Jeremy Cronin is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. His work history includes roles at Cetera Investment Services, Hancock Whitney Bank, Regions Bank, and Keller Williams. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that provides access to affiliated and third-party managers, with over 10,000 advisors and $256 billion in assets under management.

Wendy Kidd is a financial advisor with Merrill in Fort Walton Beach, FL. She holds a Series 66 designation and has 14 years of industry experience, having been with Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cynthia Lee is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and one year of industry experience. Her prior roles include work at Foundations Investment Advisors, Wilson Insurance & Financial, and media companies in Florida. She is also involved in managing operations and marketing for Wilson Insurance & Financial, where she assists with sales and policy development. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers a broad range of investment advisory services, financial planning, and retirement plan consulting supported by extensive research and analytics.

Paul Stinebiser is a Series 66-credentialed financial advisor with nine years of industry experience. He has worked at Edward Jones since 2016 and previously spent one year at New York Life Insurance. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices, offering a range of advisory programs and affiliated financial services under a fiduciary standard.

Mark Litton is a financial advisor with Cetera who holds Series 66 and Series 63 licenses and has eight years of industry experience. His prior roles include positions at NYLife Securities LLC and New York Life Insurance Company. He is based in Fort Walton Beach, Florida. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

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.

Joseph Serrato III is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Rachael Mcbride is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding a Series 63 designation and 23 years of industry experience. She worked at Morgan Stanley Smith Barney for nine years before joining Wells Fargo Advisors in 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including business-owner transition and special-needs analysis, using proprietary research and planning tools to develop tailored recommendations.

Joshua Little is a financial advisor with Wells Fargo Advisors in Destin, FL, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he had roles at Amazon and multiple periods working at Crab Trap. 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 planning menu tailored to clients meeting a net-worth threshold, delivering recommendations through meetings and written summaries, with implementation options through various brokerage or advisory programs.

Keith Offel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011 and also serves in the U.S. Air Force. Offel is the owner and president of Stonehaven Financial Group, a financial services business based in California. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent financial professionals, utilizing a variety of portfolio management and model-based solutions tailored to client objectives.

William Lamm is a financial advisor with Edward Jones in Niceville, FL, holding a Series 63 designation and 24 years of industry experience. He has been with Edward Jones since 2008. 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 through a nationwide network of more than 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Michael Brady is a financial advisor with Merrill based in Fort Walton Beach, FL, holding a Series 66 license and seven years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2019, following five years at Paya Services. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nancy Kline is a financial advisor with Wells Fargo Advisors in Fort Walton Beach, FL, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of advising, she owns and manages several entities related to real estate investment. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services using a broad planning menu and proprietary research tools. The firm offers tailored recommendations and integrates advisory services with other financial product sales and referral channels.

David Dowden is a financial advisor with Ameriprise in Niceville, FL, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and Wealth Management, LLP for 21 years. Outside of his advisory role, he manages a private family corporation used for insurance and consulting activities. Ameriprise offers retirement-income planning services focused on clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Matthew Ritter is a financial advisor at Edward Jones in Ft Walton Beach, FL, holding Series 63 and Series 66 credentials with 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and overlay tax-efficient services.

Jonathan Kagan is a financial advisor with Raymond James Financial who holds the CFP® designation and has 26 years of industry experience. He has served in various roles at Raymond James since 2004 and owns two support companies, Soundside Financial Services, Inc. and Soundside Wealth Advisors. Kagan is also a member of the Finance Committee for the YMCA of Northwest Florida. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients, offering tailored, non-discretionary advice supported by advanced analytical tools.

Frank Firestone is a financial advisor with Primerica Advisors in Niceville, FL, holding Series 63 and Series 65 licenses and with 27 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1998. Outside of his advisory role, he serves as director of General Stone Enterprises, Inc., a legal 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 discretionary 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 for its services.

Michelle Kowal is a financial advisor at UBS Financial Services with 28 years of industry experience. She has worked at UBS since 1999 and also maintains a role at Mertins Investment & Insurance Services since 1998. Kowal holds the Series 63 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Tosha Firestone is a financial advisor with Primerica Advisors, holding a Series 65 designation and beginning her advisory career in 2025. She has prior experience with PFS Investments Inc. and has been associated with Primerica Financial Services since 1999. Outside of her advisory work, she has been a homemaker since 2012. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program using model strategies developed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Paul Schmitz is a financial advisor at Ameriprise with 39 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Raymond James Financial Services and Wells Fargo Advisors Financial Network. Schmitz is also owner of The #1 Financial Solution Group, L.L.C., an advisory business he manages alongside his role at Ameriprise. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers these services through a centralized team and integrates advisory, brokerage, and insurance solutions typical of a large institutional firm.