Sheila Stoutamire is a financial advisor with Merrill in Panama City, FL, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Merrill since 1987. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Greg Scott is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America, Merrill, Summit Bank, and Raymond James. Outside of his advisory role, Scott manages daily operations for 2H&V Construction Services, a construction company. 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 and financial planning services supported by structured planning tools and extensive asset management.

Charles Owens is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His background includes entrepreneurial roles in the hospitality and watersports sectors, such as ownership and management positions at Florida Parasail Company and Owens Wealth Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment program options and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Saige Emanuel is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, Saige was self-employed and previously worked in education at Emerald Coast Middle School and Fruit Cove Middle School. Saige also founded Abadie Academy LLC, an educational venture. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment analyses.

Jesse Underwood is a Series 66-credentialed financial advisor with four years of industry experience, currently affiliated with LPL Financial. He previously held roles at First Command Insurance Service, First Command Advisory Services, and First Command Brokerage Services. Outside of his advisory work, Jesse owns Prometheus Performance, a business involved in buying and selling performance oils and lubricants. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house and third-party research.

Les Brackett is a financial advisor with Equitable Advisors, holding Series 65 and Series 63 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 1999. Outside of his advisory role, he serves on the advisory board of Tech Farms, a nonprofit focused on technological advancement and incubation in the Panama City area. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through a range of sponsored programs and third-party managers, providing both discretionary and non-discretionary management solutions.

Beverly Hager is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Raymond James since 2008. Outside of her advisory role, Hager serves as Chair of the City of Panama City General Employee Pension Fund Board and operates a notary business. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser supporting a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles and affiliated research.

Noah King is a CFP® professional with 13 years of experience in the financial services industry. He has worked at Raymond James & Associates, Ameriprise Financial Services, and Capital City Bank before joining LPL Financial. He is based in Panama City, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house research and third-party model portfolios.

Paul Largo is a financial advisor at Wells Fargo Advisors with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors and its affiliated entities since 2016. He also owns Dune Lakes Private Wealth Advisors LLC, a private practice based in Rosemary Beach, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.

William Wahl is a Wealth Management Advisor and founder of The Wahl Group at Merrill Lynch Wealth Management, located in St. Louis. With over 30 years of experience, he leads a team dedicated to providing a preeminent wealth management experience to a select number of corporate executives, business owners, and affluent families across the country. His approach centers on putting clients first and focusing on what matters most in their lives. William holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of Missouri Columbia. In recognition of his work, he was named to the Forbes "Best-in-State Wealth Advisors" list in 2026 for the ninth consecutive year. Outside of his professional life, William values his family deeply, sharing life with his wife Amy and their three children. His personal interests include golfing, music, pickleball, singing, spending time with family, and traveling. He is involved in community organizations such as the Guardian Angel Settlement Association and Living Water International.

Joe King Jr. is a financial advisor at LPL Financial with 50 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ameriprise and Raymond James & Associates. Outside of his advisory role, he is an author with several published works. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs and financial planning services.

John Stevenson is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. His prior work includes six years at Edward Jones and one year in real estate at Star Real Estate. Stevenson is involved in community activities, serving as Vice President and Financial Chair of Scenic Walton and Chairman of Friends of Scenic 30A, where he helps oversee fundraising and grant applications. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a nationwide network of over 10,000 independent advisors. The firm serves individual, corporate, charitable, and institutional clients through various portfolio management and financial planning services, leveraging a multi-manager platform with model portfolios, third-party managers, and bespoke strategies.

Heather Noyes is a financial advisor with Raymond James & Associates in Panama City, FL, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Raymond James & Associates since 2007. Outside of her advisory role, she is a partner in Triple A Homes LLC, where she manages project budgets, secures financing, and contributes to design and interior decisions. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that oversees approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, providing financial planning, investment consulting, and municipal advisory services.

Dan Griggs is a financial advisor with Cetera who holds a Series 63 designation and has 30 years of industry experience. He has been with Cetera and its affiliated entities since 2019 and previously worked at Summit Financial Group and Summit Brokerage Services. Griggs is also president of Austin Coordinated Resources, Inc., a financial services and tax entity. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with access to affiliated and unaffiliated managers.

Jaye Chapman is a financial advisor with Raymond James Financial Services Advisors, Inc. in Panama City, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining Raymond James in 2022, Chapman was with Edward Jones from 2018 to 2022. Outside of his advisory role, he operates Chapman Wealth Management LLC as an independent contractor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm uses tailored, non-discretionary planning based on risk profiling and analytical modeling, and supports municipal and public-finance work through its affiliation with a municipal advisor.

Conor D'ambrosio is a financial advisor with Cetera in Panama City, FL, holding a Series 66 designation and beginning his career in 2026. His prior work experience includes positions at Regions Bank, Spark/Instacart, Mariner Finance, and Osceola Bistro. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program platforms.

Kelli Thomas is a financial advisor with Wells Fargo Clearing in Panama City, FL, holding a Series 66 designation and 10 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of her advisory role, she serves as the executor for her father's estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

John Farrell is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 13 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Hancock Whitney Bank. Outside of his advisory role, he serves as a board member for Anchorage Children's Home. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser offering portfolio management, financial planning, and retirement services to individuals, employers, corporations, charities, and institutional clients. The firm provides access to multiple investment strategies and third-party managers within a large multi-manager platform.

Jason Davis is a financial advisor with Wells Fargo Clearing, holding CFP® and Series 66 designations and bringing 16 years of industry experience. His prior experience includes roles at Truist Advisory Services, Morgan Stanley Private Bank, and Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services based on an IPS-driven process grounded in modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Charles Steward is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and three years of industry experience. His career includes roles at PFS Investments Inc. and Waylon Grey Enterprises, as well as work with Electrical & Computer Resources and Calhoun Liberty Hospital. He has also been affiliated with Primerica Financial Services since 2008. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, utilizing model-delivery strategies managed by unaffiliated asset managers and providing a range of investment approaches including strategic and tax-managed models.