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.

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 in Ft Walton Beach, FL. She holds Series 63 and Series 65 licenses and has 28 years of industry experience. She has been with Cambridge since 2011. Dunbar is also the managing member of Authentic Insurance LLC and Authentic Financial Advisors LLC, companies involved in insurance services and financial advising. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, providing various portfolio management and model-based solutions tailored to client objectives.

Artiom Calmis is a CFP® professional with six years of industry experience, currently affiliated with Edward Jones. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, as well as experience in the hospitality sector. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad network of financial advisors, offering a range of discretionary and non-discretionary investment strategies alongside affiliated funds and specialized advisory services.

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 with Wells Fargo Clearing, holding a Series 63 designation and bringing 26 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gary Croxall is a CFP® professional with 49 years of industry experience. He has worked at LPL Financial since 2017 and previously spent 17 years with National Planning Corporation. He also operates Croxall Capital Planning, a business he has been involved with since 1976. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and a variety of investment management services.

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.

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.

Thomas Hutson Wiley is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves clients with expertise in trading strategy and market structure. Thomas brings extensive experience to his role, having begun his career in 1998 serving the venture capital and private equity communities with Robertson Stephens. He played a key role in opening the firm's London office in 2000 and the New York office in 2001. In 2002, he co-founded Merrill Venture Services alongside partners Valerie and Andrew. Prior to his time at Robertson Stephens, Thomas worked as a financial analyst for Booz Allen Hamilton for two years. Thomas holds a bachelor's degree from the University of Virginia and carries the Personal Investment Advisor (PIA) designation. He has been recognized in several industry rankings, including Forbes' "Best-in-State Wealth Advisors" from 2023 to 2026, Barron's "Top 100 Financial Advisors" in 2023, and Barron's "Top 1200 Financial Advisors" in 2024. Thomas splits his time between the San Francisco and New York offices of Merrill Lynch Wealth Management.

John Little is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has held various positions within Wells Fargo since 2009. Outside of his advisory role, he serves on the architectural review committee for a condominium association in Destin, Florida. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, employing a broad planning menu and integrating advisory services with banking and other financial products.

Roy Gray is a Wealth Management Advisor at Merrill Lynch Wealth Management and leads The Gray Group, a financial advisory team serving successful families, corporate executives, small business owners, and professionals in the medical and legal fields. The team focuses on helping clients prepare for and navigate the next stage of their financial lives, with an emphasis on family wealth management, personal retirement planning, and small business strategies. Roy and his team serve as trusted confidants, providing guidance that supports clients in diligently preparing, organizing, and acting on their financial goals. Roy holds a bachelor's degree from the University of Maryland and a master's degree from the College for Financial Planning. He has earned multiple professional designations, including Certified Financial Planner (CFP®), Accredited Asset Management Specialist (AAMS™), Chartered Financial Consultant (ChFC), Certified Exit Planning Advisor (CEPA), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC™), Chartered Retirement Plans Specialist (CRPS™), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is fluent in English and German. Outside of his professional role, Roy enjoys cycling, swimming, golf, ballroom dancing, antiquing, chess, running, scuba diving, and traveling. He values spending time with his family.

Shelley Albarado is a financial advisor at Edward Jones with 11 years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving 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 and investment solutions through a nationwide network of financial advisors and branch offices.

Stephanie Duffield is a financial advisor with Edward Jones in Destin, Florida. She holds the CFP® and Series 66 designations and has 16 years of industry experience, including over 17 years with Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard, and maintains a large network of financial advisors and branch offices nationwide.

Debra Grill is a financial advisor with Robert W. Baird & Co., holding Series 63 and Series 65 designations and bringing 29 years of industry experience. She has worked at Robert W. Baird since 2018 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group provides customized financial planning and portfolio management services, utilizing a range of traditional and alternative investment strategies tailored to client goals and risk tolerances.