined Merrill Lynch Wealth Management in 2009. He is active in community involvement through memberships and volunteer work with organizations like Fiesta of Five Flags, Pensacola Catholic High School, and St Paul Catholic School. Robert and his wife, Halli, have two daughters. His personal interests include golf, gardening, hunting, fishing, wine collecting, cooking, and spending time with family and friends.

Dawne Rehm is a financial advisor at Stifel with 25 years of industry experience. She holds Series 63 and Series 66 registrations and has been with Stifel Nicolaus & Co. Inc. since 2014. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Brian Schwab is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*TRADE Capital Management, E*TRADE Securities, TD Ameritrade, and Charles Schwab. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment research to support its services.

Cynthia Jones is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo Advisors since 2011. Outside of her advisory role, she serves as a trustee for family trusts and a financial LLC 401(k) plan. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations for clients.