Joe King Jr. is a financial advisor with LPL Financial in Panama City, FL, holding Series 63 and Series 65 credentials and bringing 50 years of industry experience. His previous roles include positions at Ameriprise Financial Services, Raymond James & Associates, and Citigroup Global Markets. Outside of his advisory work, he is an author with several published books. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range of financial planning and investment services supported by extensive technology and a large network of advisors.

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 at Raymond James Financial with eight years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones before joining Raymond James in 2022. Chapman also owns Chapman Wealth Management LLC, where he assists clients with investment decisions as an independent contractor. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals.

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 has an additional nearly two decades of work at Edgewater Beach Resort. Outside of her advisory role, she serves as executor for her father’s estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Farrell is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 13 years of industry experience. His work history includes roles at Wells Fargo Clearing and Hancock Whitney Bank. He serves on the board of the Anchorage Children's Home, meeting monthly to support the charity. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

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.

Carlton Stabler is a financial advisor with Edward Jones in Panama City, FL, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, with approximately $1.01 trillion in assets under management and a broad national network of advisors and branches. The firm offers a range of advisory programs and investment solutions operating under a fiduciary standard.

Jason Keith is a financial advisor with Cetera in Panama City, FL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes roles at Regions Bank, LPL Financial, and Trustmark Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services delivered through a nationwide network of over 10,000 advisors.

Cindy Clark is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. She has over 38 years of experience in financial services, including 28 years with Merrill Lynch, where she has been recognized as a member of the firm’s Quarter Century Club. Cindy specializes in personal retirement planning, women and wealth, and retirement income. Cindy holds a Bachelor's degree in Business Administration with a major in Finance from Auburn University. She also holds the designation of Personal Investment Advisor (PIA). Beyond her professional career, Cindy has been actively involved in community organizations, including serving as a board member of the Family Guidance Center for 15 years and volunteering with the Montgomery Area Council on Aging’s Meals on Wheels program. She has also contributed to Auburn University’s Women’s Philanthropy Board and is a Sustainer of Montgomery Junior League. Additionally, she serves as a Centerpoint Connect Group Leader. Cindy and her husband Bryan reside in Millbrook, where they live with their two children and are anticipating the arrival of a third grandchild. Her personal interests include music, traveling, yoga, and spending time with her family.

John Morrow is a CFP® professional with 39 years of experience in the financial industry. He has been with LPL Financial since 1992 and is also associated with Channel Resources. In addition to his advisory work, he serves on the board of the Gulf Yachting Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Christopher Gross is a financial advisor with LPL Financial, holding a Series 66 license and 12 years of industry experience. His career includes roles at Merrill and Bank of America, where he has worked since 2014 and 2015 respectively. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolio programs and third-party asset management, supported by extensive technology and a large network of advisors.

Matthew Wyatt is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Dynamic Pain & Wellness PLLC and Head and Neck Associates. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including wrap fee strategies, separately managed accounts, and tax-efficient investment solutions.

Michael Sears Jr. is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1996 and Bank of America, N.A. since 2009. Outside of his advisory role, he is involved in managing several residential rental properties jointly owned with his spouse. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes integrated investment management strategies and leverages its affiliation with Bank of America to support comprehensive trading, lending, and capital markets activities.

Judith Gilbert is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. She has worked at OSAIC since 2021 and at John Douglas Financial Group since 2019, where she also serves as operations manager and is a licensed life and health insurance agent. Gilbert is a board member of Majestic Grace Ministries, Inc. OSAIC serves a diverse client base including individual and institutional investors, providing integrated brokerage and advisory services with a range of portfolio management tools and access to third-party money managers.

Grace Hardee is a financial advisor with Ameriprise in Panama City, FL, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She previously worked at Raymond James & Associates before joining Ameriprise in 2020. Outside of her advisory role, Hardee serves as president of a local commercial center's board of directors and coaches soccer for Bay United Soccer Club. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jerry Sowell III is a CFP® professional with eight years of experience, currently serving with Equitable Advisors since 2017. He previously worked at Trustmark National Bank for ten years and at Axa Advisors from 2017 to 2020. Sowell is a member of the Panama City Kiwanis Club and serves on the board of the Gulf Coast State College Foundation, where he participates in scholarship and finance committees. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutional clients, and charitable organizations. The firm’s approach involves risk assessment and matching clients to appropriate investment programs, utilizing both proprietary and third-party asset management solutions.