John Woodruff is a financial advisor with LPL Financial in Miramar Beach, FL, holding Series 63, 65, and 66 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2010, following roles at Wells Fargo Clearing and Ameriprise Advisor Services. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisory services through a large network of investment adviser representatives.

Melissa Hines is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 65 licenses. She has 23 years of industry experience, including six years at Guardian Life prior to joining Cambridge in 2019. Hines serves as a board member of the Hines Educational Foundation in Henderson, NC. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial wellness services to a diverse client base. The firm supports a wide range of investment approaches through multiple custody platforms and offers both proprietary and third-party model strategies.

Angela Hilderbrand is a financial advisor with Morgan Stanley in Destin, FL, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured planning tools and scenario modeling.

Steven Cann is a financial advisor with Raymond James & Associates in Destin, FL, holding a Series 66 designation and having 19 years of industry experience. He has been with Raymond James & Associates since 2009. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by extensive research and multiple portfolio management styles.

Debra Reyle is a Senior Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to develop personalized financial strategies that align with their individual goals, leveraging the investment insights of Merrill and the lending solutions of Bank of America. Debra holds a Bachelor's Degree from Davidson College and a Juris Doctorate Degree from the University of Miami School of Law. She is also designated as a Personal Investment Advisor (PIA). In addition to her professional work, Debra is actively involved in community service, volunteering with local organizations consistent with Merrill’s tradition of community participation.

Allen Whitehurst is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and Spelman & Co., Inc. Outside of his advisory role, he owns a sole proprietorship selling term life insurance and fixed annuities. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes through multiple advisory platforms.

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.

Eric Delagarza is a financial advisor at Morgan Stanley with 20 years of industry experience. He has worked at UBS Financial Services for 12 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2025. Delagarza holds Series 65 and Series 66 licenses and is based in Destin, FL. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment modeling while generally acting in an advisory capacity for client plans.

Mark Kilbride is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at Eglin Federal Credit Union, CUSO Financial Services, CUNA Brokerage Services, Kestra Financial Services, Klear Financial, and Raymond James & Associates. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes automated allocations, third-party managers, and bespoke strategies, managing over $256 billion in assets with a network of more than 10,000 advisors.

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.

Patrick Poate is a financial advisor with Wells Fargo Clearing in Miramar Beach, FL, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked independently and has held instructional roles at Rocky Bayou Country Club. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics to guide its diversified investment approach and operates one of the largest advisor networks in the industry.

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.

Andrew Bonjean is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He has been with Wells Fargo since 2016 and previously worked at A. G. Edwards & Sons, Inc. for eight years. He holds a Series 63 designation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Crystal Buchholz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. Her career includes multiple tenures with Wells Fargo Clearing and a year at Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers both brokerage and advisory solutions.

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.