Nathanael Allen is a CFP®-certified financial advisor with nine years of industry experience, currently with Charles Schwab in Pensacola, FL. His career includes several roles within Charles Schwab entities and TD Ameritrade, as well as a position at FSA Investment Group LLC. He serves as a Budget and Finance Committee member for Trinity Presbyterian Church. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a comprehensive investment guidance platform supported by multi-asset model portfolios and due diligence on alternative investments.

Patrick Lanza is a financial advisor with Cambridge Investment Research Advisors in Pensacola, FL, holding Series 63 and Series 65 licenses and with 15 years of industry experience. He has worked with Lambert Lanza CPAs and operates Lanza Financial Services, LLC. Lanza also serves as a board member for Mission Ascend, Inc. and holds a treasurer position with the Creighton Center Owners' Association, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement advisory, and financial-wellness services through a network of independent professionals, employing both proprietary and third-party strategies across multiple platforms.

Richard Poirier is a Wealth Management Advisor with Merrill Lynch Wealth Management. He assists clients with integrated and custom wealth management strategies aimed at helping them pursue their financial goals, including retirement income planning, education funding, tax minimization strategies, and estate planning services. Richard's client focus areas include college education planning, equity compensation services, philanthropic planning, portfolio management, and socially responsible investing, among others. He holds a Bachelor's degree from the Georgia Institute of Technology and a High School Diploma from The Bolles School. Richard has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Richard is involved in his community through organizations such as the First Baptist Church of Pensacola, the Pensacola State College Foundation Board of Governors, and has served on the board of the Pensacola Symphony Orchestra. He lives in Pensacola, Florida, with his wife Claire and their two children.

Stephen Bryars is a financial advisor with MassMutual Investors Services, holding the ChFC® designation and Series 63 and 65 licenses. He has 44 years of industry experience, including prior roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as an agent with Bryars Financial Group, focusing on individual life, health, fixed annuities, and long-term care insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, ongoing planning engagements using firm-approved software and delivers written recommendations without investment discretion.

Michael Mabire II is a financial advisor at Stifel based in Pensacola, FL, holding a Series 66 designation. He has worked in the financial services industry since 2021, with experience at New York Life Insurance Company and Atlas Financial Strategies LLC. Mabire also attended the University of West Florida from 2022 to 2025. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Emory Wilkinson is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Bret Lomax is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He joined Merrill in 1995 and provides a broad range of financial services including investment management, retirement planning, trust and estate planning strategies, wealth preservation and insurance planning, liability management, strategies for concentrated equity positions, and business and retirement plans. He graduated from the University of West Florida in 1986 with a Bachelor of Science in Accounting and a Minor in Finance. Prior to joining Merrill, Bret worked as a staff accountant with Deloitte Haskins & Sells (now Deloitte Touche) in public accounting and as an insurance agent and investment advisor with Northwestern Mutual. His professional experience allows him to understand individual, family, and business financial needs and develop long-term strategies for growth, preservation, and transfer of assets, working closely with clients' attorneys and CPAs to maximize tax efficiency and financial stability. Bret holds the Personal Investment Advisor (PIA) designation. Bret is a native of Pensacola and resides in Pace with his wife, Susan. They have two grown children and are active members of their local church and participate in civic organizations, including The Rotary Club of Pace.

Christina Straut is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, she is involved with Hub and Spoke Operational Support Services, LLC as a paraplanner. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement with substantial investable assets. The firm offers a combination of advisory, brokerage, and insurance solutions, using a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

William Meigs is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in legacy planning, personal retirement planning, and tax minimization, focusing on helping clients develop strategies to pursue their financial goals. With a comprehensive approach to financial advising, William takes time to understand what is important to his clients and their families. He provides assistance ranging from general investing to retirement planning and preparing for unexpected financial needs. William utilizes the resources available through Merrill Lynch and the banking capabilities of Bank of America to support his clients' financial futures. William holds a Bachelor's Degree from the University of Georgia and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional work, he enjoys activities such as bowling, fishing, golfing, running, skiing, soccer, surfing, traveling, and spending time with his family.

Michael Baggett is a financial advisor with Morgan Stanley in Pensacola, FL, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes long tenures at Merrill and Bank of America, prior to joining Morgan Stanley. He is also a member of Angel Investor Management Group LLC, which provides access to investments in early-stage companies. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad array of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Tod Wilson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 31 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers comprehensive investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources while providing both brokerage and advisory solutions.

William Francis is a financial advisor at Stifel with 29 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining Stifel in 2009, he worked at UBS Financial Services beginning in 2003. Outside of his advisory role, he is the owner and president of Tailgate Toolbelt LLC, a company that manufactures outdoor goods for camping and emergency response personnel. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services supported by proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Zachary Brooks is a CFP® with nine years of industry experience, currently serving as a financial advisor at LPL Financial since 2024. He previously worked at Edward Jones for seven years and spent nine years at Sherwin-Williams prior to his career in financial services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning, asset management, and institutional platforms.

Barksdale Jordan is a financial advisor with Stifel, holding Series 63 and Series 65 credentials and 47 years of industry experience. He has been with Stifel since 2009. Jordan serves on the Board of Directors at Lakeview Center and is a member of multiple committees at Baptist Health Care, including its investment sub-committee and the Audit and Finance Committee. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Staci Corley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2015, with a brief tenure at PNC Investments LLC from 2023 to 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides a wide range of advisory programs, including financial planning that uses structured discovery and firm-approved tools to model outcomes for clients.

Jennifer Ryba Spurgas is a financial advisor with Ameriprise in Pensacola, FL, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2004. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering tailored written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with client advisors.

Jennifer Miller is a financial advisor at Stifel with 13 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2017 and previously worked at McMahon Hadder Insurance. She holds Series 63 and Series 65 licenses. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Scott Hardie is a Wealth Management Advisor at Merrill Lynch Wealth Management. He provides financial planning services with a focus on family wealth and liability management. Scott has extensive experience in areas including college education planning, legacy planning, LGBT wealth planning, personal retirement planning, philanthropic planning, portfolio management, special needs planning strategies, tax minimization, and retirement income. Scott was born and raised in New Orleans. He earned his Bachelor's Degree from the University of Mississippi and completed graduate studies at George Washington University. Prior to joining Merrill Lynch Wealth Management in 1996, he spent 11 years in Corporate International Banking with two banks in Washington, D.C. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Scott is actively involved in his community, serving as a board member for the Metropolitan Crime Commission and the YMCA of Greater New Orleans. He is married to Jennifer and they have three children.

Steven Clay is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. Outside of his advisory role, he coaches a high school volleyball team in Gulf Breeze, Florida. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment models as part of its advisory process.

Charles Posey is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 12 years of industry experience. His prior work includes roles at Morgan Stanley, BBVA Securities, and Edward Jones. Outside of his advisory work, he serves as Vice President of the Scenic Hills North Subdivision Homeowners Association in Pensacola, FL. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo, offering a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm provides tailored recommendations using proprietary research and planning tools, with planning engagements typically being discrete and optional for clients to implement.