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, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Cambridge since 2011 and has operated several other business ventures including managing member roles in insurance and financial advisory firms. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and custody platforms.

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.

Gary Croxall is a CFP® with 49 years of industry experience, currently serving as a financial advisor at LPL Financial since 2017. Prior to joining LPL, he worked at National Planning Corporation for 17 years and operated Croxall Capital Planning for over four decades. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions, supported by a broad platform of research, technology, and third-party asset management options.

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 with Wells Fargo Advisors in Destin, FL, holding Series 63 and Series 65 designations and having 36 years of industry experience. His prior roles include positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is also involved in his community through service on the architectural review committee of a local condominium association. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, and specialized needs such as business-owner transition and sports and entertainment planning. Advisors use Wells Fargo research and planning tools to deliver tailored recommendations, with implementation options available through the firm’s brokerage or advisory programs.

Roy Gray is a Wealth Management Advisor with The Gray Group at Merrill Lynch Wealth Management. He works with successful families, corporate executives, small business owners, and medical and legal practitioners to help them prepare for and pursue the next stage of their financial lives. His advisory approach involves understanding clients' personal objectives, identifying their wealth accumulation strategies, and preparing to distribute their wealth. Roy's expertise includes family wealth management strategies, personal retirement planning, and small business strategies. He holds multiple professional designations including Accredited Asset Management Specialist (AAMS), Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP), 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). Roy earned a bachelor's degree from the University of Maryland and a master's degree from the College for Financial Planning. His language skills include English and German. Outside of work, he enjoys antiquing, biking, chess, dancing, golfing, running, scuba diving, swimming, traveling, and spending time with his family.

Thomas Hickman is a financial advisor with LPL Financial in Miramar Beach, FL, holding Series 63 and Series 66 licenses and 25 years of industry experience. He has worked at several firms including Raymond James Financial, BancorpSouth Investment Services, Amsouth Investment Management, and UBS Financial Services prior to joining LPL Financial in 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customizable strategies across various asset classes.

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.

Janice Bennett is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 credentials and having 42 years of industry experience. She has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

Tracy Lardiere is a financial advisor with Raymond James & Associates in Destin, FL, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. She has been with Raymond James & Associates since 2015. 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 broad range of clients, including high-net-worth individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management strategies and research resources.

Daniel Feliz is a financial advisor at Raymond James & Associates with nine years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services LLC. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting services with a range of portfolio management styles and affiliated research resources.