Leanne Jewett is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she has worked since 2008. She provides personalized advice to affluent families and individuals, focusing on complex wealth challenges and helping clients achieve their unique financial goals. Her expertise covers areas such as college education planning, family wealth management, legacy planning, socially responsible investing, and retirement income strategies. With over 16 years of institutional capital markets experience, Leanne previously held roles at Nomura Securities New York as a Vice President and Sales Trader. She holds the Chartered Financial Analyst (CFA) designation and is a qualified Portfolio Manager in Merrill Lynch's Investment Advisory Program. Leanne attended Dalhousie University and has a High School Diploma from Hants West Rural High School. Leanne is also active in community service, supporting organizations including the Alaqua Animal Refuge, American Society for Prevention of Cruelty to Animals, Hilton Head Humane Society, Noah's Ark Rescue, and the World Wildlife Fund. In her personal time, she enjoys boating, cooking, hiking, horseback riding, interior decorating, skiing, spending time with her family, and playing table tennis.

Teresa Mclaughlin Bass is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2007, she has worked to guide her clients toward achieving their individual and family financial goals. Her focus areas include retirement planning, college education planning, family wealth management strategies, legacy planning, and portfolio management services. Tess employs a defined process that begins with understanding each client's unique situation to establish objectives, develop suitable strategies, and review progress. She utilizes a conservative investment approach emphasizing tax minimization, capital preservation, and estate planning services. Tess holds the Chartered Financial Consultant (ChFC®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA®) designations. She graduated cum laude with a Bachelor of Science degree in Business Administration from Troy State University. A native of Destin, Tess resides in Shalimar with her husband, Joe, and their son, Carver. She supports local communities including Liza Jackson Preparatory School and Impact 100 Northwest Florida. Her personal interests include boating, fishing, football, music, reading, spending time with family, and traveling.

Raymond Mcgovern is the Senior Resident Director at Merrill Lynch Wealth Management. In his role, he manages teams and portfolios, offering services that include estate planning, portfolio and income management strategies, and retirement income strategies. Through Bank of America, he also provides access to philanthropic services. Raymond joined Merrill Lynch Wealth Management in 1981 following his graduation from West Virginia Wesleyan College, where he earned a bachelor's degree in business management. He holds the designations of Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). His work has been recognized multiple times in Barron's annual rankings of top financial advisors in the United States. He lives in Fort Walton Beach, Florida, with his wife and three children. Raymond serves on the board of the White Wilson Community Foundation and is a senior member of the Fort Walton Beach Kiwanis Club.

Mark Kilbride is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at CUNA Mutual Group, Kestra Financial Services, and CUSO Financial Services. Kilbride is also associated with Eglin Federal Credit Union. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over 10,000 advisors and approximately $256 billion in assets under management.

David Zhang is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab Bank, Charles Schwab, and TD Ameritrade in various roles since 2019. Prior to his financial services career, he was employed at the University of Minnesota in facilities management, public safety, and other capacities. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a blend of non-discretionary advisory relationships and access to discretionary separately managed accounts via an integrated platform with centralized custody and operational support.

Kaide Farne is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. Before joining Raymond James, he spent three years at RSM US LLP. He is also involved with KMF Private Wealth LLC, a financial advising business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary planning and analytical tools to support client goals.

Ursula Dunbar is a financial advisor with Cambridge Investment Research Advisors in Ft Walton Beach, FL. She holds Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Cambridge since 2011. Dunbar is also the managing member of Authentic Insurance LLC and Authentic Financial Advisors LLC, companies involved in insurance services and financial advising. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, providing various portfolio management and model-based solutions tailored to client objectives.

Charles West is a ChFC® credentialed advisor with 35 years of industry experience, currently serving at Raymond James Financial since 2009. He has prior experience founding Charles C. West and Associates and has held various roles within Raymond James Financial Services since 2001. Outside of his advisory work, West is a committee member of the Ft Walton Beach Rotary Scholarship Inc., where he assists with awarding college scholarships. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical and risk profiling tools and supports investment implementation through advisory programs and other providers.

James Richburg is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 23 years of industry experience. He has been with Primerica Advisors since 2002 and also has a role at Wiley Sanders Truck Lines. Outside of advisory activities, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm uses third-party asset managers and maintains authority over model selection, operating primarily on a percentage-based wrap fee structure.

Carl Mignacca is a financial advisor with Edward Jones in Niceville, Florida, holding Series 63 and Series 66 licenses. He has 25 years of industry experience and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Harry Holmes is a financial advisor with Primerica Advisors, holding a Series 66 designation and having 25 years of industry experience. His work history includes roles at HD Vest, Turbo Tax TA, and his own tax preparation and business ventures. Outside of advising, Holmes owns businesses including Holmes Ice Company LLC and a tax preparation firm, and he is also a licensed real estate broker. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure.

Thomas Hutson Wiley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves clients with expertise in trading strategy and market structure. Thomas brings extensive experience to his role, having begun his career in 1998 serving the venture capital and private equity communities with Robertson Stephens. He played a key role in opening the firm's London office in 2000 and the New York office in 2001. In 2002, he co-founded Merrill Venture Services alongside partners Valerie and Andrew. Prior to his time at Robertson Stephens, Thomas worked as a financial analyst for Booz Allen Hamilton for two years. Thomas holds a bachelor's degree from the University of Virginia and carries the Personal Investment Advisor (PIA) designation. He has been recognized in several industry rankings, including Forbes' "Best-in-State Wealth Advisors" from 2023 to 2026, Barron's "Top 100 Financial Advisors" in 2023, and Barron's "Top 1200 Financial Advisors" in 2024. Thomas splits his time between the San Francisco and New York offices of Merrill Lynch Wealth Management.

John Little is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has held various positions within Wells Fargo since 2009. Outside of his advisory role, he serves on the architectural review committee for a condominium association in Destin, Florida. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, employing a broad planning menu and integrating advisory services with banking and other financial products.

Roy Gray is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads The Gray Group, a financial advisory team serving successful families, corporate executives, small business owners, and professionals in the medical and legal fields. The team focuses on helping clients prepare for and navigate the next stage of their financial lives, with an emphasis on family wealth management, personal retirement planning, and small business strategies. Roy and his team serve as trusted confidants, providing guidance that supports clients in diligently preparing, organizing, and acting on their financial goals. Roy holds a bachelor's degree from the University of Maryland and a master's degree from the College for Financial Planning. He has earned multiple professional designations, including Certified Financial Planner (CFP®), Accredited Asset Management Specialist (AAMS™), Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC™), Chartered Retirement Plans Specialist (CRPS™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is fluent in English and German. Outside of his professional role, Roy enjoys cycling, swimming, golf, ballroom dancing, antiquing, chess, running, scuba diving, and traveling. He values spending time with his family.

Stephanie Duffield is a financial advisor with Edward Jones in Destin, Florida. She holds the CFP® and Series 66 designations and has 16 years of industry experience, including over 17 years with Edward Jones. 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 strategies, operating under a fiduciary standard, and maintains a large network of financial advisors and branch offices nationwide.

Tamara Kotaska serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She holds the designation of Personal Investment Advisor (PIA) and completed a Non Accredited Certificate Program at the University of Louisville. Tamara's professional focus includes delivering personalized and comprehensive financial guidance aimed at empowering individuals and families to make informed decisions that enhance their financial well-being. She specializes in providing tailored advice across areas such as wealth management, estate and succession planning, tax optimization, risk management, philanthropy, and family governance. Her mission centers on building long-lasting relationships based on trust and integrity, using education, transparency, and proactive planning to align financial strategies with each client's unique needs and aspirations.

Adam Vafides is a financial advisor with Raymond James & Associates in Destin, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Guaranteed Rate and PrimeLending. 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 municipalities, offering financial planning, investment consulting, and municipal advisory services.

Samuel Shackle is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience, including roles at PFS Investments Inc., Primerica Financial Services, and Gulf Winds Credit Union. Prior to entering financial services, he worked in education for several years. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and utilizes model-driven investment strategies managed by third-party asset managers.

Robert Wilson is a financial advisor with Raymond James & Associates in Destin, Florida, holding Series 63, Series 65, and Series 66 licenses. He has two years of industry experience, having previously worked at Safe Barriers North America LLC and as a self-employed professional. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing about $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Robert Runkle is a financial advisor with Morgan Stanley in Destin, Florida, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His prior roles include positions at Merrill and Bank of America, with over a decade at each, before joining Morgan Stanley in 2021. Outside of his advisory work, he serves on the board and investment committee of the Montgomery Museum of Fine Arts. Morgan Stanley Wealth Management provides advisory and brokerage services to both individuals and institutions, offering financial planning and investment programs supported by structured processes and advanced modeling tools.