Michael Jones is a CFP® professional with 11 years of experience in the financial services industry. He is currently with PNC Wealth Management and has prior experience at Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Outside of his advisory work, he operates a tutoring service called Michael Jones Tutoring Services. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and third-party strategists for portfolio management.

Herman Gunter IV is a CFP® professional with 24 years of experience in the financial services industry. He is affiliated with Independent Financial Partners and IFP Securities, LLC, and previously worked at LPL Financial. Outside of his advisory role, he serves as a board member for the Pregnancy Care Center, a nonprofit providing medical and counseling services to women in North Florida, and holds a position on the Suwannee County Republican Executive Committee. Independent Financial Partners is a nationwide network of independent Investment Adviser Representatives managing over $12.5 billion in assets. The firm offers a decentralized advisory model with a focus on retirement-plan advisory and pension consulting, serving individual, charitable, corporate, and high-net-worth clients.

Jerrett Kandzer is a financial advisor at Guardian Life with one year of industry experience. He holds a Series 66 designation and has worked with Guardian Life and Park Avenue Securities since 2025. Outside of his advisory role, Kandzer is vice president of the BNI Gateway FL Chapter, a networking group, and is a 49% owner of MK Designs Co of Florida LLC, a marketing business specializing in logos, websites, and digital media. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, charitable organizations, and corporate clients. The firm offers a range of advisory services, including financial planning and investment programs using proprietary and third-party models.

Herman Gunter III is a financial advisor with Independent Financial Partners who holds the ChFC® designation and Series 63 and 65 licenses. He has 40 years of industry experience, including roles at LPL Financial and IFP Securities. Outside of his advisory work, he operates a retail business specializing in collectible firearms and serves as a presiding elder and volunteer worship leader at Covenant First Presbyterian Church in Live Oak, Florida. Independent Financial Partners is a nationwide enterprise serving individual, charitable, corporate, and high-net-worth clients through a network of independent advisors. The firm offers a decentralized advisory model with a strong focus on retirement-plan advisory and pension consulting services.

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 in Lake City, FL, holding the PFS™ and Series 63 designations and possessing 27 years of industry experience. She has worked in various roles at Raymond James Financial Services, Inc. since 2000 and has been with Raymond James Financial since 2009. Outside of her advisory work, Hall serves as an officer and 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 individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools including risk profiling and probability modeling to support client goals, while maintaining specialized programs in municipal advisory services and SIMPLE IRA employer consulting.

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, holding Series 65 and Series 63 licenses and 18 years of industry experience. He has worked with PFS Investments Inc. since 2007 and Primerica Financial Services since 2004, with a brief tenure at Paradise Real Estate International. In addition to advisory services, he receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and provides advisory services through a nationwide network of financial advisors.

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 with Edward Jones in Live Oak, FL, holding a Series 66 designation and three years of industry experience. Before joining Edward Jones in 2022, he worked at Stepping Stones from 2018 to 2022 and spent twelve years with the Suwannee County School District. He is co-owner of Stepping Stones Preschool, a daycare facility, alongside his wife who manages daily operations. 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 supported by a large nationwide network of financial advisors and branch offices.

Erin Spiwak is a financial advisor with Raymond James Financial Services Advisors, Inc. and holds a Series 65 credential. She has 13 years of industry experience, including roles at Avantax Planning Partners, Inc. and James Moore Wealth Management Services, LLC. In addition to her advisory work, she is a shareholder and accountant at James Moore & Co., a regional CPA firm. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals and high-net-worth clients to corporations and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting using a variety of analytical tools and supports clients through its extensive advisor network and affiliated advisory firms.

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 22 years of industry experience. He has been with Edward Jones since 2003. Outside of his advisory role, he is a partner in a real estate LLC in Live Oak, Florida. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

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.