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.

Richard Yoch is a financial advisor at Raymond James & Associates with 38 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Raymond James & Associates since 2013. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and consulting services that are generally non-discretionary, supported by a range of portfolio management styles and affiliated research.

Richard Miller is a financial advisor with Wells Fargo Advisors holding Series 63 and Series 65 credentials and 31 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. He also owns Rick Miller LLC, an investment-related business based in Niceville, FL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using Wells Fargo research and tools, integrating advisory services with other financial product offerings.

Luther Byrd is a financial advisor at Merrill with 46 years of industry experience. He holds a Series 63 designation and has worked at Merrill and Bank of America since 2009, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Davis is a financial advisor with LPL Enterprise holding the ChFC® designation and Series 63 and 65 licenses. He has 12 years of industry experience with prior roles at The Prudential Insurance Company of America, Pruco Securities, LLC, Regal Investment Advisors, and Integrity American Group. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors as well as institutional clients, using model-driven investment approaches and access to third-party asset managers and insurance products through affiliated entities.

Amy Parrish is a financial advisor with LPL Financial in Destin, FL, holding Series 63 and Series 65 credentials and having 16 years of industry experience. Her career includes roles at Raymond James Financial Services, First Florida Bank, Renasant Bank, and The First, A National Banking Association. Outside of her advisory work, she is involved in a family rental real estate business generating income to cover property expenses. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and more than $819 billion in discretionary assets.

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.

William Burns IV is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, portfolio management services, and tax minimization. In his role, he collaborates closely with clients' attorneys and CPAs to construct tax-efficient strategies that align with their overall wealth and estate planning goals. Though he is an active member of the Tennessee Bar, he does not provide legal or tax advice through his position at Merrill. William earned his Bachelor's degree from the University of the South and his Juris Doctorate from Belmont University College of Law in 2016, focusing on family law, estate planning, and business and tax law during his studies. He holds the Personal Investment Advisor (PIA) designation. He serves on the boards of several charitable organizations including Saddle Up!, Christ the King Episcopal Church Endowment, and the Loomis Charitable Foundation. Outside of his professional responsibilities, William enjoys spending time with his two children, Dottie and Loomis, playing golf, trying new restaurants, and enjoying a glass of wine.

William Yawn Sr. is a financial advisor with Merrill in Destin, FL, holding the Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Merrill since 2005 and has worked at Bank of America, NA since 2009. Yawn also serves as a CFP course lecturer and facilitator at Keiser College, preparing candidates for CFP qualifying exams. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm’s investment management includes multiple program strategies and manager-constructed approaches, supported by integration with Bank of America’s broader banking and capital-markets platform.

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.

Mary Tinsley is a financial advisor at LPL Financial with 13 years of industry experience, including 11 years at Edward Jones prior to joining LPL in 2024. She holds a Series 66 designation and operates in Fort Walton Beach, FL. Tinsley is involved with Sand and Shore Financial LLC, doing business as Tinsley Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions supported by a large network of investment adviser representatives and extensive operational resources.

Ted Densmore is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Wells Fargo Advisors since 2020 and previously held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2010 to 2020. Outside of his advisory role, he has ownership in two non-investment business entities with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services tailored to clients meeting a net-worth threshold. The firm’s offerings include specialized planning services and integrate advisory with other financial product sales and affiliated services.

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.

Brett Machtig is a financial advisor with LPL Financial in Destin, FL, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His career includes roles at United Planners Financial Services and management of multiple advisory and insurance service entities. He is also an author and owner of American Training Videos, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a broad network of advisors.

Donald David is the Resident Director and Wealth Management Advisor at Merrill, where he helps clients preserve and grow their wealth aligned with their financial goals. He has been serving the Fort Walton Beach and Destin community for over 35 years, combining his extensive background in banking and financial services to provide comprehensive wealth management planning. With over 20 years of banking experience as a Senior Vice President and a financial services career dating back to 1986, Donald offers expertise in investment and retirement planning, loan management, business strategic planning, family wealth management strategies, and retirement income. He holds several professional designations, including Chartered Financial Consultant (ChFC), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's Degree from the University of Florida. Donald is committed to ongoing client communication and service to achieve client goals. He participates actively in the community through involvement with the Kiwanis Club of Destin and the Local Planning Agency of the City of Destin. Outside of work, he enjoys football, spending time with his family, and traveling.

Jeremy Cronin is a financial advisor with Cetera in Destin, FL, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Hancock Whitney Bank and Regions Bank, among others. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create customized strategies across various program structures and custodial relationships.

Cynthia Lee is a financial advisor with Wells Fargo Clearing in Destin, FL, holding Series 63 and Series 65 licenses and one year of industry experience. She previously worked at Foundations Investment Advisors, LLC and Wilson Insurance & Financial, where she also managed marketing and operations alongside her advisory role. 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, supported by extensive research and a broad product platform.

Paul Stinebiser is a Series 66 licensed financial advisor with Edward Jones, where he has worked since 2016. He has nine years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Mark Litton is a financial advisor at Cetera with Series 63 and Series 66 designations and nine years of industry experience. His career includes roles at NYlife Securities LLC and New York Life Insurance Company, as well as positions at Regions Bank and Cetera Investment Advisers LLC. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party managers.

Rachel Miller is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her prior work includes positions at The St. Joe Company and Greenwood/Asher & Associates. She is based in Niceville, FL. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and institutions.