Michael Farne is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 licenses and has 24 years of industry experience. He has been with Raymond James since 2010. Outside of his advisory role, he is CEO of Farne Financial, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension plans, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a municipal advisor affiliation.

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.

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.

William Stevenson is a financial advisor at Raymond James & Associates with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2008. Outside of his advisory role, he is also involved in rental real estate ownership. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and charitable organizations. The firm offers a range of financial planning and consulting services with various portfolio management styles supported by in-house research and affiliated sub-advisers.

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.

Cynthia Thibodaux is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for 14 years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Matthew Wegner is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 25 years of industry experience. Prior to joining Raymond James in 2022, he spent 15 years at Edward Jones. Outside of his advisory work, he is a partner in a local real estate business, Sweet Home Bay County. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and leverages risk profiling and modeling tools to support client goals.

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.