Cathleen Brock is a CFP® professional with 32 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Reginald Hoddinott is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 40 years of experience in advising and investing. Since August 1981, he has helped clients plan for their futures by providing guidance and developing personalized financial strategies aimed at achieving their long-term goals. His expertise covers a wide range of client needs including college education planning, divorce transition planning, services for endowments, foundations, and non-profits, international wealth management, liquidity management, managing new wealth, philanthropic planning, special needs planning strategies, tax minimization, and retirement income. Reginald holds a Bachelor's Degree from Southeastern Louisiana University and the professional designation of Personal Investment Advisor (PIA). In addition to his professional work, Reginald is engaged in community service, volunteering with organizations in the communities he serves. Outside of work, he enjoys boating, golfing, spending time with his family, and traveling.

Donald Hawkins is a financial advisor with Wells Fargo Advisors who holds Series 63 and Series 65 credentials and has 28 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he serves as a trustee for a family trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and financial planning services to individuals, trusts, and institutions through a broad planning menu tailored to clients meeting net-worth thresholds.

Michael Blunt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 after six years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a board member for the Raintree Villas Homeowners Association in Independence, MO. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources to support diversified investment strategies and provides both brokerage and advisory solutions.

Gustavo Gonzalez is a financial advisor with Primerica Advisors in Santa Rosa Beach, FL, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 1999. Outside of advisory work, he has involvement with Freedom Hierarchy, LLC, an investment-related entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Allen Whitehurst is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and Spelman & Co., Inc. Outside of his advisory role, he owns a sole proprietorship selling term life insurance and fixed annuities. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes through multiple advisory platforms.

Teresa Mclaughlin Bass is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2007, she has worked to guide her clients toward achieving their individual and family financial goals. Her focus areas include retirement planning, college education planning, family wealth management strategies, legacy planning, and portfolio management services. Tess employs a defined process that begins with understanding each client's unique situation to establish objectives, develop suitable strategies, and review progress. She utilizes a conservative investment approach emphasizing tax minimization, capital preservation, and estate planning services. Tess holds the Chartered Financial Consultant (ChFC®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA®) designations. She graduated cum laude with a Bachelor of Science degree in Business Administration from Troy State University. A native of Destin, Tess resides in Shalimar with her husband, Joe, and their son, Carver. She supports local communities including Liza Jackson Preparatory School and Impact 100 Northwest Florida. Her personal interests include boating, fishing, football, music, reading, spending time with family, and traveling.

Raymond Mcgovern is the Senior Resident Director at Merrill Lynch Wealth Management. In his role, he manages teams and portfolios, offering services that include estate planning, portfolio and income management strategies, and retirement income strategies. Through Bank of America, he also provides access to philanthropic services. Raymond joined Merrill Lynch Wealth Management in 1981 following his graduation from West Virginia Wesleyan College, where he earned a bachelor's degree in business management. He holds the designations of Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). His work has been recognized multiple times in Barron's annual rankings of top financial advisors in the United States. He lives in Fort Walton Beach, Florida, with his wife and three children. Raymond serves on the board of the White Wilson Community Foundation and is a senior member of the Fort Walton Beach Kiwanis Club.

Mark Kilbride is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at Eglin Federal Credit Union, CUSO Financial Services, CUNA Brokerage Services, Kestra Financial Services, Klear Financial, and Raymond James & Associates. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes automated allocations, third-party managers, and bespoke strategies, managing over $256 billion in assets with a network of more than 10,000 advisors.

David Zhang is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, Charles Schwab, and TD Ameritrade in various roles since 2019. Prior to his financial services career, he was employed at the University of Minnesota in facilities management, public safety, and other capacities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary advisory relationships and access to discretionary separately managed accounts via an integrated platform with centralized custody and operational support.

Ursula Dunbar is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Cambridge since 2011 and has operated several other business ventures including managing member roles in insurance and financial advisory firms. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and custody platforms.

Charles West is a ChFC® credentialed advisor with 35 years of industry experience, currently serving at Raymond James Financial since 2009. He has prior experience founding Charles C. West and Associates and has held various roles within Raymond James Financial Services since 2001. Outside of his advisory work, West is a committee member of the Ft Walton Beach Rotary Scholarship Inc., where he assists with awarding college scholarships. 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 institutions. The firm offers tailored, non-discretionary planning using analytical and risk profiling tools and supports investment implementation through advisory programs and other providers.

James Richburg is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. He has been with Primerica Advisors since 2002 and also has a role at Wiley Sanders Truck Lines. Outside of advisory activities, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and maintains authority over model selection, operating primarily on a percentage-based wrap fee structure.

Harry Holmes is a financial advisor with Primerica Advisors, holding a Series 66 designation and having 25 years of industry experience. His work history includes roles at HD Vest, Turbo Tax TA, and his own tax preparation and business ventures. Outside of advising, Holmes owns businesses including Holmes Ice Company LLC and a tax preparation firm, and he is also a licensed real estate broker. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure.

John Little is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has held various positions within Wells Fargo since 2009. Outside of his advisory role, he serves on the architectural review committee for a condominium association in Destin, Florida. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, employing a broad planning menu and integrating advisory services with banking and other financial products.

Roy Gray is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads The Gray Group, a financial advisory team serving successful families, corporate executives, small business owners, and professionals in the medical and legal fields. The team focuses on helping clients prepare for and navigate the next stage of their financial lives, with an emphasis on family wealth management, personal retirement planning, and small business strategies. Roy and his team serve as trusted confidants, providing guidance that supports clients in diligently preparing, organizing, and acting on their financial goals. Roy holds a bachelor's degree from the University of Maryland and a master's degree from the College for Financial Planning. He has earned multiple professional designations, including Certified Financial Planner (CFP®), Accredited Asset Management Specialist (AAMS™), Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC™), Chartered Retirement Plans Specialist (CRPS™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is fluent in English and German. Outside of his professional role, Roy enjoys cycling, swimming, golf, ballroom dancing, antiquing, chess, running, scuba diving, and traveling. He values spending time with his family.

Samuel Shackle is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience, including roles at PFS Investments Inc., Primerica Financial Services, and Gulf Winds Credit Union. Prior to entering financial services, he worked in education for several years. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and utilizes model-driven investment strategies managed by third-party asset managers.

Janice Bennett is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 credentials and having 42 years of industry experience. She has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Richard Yoch is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and consulting services that are generally non-discretionary, supported by a range of portfolio management styles and affiliated research.

Richard Miller is a financial advisor with Wells Fargo Advisors holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. He also owns Rick Miller LLC, an investment-related business based in Niceville, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using Wells Fargo research and tools, integrating advisory services with other financial product offerings.