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.

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®-certified financial advisor with 38 years of industry experience. He has been with LPL Financial since 1992 and has worked concurrently at Channel Resources since 1990. He serves as a board member of the Gulf Yachting Association, a community and charitable organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management approaches along with model portfolios and research from multiple sources.

Christopher Gross is a financial advisor with LPL Financial, holding a Series 66 designation and 11 years of industry experience. His prior work includes roles at Merrill and Bank of America. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research from various sources.

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 the Senior Resident Director of the Panama City, FL office at Merrill, where he has been serving clients since joining Merrill Lynch Wealth Management in 1996. He specializes in investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. In his role, Michael works one-on-one with clients to develop personalized financial strategies designed to pursue their long-term goals. Michael earned a Bachelor's Degree in Business from Salisbury State University. He holds the designation of Certified Plan Fiduciary Advisor® (CPFA), and also holds credentials as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He has been actively involved in professional and community organizations, including serving as Chairman of the Board, Board member, and Executive Board member for the Bay County Chamber of Commerce, as well as Military Affairs Committee Chairman. Outside of his professional duties, Michael has been involved in his local community in various capacities, including coaching soccer at North Bay Haven Charter School. He enjoys spending time with his family, partaking in outdoor activities such as biking, boating, fishing, football, golfing, scuba diving, skiing, soccer, and playing table tennis.

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 financial advisor with Equitable Advisors in Panama City, FL, holding Series 63 and Series 65 licenses and having eight years of industry experience. His prior work includes ten years at Trustmark National Bank and three years at Axa Advisors, LLC. Sowell is a member of the Panama City Kiwanis Club and serves on the board of the Gulf Coast State College Foundation, which runs scholarship programs and supports educational initiatives. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Ashtin Johnson is a CFP® professional with six years of industry experience, currently serving at Raymond James & Associates since 2019. Prior to joining Raymond James, Johnson worked at Lockheed Martin and held positions in the hospitality sector with Outback Steakhouse and Chili’s. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.