Michael Jones is a CFP® professional with 11 years of industry experience, currently serving at PNC Wealth Management. His prior roles include positions at Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Outside of his advisory work, he operates Michael Jones Tutoring Services, a tutoring business unrelated to investment activities. PNC Wealth Management offers retail brokerage and advisory services focused on model-based investment programs, including an invitation-only digital discretionary offering for employees that uses algorithm-driven risk assessment and managed model portfolios.

Herman Gunter IV is a CFP®-credentialed financial advisor with 25 years of industry experience, currently with Independent Financial Partners. He has previously worked at LPL Financial and IFP Securities. He serves on the board of the Pregnancy Care Center, a nonprofit providing medical and counseling services to women in North Florida, and is involved with the Suwannee County Republican Executive Committee as a precinct and state committeeman. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a decentralized network of independent advisors. The firm serves individual, charitable, corporate, and high-net-worth clients nationwide and offers a notable retirement-plan advisory and pension consulting capability.

Jerrett Kandzer is a financial advisor with Guardian Life and holds a Series 66 designation. He has one year of industry experience and has worked with Guardian Life and Park Avenue Securities since 2026. Outside of his advisory role, he is vice president of the BNI Gateway Florida Chapter and a 49% owner of MK Designs Co of Florida LLC, a marketing business specializing in logos, websites, and social media management. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a subsidiary of The Guardian Life Insurance Company of America that provides brokerage and advisory services to individuals, businesses, and organizations. The firm offers a range of investment management solutions, including discretionary and model-based strategies, and provides access to insurance products and alternative investments through its connection with Guardian Life.

Herman Gunter III is a financial advisor at Independent Financial Partners with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior work includes roles at IFP Securities, LLC and LPL Financial. Outside of his advisory work, he volunteers as a presiding elder conducting weekly worship services at Covenant First Presbyterian Church in Live Oak, FL. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm provides a decentralized advisory model with formal retirement-plan and pension consulting capabilities, serving a broad range of individual, charitable, corporate, and high-net-worth clients.

Seth Wilkins is a CFP® professional with six years of industry experience, currently serving at Edward Jones since 2019. Prior to joining Edward Jones, he worked at Symbotic LLC for two years and served in the United States Marine Corps for eight years. He is a board member of the City of Live Oak Firefighters' Pension Trust and coaches the middle school track team at Suwannee Middle School. Edward Jones is a full-service wealth management firm serving individual and institutional clients nationwide, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and supports its services through a large network of financial advisors and branch offices.

Tammy Hall is a financial advisor with Raymond James Financial, holding PFS™ and Series 63 credentials and possessing 27 years of industry experience. She has been with Raymond James Financial since 2000 and previously worked at First Federal Financial Services Corporation from 1998 to 2005. Outside of her advisory role, she serves as Treasurer of a homeowners association and acts as Durable Power of Attorney for family members. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and supports a broad network of advisors and affiliated firms.

Charles Cowen Jr. is a financial advisor at Raymond James Financial with 14 years of industry experience. He holds a Series 66 designation and has been with Raymond James Financial Services since 2012. Outside of his advisory work, Cowen is a partner at an accounting firm and serves on the boards of several nonprofit organizations, including the United Way of Suwannee Valley and the University of Florida Christian Campus House. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers tailored non-discretionary planning and consulting, supported by analytical modeling and a range of advisory programs.

Taylor Siemon is a financial advisor with Primerica Advisors in McAlpin, FL, holding Series 63 and Series 65 licenses and 18 years of industry experience. His career includes roles at Paradise Real Estate International and PFS Investments Inc. Siemon also receives compensation for referrals of home security, automation products, and other home-related services through Primerica-affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-based investment strategies managed by third-party asset managers. The firm supports a large network of advisors and focuses on discretionary portfolio management for individual investors rather than institutional clients.

Angela Oglesby is a Series 66-licensed financial advisor with Raymond James Financial in Lake City, FL, with six years of industry experience. She has been associated with various branches of Raymond James since 1999. Outside of her financial advisory role, she owns a jewelry business called Dream A Little Gem. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, and institutions. The firm delivers tailored, non-discretionary advice using advanced analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Lauren Beadles is a financial advisor with Raymond James Financial Services Inc. in Lake City, FL, holding a Series 66 designation and five years of industry experience. She previously worked at Campus USA Credit Union for three years. In addition to her advisory role, Beadles serves as co-treasurer for the Eastside Elementary School PTO. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting, utilizing analytical tools and risk profiling to support client goals.

Thomas Abercrombie is a financial advisor at Edward Jones with four years of industry experience. Prior to joining Edward Jones, he was involved with Stepping Stones and the Suwannee County School District. Outside of advising, he is a co-owner of Stepping Stones Preschool, a daycare facility in Live Oak, FL. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Erin Spiwak is a financial advisor with Raymond James Financial possessing a Series 65 credential and 13 years of industry experience. She has worked at Avantax Planning Partners, Inc. for 14 years and maintains a role as a shareholder and accountant at James Moore & Co., P.C., a regional CPA firm providing tax, consulting, and valuation services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs non-discretionary planning and investment consulting tailored to client goals, utilizing analytical tools like risk profiling and probability modeling, and supports advisory programs along with specialized municipal and retirement plan consulting services.

Katie Sessions is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. She has worked at Raymond James Financial Services, Inc. since 2016 and is currently associated with Moses Wealth Advisors, LLC. In addition to her advisory role, she is compensated by the CPA firm Odom Moses & Company for her services to the Raymond James branch. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm uses fact-finding, risk profiling, and analytical tools to tailor non-discretionary planning and investment consulting to client goals.

Alisa Epperson is a financial advisor with Edward Jones in Lake City, FL, holding a Series 66 designation and seven years of industry experience. She worked at Columbia Bank for ten years before joining Edward Jones in 2018. Outside of her advisory work, Alisa serves as a board member for the Pregnancy Care Center in Lake City, participating in monthly meetings and organizational decisions. 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, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Clarence Brown is a financial advisor at Raymond James Financial in Lake City, FL, holding CFP® and Series 66 designations with 20 years of industry experience. He has served as a board member of the First Presbyterian Church since 2016 and is involved in several trustee roles managing family trusts. He is also a partner at Odom Moses & Company, LLP, an accounting firm. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, institutional, and nonprofit clients. The firm offers tailored advisory services through a broad network, including municipal and public-finance work, and employs analytical tools to support client goal-based planning.

Christy Milligan is a financial advisor at Raymond James Financial with five years of industry experience. She holds the Series 66 designation and has worked at Raymond James Financial Services Advisors, Inc. since 2022 and Raymond James Financial Services, Inc. since 2018. Milligan was previously self-employed for 11 years and has a role affiliated with an LLC through which financial services are provided. Raymond James Financial Services Advisors, Inc. delivers financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by risk profiling and advanced analytical tools and offers various advisory programs alongside its institutional consulting and portfolio management services.

Ciera Butts is a financial advisor at Edward Jones in Live Oak, FL, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, she operated a bakery business called Cookies by Ciera, specializing in holiday and seasonal cookie sales. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

Stephanie Baker Estrella is a financial advisor at Edward Jones with 24 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christopher Henry is a CFP® professional with 23 years of industry experience, all of which have been with Edward Jones since 2003. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a partner in a real estate LLC based in Live Oak, Florida. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with approximately $1.01 trillion in assets under management and a network of over 23,700 financial advisors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard.

Philip Moses Jr. is a financial advisor at Raymond James Financial with 29 years of industry experience. He holds a Series 66 designation and has been affiliated with Raymond James since 1997, also operating Moses Wealth Advisors and Low Angle Group LLC. Outside of his advisory work, Moses serves as president of the finance council at Epiphany Catholic Church and is vice chairman of the board of directors for First Federal Bank. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, and institutions. The firm employs tailored, non-discretionary consulting supported by risk profiling and analytical tools, and it maintains unique capabilities such as municipal advisory services and a SIMPLE IRA Employer Advisory program.