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.

Joseph Rizza is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as power of attorney for family members to assist with investment-related matters. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

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.

Duncan Conroy is a financial advisor with LPL Financial in Santa Rosa Beach, FL, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked for Southern Airways Express from 2016 to 2021. 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. The firm provides a range of advisory programs, financial planning, and consulting services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

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.

Robert Coletta is a financial advisor with OSAIC in Santa Rosa Beach, FL, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior roles include positions at LPL Financial, Centennial Bank, and Investment Professionals, Inc. Outside of his advisory work, he owns a sole proprietorship related to insurance and serves as a trustee managing a family trust. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated advisory and brokerage services. The firm employs various asset-allocation tools and third-party platforms to manage portfolios that include stocks, bonds, mutual funds, ETFs, and alternative investments.

John Hodges III is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. He has worked at LPL Financial since 2018 and concurrently serves as Vice President and Private Banker at Capital City Bank. Prior to these roles, he held positions at Wells Fargo Clearing and Wells Fargo Bank NA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Travis Hoyt is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2019, following a 12-year tenure at Merrill. 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 broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

William Sadler is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at LPL Financial since 2018, with prior experience at INVEST Financial Corporation. Outside of advisory services, he owns a leadership training business and is the author of a book on leadership. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and various management options.

John Keating is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Oppenheimer & Co. Inc and Moors & Cobat. Keating is involved in non-variable insurance activities alongside his advisory role. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.