Steven Moss is a financial advisor at Cetera with 20 years of industry experience. He holds a Series 66 designation and has worked previously at LPL Financial and operates Moss Wealth Management. Moss serves as a member of the Bay County School Board. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with a variety of program options and affiliations.

Ethan Brown is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. Prior to joining Edward Jones, he held various roles in diverse sectors including retail, construction, and hospitality. He is also a stock owner of Hypersciences Inc, a company involved in drilling, tunneling, and energy. 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. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Muchard is a financial advisor with LPL Financial in Panama City Beach, FL, holding Series 65 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Securities America Advisors and INVEST Financial Corp, and he also operates Muchard Financial, a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Hugh Owens is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. His prior roles include positions at VOYA Financial Advisors and Cetera Wealth Services, LLC. Owens is also the owner of Mike Owens Financial Services Inc., through which he engages in insurance and investment services. 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 diverse portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and third-party model portfolios and managers.

Teresa Perryman is a financial advisor at Merrill with Series 63 and Series 66 credentials and 29 years of industry experience. She has been with Merrill since 1994. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Ewing is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at SunTrust Investment Services and Wells Fargo Advisors. Outside of his advisory work, he has a 50% ownership interest in a farmland rental property. 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 range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Michael Calidonna is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2011, totaling 15 years of industry experience. He is based in Panama City Beach, FL. Outside of his advisory role, he owns a holding company involved in commercial real estate and manages several rental property businesses in the Panama City area. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering both discretionary and non-discretionary investment strategies, tax-efficient services, and access to affiliated mutual funds and separately managed accounts. The firm is notable for its extensive national advisor network and affiliated capabilities beyond advisory services.

Simonette Austin Taitt is a financial advisor with Primerica Advisors in Panama City Beach, FL, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. She has worked at PFS Investments Inc. since 2016 and has been affiliated with Primerica Financial Services since 2011. Outside of her professional career, she has experience as a housewife since 1993. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, managing approximately $15.5 billion in assets through a network of nearly 3,700 advisors. The firm utilizes model-driven investment strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Raymond Ezell is a Senior Financial Advisor with a career dedicated to helping clients achieve their financial goals through prudent decision-making and comprehensive guidance. He specializes in areas including college education planning, divorce transition planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategies, tax minimization, and retirement income. Since beginning his career in 2000 as a Merrill financial advisor, Ezell has built a reputation for serving multiple generations of clients, focusing on rational discussions and collaborating with specialists and clients' tax and legal advisors to develop tailored strategies sensitive to clients' unique challenges. He holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A graduate of Western Carolina University, Ezell is actively involved in his community, serving as Chairperson of the Board for the Western Carolina University College of Business and as a board member for Habitat for Humanity of Haywood County. His personal interests include biking, boating, camping, fishing, golfing, hiking, hunting, music, skiing, and spending time with his family.

Virginia Thompson is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has worked with LPL Financial since 2017 in various roles. Outside of her advisory work, she is involved with Channel Resources Inc., an entity related to her LPL business operations in Panama City, FL. 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 services including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors and more than $819 billion in discretionary assets.

Michael Talley is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 43 years of industry experience. He has been with Cambridge since 2005. Outside of his advisory role, he is also an independent insurance agent for various insurance companies. Cambridge Investment Research Advisors serves a diverse client base, including individual investors, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

Dale Strasler is a CFP® and Series 66 registered financial advisor with Edward Jones, based in Panama City Beach, FL. He has 17 years of industry experience, all with Edward Jones since 2009. Outside of his advisory role, Strasler serves as president of Family Investment LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Richard Filippi is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and having 33 years of industry experience. He has been with Edward Jones since 1992. Outside of his advisory work, he leads and moderates discussions on current foreign policy topics for the Encore Life-long Learning program at Gulf Coast State College. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Scott Anderson is a Financial Advisor with Merrill Lynch Wealth Management. He follows a disciplined process that begins with getting to know clients, their families, financial situations, and priorities. Scott is committed to building and maintaining strong relationships to help clients focus on their overall financial picture and make important financial decisions. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation and is recognized as a Personal Investment Advisor (PIA). Scott earned his Bachelor's Degree from Southern Methodist University. His approach centers on providing personalized advice and guidance tailored to each client's unique circumstances.

Thomas O'mera is a financial advisor with Merrill, holding a Series 66 designation and 20 years of industry experience. His work history includes roles at both Merrill and Bank of America, N.A. He is based in Panama City Beach, FL. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ashley Vasquez is a financial advisor with Edward Jones, holding a Series 66 designation and over two years of industry experience. She has been with Edward Jones since 2015. Outside of advising, she volunteers as a poll worker with the Bay County Supervisor of Elections in Panama City, FL. 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 under management through a broad network of nearly 24,000 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Shannon Parker is a financial advisor with Wells Fargo Clearing in Panama City, FL, holding a Series 66 credential and nine years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent a year with Raymond James Financial Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kelly Bonner is a CFP® professional with 25 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Advisors LLC for seven years. She is based in Panama City, FL. 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 advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Arthur Zediker II is a financial advisor with Wells Fargo Clearing in Panama City, FL, holding a Series 66 designation and eight years of industry experience. Prior to joining Wells Fargo in 2018, he worked at National Healthcare Corporation for one year. He serves as treasurer for Northstar Church in Panama City, assisting with operations and budgeting. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support its investment approach.

Joseph Mccurley is a financial advisor with Wells Fargo Clearing in Panama City, FL, holding the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including prior roles at Wells Fargo Advisors LLC and A. G. Edwards & Sons, Inc. Outside of his advisory work, he owns a company named CURLEY MAC, LLC, and works as a rideshare driver for Lyft. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party providers.