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.

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.

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.

Frank Firestone is a financial advisor at Primerica Advisors with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Primerica since 1998. In addition to his advisory role, he serves as a director of General Stone Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven strategies created by unaffiliated asset managers and provides trade execution and custody through Pershing, managing approximately $15.5 billion in assets under management.

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.

Joseph Trocchio is a financial advisor with UBS Financial Services holding Series 63 and Series 65 designations and 28 years of industry experience. His prior roles include positions at Merrill from 2000 to 2021 and Bank of America from 2011 to 2021. Outside of his advisory work, he serves as a minister performing wedding ceremonies through the Universal Life Church Monastery Storehouse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Tosha Firestone is a Series 65 licensed financial advisor with Primerica Advisors, based in Niceville, FL, and has one year of industry experience. She has worked with PFS Investments Inc. since 2025 and has a long history with Primerica Financial Services dating back to 1999. Outside of her advisory roles, she has extensive experience as a homemaker since 2012. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing, overseeing approximately $15.5 billion in assets under management.

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.

Jeffrey Dannelly is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 26 years of industry experience. He has worked with Cetera and its affiliated entities since 2022 and has also served with Hancock Bank and Hancock Investment Services since 2013. In addition to his advisory role, he works as a private banker for Hancock Whitney. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services supported by multiple program structures and affiliations.

Jonathan Tallman is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial for 12 years. He is also the owner of The Tallman Group, LLC, an insurance sales and service business he has operated since 2010. OSAIC serves a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of advisors and multiple platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may contain diverse investment types across discretionary and non-discretionary accounts.