Kimberly James is a financial advisor with Morgan Stanley in Destin, FL, holding a Series 66 designation and bringing 23 years of industry experience. Her career includes 20 years at Merrill Lynch, Pierce, Fenner & Smith Inc., one year at Bank of America, N.A., and four years with Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services including estate planning and corporate financial planning agreements.

Connor Larson is a financial advisor at Charles Schwab with five years of industry experience. He holds the CFP® designation along with Series 66 and Series 63 licenses. Prior to joining Schwab, he spent five years with The Vanguard Group in multiple roles. 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 both non-discretionary and discretionary investment options, combining multi-asset model portfolios with access to alternative investments through a centralized platform.

Gustavo Gonzalez is a financial advisor with Primerica Advisors in Santa Rosa Beach, FL, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with Primerica Financial Services and PFS Investments Inc. since 1999. Outside of advisory work, he has involvement with Freedom Hierarchy, LLC, an investment-related entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

William Murphy is a CFP® with 20 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he is a co-owner of a beach house rental in Santa Rosa Beach, FL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Peter Stabell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 55 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, offering a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

John Woodruff is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 designations and has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning, advisory programs, and retirement consulting services with access to model portfolios and third-party research.

Melissa Hines is a financial advisor with Cambridge Investment Research Advisors in Destin, FL, holding Series 63 and Series 65 licenses and 22 years of industry experience. She previously worked at Guardian Life from 2013 to 2019 and has been with Cambridge Investment Research Advisors since 2019. Hines serves as a board member of the Hines Educational Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a range of portfolio management strategies and custody platforms.

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 37 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, he owns a sole proprietorship selling term life insurance and fixed annuities. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing various asset-allocation tools and third-party solutions to construct diversified portfolios for its clients.

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.

James Breen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, Breen serves as president of the Stephen Breen Memorial Foundation, organizing annual events for the nonprofit, and participates on the finance committee of St. Patrick Cathedral Church in Fort Worth, TX. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Will Lukow is Vice President and Executive Planning Consultant at Fidelity Investments, a position he has held since 2018. He has been with Fidelity Investments since 2009, progressing through roles including Regional Planning Consultant and Financial Consultant. Prior to joining Fidelity, Will worked as a Personal Financial Consultant at Allstate Financial Services and as a Financial Advisor at Smith Barney. Will holds insurance licenses in Arkansas and California. His professional approach focuses on understanding his clients' unique stories to provide tailored financial planning. Outside of work, he enjoys board games, concerts, golf, caring for pets, soccer, and traveling.

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.

Whitney Streck is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 17 years of industry experience. Prior to joining Ameriprise, Whitney worked at Amegy Bank and LPL Financial. Outside of advising, Whitney owns Streck Enterprises, managing his Ameriprise business operations. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that delivers tailored retirement planning through written recommendations and ongoing advice focused on income stability and tax-aware withdrawals.