John Mccallion is a financial advisor with Ameriprise in Panama City Beach, FL, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has been with Ameriprise since 2015, including its predecessor Ameriprise Financial Services, Inc. Outside of his advisory role, he owns and manages several LLCs related to vacation rental properties. Ameriprise provides a retirement-income planning service aimed at clients approaching or in retirement who meet specific asset thresholds, delivering written, non-discretionary Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Nancy Ungarino is a financial advisor with LPL Financial based in Santa Rosa Beach, FL, holding a Series 66 designation and seven years of industry experience. Her prior work includes five years at Edward Jones and experience in credit union and development sectors. She is also a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by proprietary and third-party research, offering both discretionary and non-discretionary management options.

Nicholas Boehle is a financial advisor at Edward Jones with nine years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Michael Farne is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Raymond James since 2010. Outside of his advisory role, he serves as CEO of Farne Financial, a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, along with specialized offerings in municipal finance and employer advisory services.

David Teeter is a CFP®-certified financial advisor with 42 years of industry experience. He has been with Wells Fargo Advisors since 2022, following six years at Wells Fargo Clearing and a prior year at Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, supported by Wells Fargo’s research and planning tools.

Kenneth Rickelman is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes seven years at Commonwealth Financial Network and 21 years with Lincoln Financial Securities Corporation. Outside of his advisory role, he is an agent for Choice Benefit Plans, Inc., where he sells and services insurance products including life, health, fixed annuities, and disability insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports advisory programs across a large network of advisors.

Richard Mcdowell is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James & Associates since 2006. Raymond James & Associates is a large firm serving individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions. The firm features a broad range of portfolio management styles and notable municipal advisory services.

C Travis Saacke is a CFP® credentialed financial advisor with Ameriprise, bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Saacke subleases office space to other advisors within his Ameriprise office without deriving income from these arrangements. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for clients nearing or in retirement that emphasizes written recommendations and ongoing retirement-income planning.

Edward Moore is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2013. 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, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Jessica Pena is a CFP® professional with six years of industry experience, currently associated with Edward Jones since 2019. Prior to her tenure at Edward Jones, she worked in various roles including at Old Chicago and Professional Therapy Services. Outside of finance, she is involved as a fitness trainer at Fitclub30A in Inlet Beach, Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Frank Clark Jr. is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 66 credentials and has 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2006. Outside of his advisory role, he also works as an independent insurance agent for various insurance companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm delivers these services through a large network of independent professionals, using multiple custody platforms and both proprietary and third-party investment strategies tailored to client objectives.

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, holding Series 65 and Series 66 designations and bringing 28 years of industry experience. He has worked at firms including Securities America, Inc., INVEST Financial Corp, and operates Muchard Financial, a tax preparation and accounting business. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios and research from multiple sources.

Richard Grodzicki is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses and 52 years of industry experience. He previously worked for UBS Financial Services for 15 years before joining Morgan Stanley in 2024. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and investment modeling techniques but generally acts in an advisory capacity rather than as a fiduciary for retirement accounts without separate engagement.

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.

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.

William Dugger is a financial advisor with Robert Baird & Co. in Santa Rosa Beach, FL, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with J.J.B. Hilliard, W.L. Lyons, Inc. and Hilliard Lyons since 1998 and joined Robert Baird in 2019. Outside of his advisory role, he is a rental property owner. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group provides consulting and portfolio services tailored to client goals using a variety of investment strategies and management approaches.

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.