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.

Virginia Thompson is a Series 66 licensed financial advisor with eight years of industry experience, currently associated with LPL Financial in Panama City, FL. She has worked at LPL Financial since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of financial planning, advisory programs, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

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 at Merrill Lynch Wealth Management. He serves clients by following a disciplined process that begins with understanding their families, financial situations, and priorities. Scott is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor (PIA) designation. He has a Bachelor's Degree from Southern Methodist University. He is committed to building and maintaining strong relationships with clients to help them focus on their full financial picture and important financial decisions.

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 seven years of industry experience. Prior to joining Wells Fargo in 2018, he worked at National Healthcare Corporation and AstraZeneca. Outside of his advisory role, he serves as treasurer for Northstar Church, where he assists with operations and budgeting. 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, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Joseph Mccurley is a CFP®-certified financial advisor with 29 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns Curley Mac, LLC, a non-investment-related business, and works as a rideshare driver. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jared Burleson is a CFP® with 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He is based in Panama City, FL. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options, to meet plan objectives and risk tolerances.

John Perez Sanchez is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding clients' personal priorities and developing strategies to help them pursue their financial goals. He provides guidance on a range of topics including general investing, retirement planning, and saving for unforeseen circumstances. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). John earned his Bachelor's Degree from Valdosta State University. He is bilingual in English and Spanish, which allows him to serve a diverse client base.

Phil Donahue is a financial advisor at Primerica Advisors with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 1983. Outside of his advisory role, he is involved in referrals for home security and automation products through a Primerica affiliate. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Steven Seward is a financial advisor with Cambridge Investment Research Advisors in Panama City Beach, FL, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. He has been with Cambridge Investment Research Advisors since 2005 and has longstanding affiliations with The Financial Planning Center and Cambridge Investment Research, Inc. Outside of advisory work, he owns LifePoint Financial Solutions, an insurance agency. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing various portfolio management approaches and platform arrangements tailored to client objectives.