Benjamin Dukes is a Series 66-registered financial advisor at UBS Financial Services with 16 years of industry experience. He has been with UBS since 2012 and previously worked at the Georgia Institute of Technology from 2018 to 2021. He serves as an executor of an estate, which is noted as part of his other professional activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and supports its advisors with proprietary research and model-based asset allocations.

John Churchill is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience with Woodbury Financial Services Inc., Churchill Wealth Management, Inc., and SII Investments, Inc. Outside of advising, he is an insurance agent and owns a property management business. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services supported by advanced portfolio construction tools and multiple advisory platforms.

William Parker is a financial advisor with Wells Fargo Advisors and holds a Series 66 designation. He has experience working at LPL Financial and has a diverse background that includes time at Tombigbee Log Homes and teaching at Auburn University and Pickens Academy. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and develops tailored recommendations using proprietary research and tools, delivering these through meetings and written summaries.

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.

Kevin Myers is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and is also the owner of 30A Wealth Management. Outside of his advisory roles, he serves as an executor for family wills. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified investment services through a multi-manager platform, providing access to both affiliated and third-party money managers under various program structures.

Michael Bedsole is a CFP® professional with 31 years of experience in financial advisory services. He has worked at Raymond James & Associates since 2021 and previously spent 18 years at SunTrust Investment Services, including five years at SunTrust Advisory Services. Outside of his advisory role, he is a partner in real estate ventures involving land development and property holdings in Crestview, Florida. Raymond James & Associates serves a broad client base, including individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a large adviser network and a range of portfolio management styles.

Jared O Neal is a CFP® professional at Raymond James & Associates with 23 years of industry experience. He has worked at Raymond James since 2014 across multiple affiliated entities and held prior roles at First Florida Bank and First Protective. Neal serves as a trustee on the Destin Fire Department Retirement Board, providing fiduciary oversight of the board’s investment decisions for the retirement plan. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal clients with financial planning, investment consulting, and institutional fiduciary solutions, employing a comprehensive range of portfolio management styles supplemented by firm research and model manager options.

Nancy Ungarino is a financial advisor with LPL Financial based in Santa Rosa Beach, FL, holding a Series 66 designation and seven years of industry experience. Her prior work includes five years at Edward Jones and experience in credit union and development sectors. She is also a licensed notary public. 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 of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services supported by proprietary and third-party research, offering both discretionary and non-discretionary management options.

Matthew Ridnouer is a financial advisor with Wells Fargo Clearing in Destin, FL, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked previously at Wells Fargo Advisors LLC from 2011 to 2016. 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 advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Michael Farne is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Raymond James since 2010. Outside of his advisory role, he serves as CEO of Farne Financial, a support company unrelated to investment activities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and employs analytical tools to support client goals, along with specialized offerings in municipal finance and employer advisory services.

William Burns IV is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing clients with strategies tailored to pursue their desired lifestyle and financial future. He collaborates closely with clients' attorneys and CPAs to develop tax-efficient strategies aligned with their overall wealth and estate planning objectives. His client focus areas include family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, portfolio management services, and tax minimization. Will Burns earned his Bachelor's degree from The University of the South and holds a Juris Doctorate degree from Belmont University, where he specialized in family law, estate planning, and business and tax law. He is an active member of the Tennessee Bar but does not provide legal advice in his role at Merrill. He holds the Professional Investment Advisor (PIA) designation. In addition to his professional work, William supports various charitable organizations and serves on the boards of Saddle Up!, Christ the King Episcopal Church Endowment, and the Loomis Charitable Foundation. He enjoys spending time with his family and engaging in activities such as golfing, antiquing, biking, cooking, hunting, and music.

William Yawn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with families, individual investors, and business owners to develop long-term financial strategies tailored to their personal goals and financial situations. William's approach involves analyzing clients' needs and goals, evaluating their overall financial situation, establishing time horizons and investment risk tolerance, and developing asset allocations based on these objectives. He creates and reviews personalized wealth management strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. William earned a Bachelor's Degree from the University of Memphis. He holds the Personal Investment Advisor (PIA) designation. Additionally, he follows the Merrill tradition of community involvement and volunteers with organizations in the communities he serves.

Christopher Finkler is a financial advisor with Raymond James & Associates in Destin, FL, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Raymond James & Associates since 2015. Outside of his advisory role, he is a co-owner of a real estate brokerage and the managing member of a property management LLC that leases space to his practice and other tenants. Raymond James & Associates is a 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 municipal entities—and offers financial planning, investment consulting, and institutional fiduciary services, emphasizing tailored, software-driven analyses and a range of portfolio management styles.

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.

Kenneth Rickelman is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds the ChFC® and Series 63 designations. His prior experience includes seven years at Commonwealth Financial Network and 21 years with Lincoln Financial Securities Corporation. Outside of his advisory role, he is an agent for Choice Benefit Plans, Inc., where he sells and services insurance products including life, health, fixed annuities, and disability insurance. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports advisory programs across a large network of advisors.

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.

Nichole Rabon is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Marion Everett is a financial advisor with Morgan Stanley in Destin, FL, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney LLC since 2009. Everett is also the founder of Balsam Trees Consulting, LLC, an outside business activity she maintains alongside her advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning that utilizes firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through financial advisors as well as corporate financial planning agreements.

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.