Luther Byrd is a financial advisor at Merrill with 46 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America since 2009, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Davis is a financial advisor with LPL Enterprise holding the ChFC® designation and Series 63 and 65 licenses. He has 12 years of industry experience with prior roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Regal Investment Advisors, and Integrity American Group. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors as well as institutional clients, using model-driven investment approaches and access to third-party asset managers and insurance products through affiliated entities.

Amy Parrish is a financial advisor with LPL Financial in Destin, FL, holding Series 63 and Series 65 credentials and having 16 years of industry experience. Her career includes roles at Raymond James Financial Services, First Florida Bank, Renasant Bank, and The First, A National Banking Association. Outside of her advisory work, she is involved in a family rental real estate business generating income to cover property expenses. 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, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and more than $819 billion in discretionary assets.

Andrew Fort is a financial advisor at Raymond James & Associates with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2013. Outside of his advisory role, Fort serves as Treasurer on the board of Easter Seals of Birmingham. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Mary Tinsley is a financial advisor at LPL Financial with 13 years of industry experience, including 11 years at Edward Jones prior to joining LPL in 2024. She holds a Series 66 designation and operates in Fort Walton Beach, FL. Tinsley is involved with Sand and Shore Financial LLC, doing business as Tinsley Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions supported by a large network of investment adviser representatives and extensive operational resources.

Ted Densmore is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Wells Fargo Advisors since 2020 and previously held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2010 to 2020. Outside of his advisory role, he has ownership in two non-investment business entities with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold. The firm’s offerings include specialized planning services and integrate advisory with other financial product sales and affiliated services.

Collin Kagan is a CFP®-certified financial advisor with seven years of industry experience, currently serving at Raymond James Financial. He has held roles at several firms, including New York Life and The Retreat, and is an officer and vice president of Soundside Wealth Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs for municipal finance and SIMPLE IRA Employer Advisory services.

Brett Machtig is a financial advisor with LPL Financial in Destin, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His career includes roles at United Planners Financial Services and management of multiple advisory and insurance service entities. He is also an author and owner of American Training Videos, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a broad network of advisors.

Jeremy Cronin is a financial advisor with Cetera in Destin, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Hancock Whitney Bank and Regions Bank, among others. 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 multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies across various program structures and custodial relationships.

Wendy Kidd is a financial advisor with Merrill in Fort Walton Beach, FL. She holds a Series 66 designation and has 14 years of industry experience, having been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Paul Stinebiser is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2016. He has nine years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Mark Litton is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and nine years of industry experience. His prior roles include positions at NY Life Securities LLC and New York Life Insurance Company. He is based in Fort Walton Beach, FL. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, with a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Rachael Mcbride is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding a Series 63 designation and 23 years of industry experience. She worked at Morgan Stanley Smith Barney for nine years before joining Wells Fargo Advisors in 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including business-owner transition and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Joshua Little is a financial advisor with Wells Fargo Advisors in Destin, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he had roles at Amazon and multiple periods working at Crab Trap. 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 planning menu tailored to clients meeting a net-worth threshold, delivering recommendations through meetings and written summaries, with implementation options through various brokerage or advisory programs.

Keith Offel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011 and also serves in the U.S. Air Force. Offel is the owner and president of Stonehaven Financial Group, a financial services business based in California. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent financial professionals, utilizing a variety of portfolio management and model-based solutions tailored to client objectives.

Nancy Kline is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advising, she owns and manages several entities related to real estate investment. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services using a broad planning menu and proprietary research tools. The firm offers tailored recommendations and integrates advisory services with other financial product sales and referral channels.

Matthew Ritter is a financial advisor at Edward Jones in Ft Walton Beach, FL, holding Series 63 and Series 66 credentials with 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and overlay tax-efficient services.

Jonathan Kagan is a financial advisor with Raymond James Financial who holds the CFP® designation and has 26 years of industry experience. He has served in various roles at Raymond James since 2004 and owns two support companies, Soundside Financial Services, Inc. and Soundside Wealth Advisors. Kagan is also a member of the Finance Committee for the YMCA of Northwest Florida. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients, offering tailored, non-discretionary advice supported by advanced analytical tools.

Frank Firestone is a financial advisor at Primerica Advisors with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Primerica since 1998. In addition to his advisory role, he serves as a director of General Stone Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven strategies created by unaffiliated asset managers and provides trade execution and custody through Pershing, managing approximately $15.5 billion in assets under management.

Michelle Kowal is a financial advisor at UBS Financial Services with 28 years of industry experience. She has worked at UBS since 1999 and also maintains a role at Mertins Investment & Insurance Services since 1998. Kowal holds the Series 63 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client solutions.