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.

Tamara Kotaska serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. She holds the designation of Personal Investment Advisor (PIA) and completed a Non Accredited Certificate Program at the University of Louisville. Tamara's professional focus includes delivering personalized and comprehensive financial guidance aimed at empowering individuals and families to make informed decisions that enhance their financial well-being. She specializes in providing tailored advice across areas such as wealth management, estate and succession planning, tax optimization, risk management, philanthropy, and family governance. Her mission centers on building long-lasting relationships based on trust and integrity, using education, transparency, and proactive planning to align financial strategies with each client's unique needs and aspirations.

Luke Koehler is a financial advisor with Equitable Advisors, holding a Series 66 designation and three years of industry experience. He has served in the United States Army since 2009 as a Defense Officer. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm delivers its services through a network of Investment Adviser Representatives using a range of proprietary and third-party investment programs.

Adam Vafides is a financial advisor with Raymond James & Associates in Destin, FL, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Guaranteed Rate and PrimeLending. 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 diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and municipal advisory services.

Samuel Shackle is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 licenses. He has one year of industry experience, including roles at PFS Investments Inc., Primerica Financial Services, and Gulf Winds Credit Union. Prior to entering financial services, he worked in education for several years. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates through a large network of advisors and utilizes model-driven investment strategies managed by third-party asset managers.

Joseph Altic is a CFP®-designated financial advisor with LPL Financial, where he has worked for 28 years. He has a total of 32 years of industry experience and is currently based in Inlet Beach, FL. Prior to his tenure at LPL, he has been associated with Community Bank Of Trenton since 2022. 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 and access to third-party asset management, implemented through customizable strategies and supported by various operational and research tools.

Robert Wilson is a financial advisor with Raymond James & Associates in Destin, Florida, holding Series 63, Series 65, and Series 66 licenses. He has two years of industry experience, having previously worked at Safe Barriers North America LLC and as a self-employed professional. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing about $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions.

Charles Doucette Jr. is a financial advisor with Wells Fargo Clearing who holds Series 63 and Series 66 credentials and has 12 years of industry experience. He previously worked at Merrill Lynch and Bank of America, N.A. Outside of his advisory work, he is the sole owner of a rental property business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of financial advisors.

Robert Runkle is a financial advisor with Morgan Stanley in Destin, Florida, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. His prior roles include positions at Merrill and Bank of America, with over a decade at each, before joining Morgan Stanley in 2021. Outside of his advisory work, he serves on the board and investment committee of the Montgomery Museum of Fine Arts. Morgan Stanley Wealth Management provides advisory and brokerage services to both individuals and institutions, offering financial planning and investment programs supported by structured processes and advanced modeling tools.

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.

Janice Bennett is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 credentials and having 42 years of industry experience. She has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. In addition to her advisory role, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-based strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and offers a tiered wrap-fee structure rather than fixed fees.

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.