Top college savings (529s, UTMA, etc.) financial advisors in Panama City, FL

The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.

Saving for college often starts when you want to make the most of tax-advantaged accounts like 529 plans or UTMA custodial accounts. Without careful planning, you might miss how federal tax rules and account ownership affect your savings and financial aid eligibility.

  • Account type impact. Understand how 529s and UTMA accounts differ in tax treatment and control, which can affect your child's financial aid.
  • Federal tax focus. Since Florida has no state income tax, ask how advisors optimize your college savings around federal taxes and other local taxes.
  • Withdrawal strategy. Confirm how they plan distributions to minimize taxes and maximize aid eligibility during college years.
  • Long-term flexibility. Check if they consider how unused funds can be repurposed or transferred without penalty.

Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.

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Joe K

Series 63, Series 65

Panama City, FL

LPL Financial

Joe King Jr. is a financial advisor with LPL Financial in Panama City, FL, holding Series 63 and Series 65 credentials and bringing 50 years of industry experience. His previous roles include positions at Ameriprise Financial Services, Raymond James & Associates, and Citigroup Global Markets. Outside of his advisory work, he is an author with several published books. 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 wide range of financial planning and investment services supported by extensive technology and a large network of advisors.

Wealth management Retirement income strategy College savings (529s, UTMA, etc.) Tax-loss harvesting Annuities Retired Founder/Business Owner Executive
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John F

Series 63, Series 66

Panama City, FL

Cetera

John Farrell is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 13 years of industry experience. His work history includes roles at Wells Fargo Clearing and Hancock Whitney Bank. He serves on the board of the Anchorage Children's Home, meeting monthly to support the charity. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive
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Malissa R

CFP®, Series 63

Panama City, FL

Benjamin F. Edwards & Company, Inc.

Malissa Romack is a CFP® professional with 29 years of industry experience. She has worked at Benjamin F. Edwards & Company, Inc. since 2011, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. She also serves as an attorney-in-fact and trustee for investment-related trusts in Panama City, Florida. Benjamin F. Edwards & Company is an integrated broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, retirement plans, and corporate clients through more than 500 advisors. The firm offers a range of services including advisory programs, financial planning, investment management, and brokerage services, combining proprietary strategies with third-party models.

Wealth management Passive / index investing Active portfolio management Tax-loss harvesting Executive Founder/Business Owner
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Bradlee H

CFP®, Series 66

Panama City, FL

First Command Advisory Services

Bradlee Hilley is a CFP® with 10 years of experience currently serving at First Command Advisory Services. His career includes roles at First Command Insurance Services Inc. and First Command Financial Planning, and he has served in the United States Army National Guard since 2013. Outside of his advisory work, he is a partner in a local coffee shop, Hilltrust Coffee, LLC, where he assists with business operations. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Passive / index investing Active portfolio management Retirement income strategy Tax-loss harvesting ESG / Sustainable investing Self-Employed Young Professionals
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Richard F

Series 63, Series 66

Lynn Haven, FL

Edward Jones

Richard Filippi is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and having 33 years of industry experience. He has been with Edward Jones since 1992. Outside of his advisory work, he leads and moderates discussions on current foreign policy topics for the Encore Life-long Learning program at Gulf Coast State College. 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 solutions, supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Wealth management Tax-loss harvesting Multi-generational wealth transfer Retired Founder/Business Owner Executive
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Hassan A

Series 63, Series 65

Rockville, MD

LPL Financial

Hassan Al Kadhimi is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at J.P. Morgan Securities LLC and JP Morgan Chase Bank, N.A. He is also involved with NIHFCU Wealth Advisors, a related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Wealth management Retirement income strategy College savings (529s, UTMA, etc.) Tax-loss harvesting Annuities Retired Founder/Business Owner Executive
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Richard B

Series 63, Series 66

Austin, TX

Charles Schwab

Richard Brandi is a financial advisor with Charles Schwab based in Austin, TX, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank ssb since 2003 and 2005, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance, leveraging multi-asset model portfolios and research from its Schwab Center for Financial Research.

Private / alternative investments Real estate investing Multi-state taxation College savings (529s, UTMA, etc.)
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Thaddeus P

CFP®, Series 63, Series 65

Grand Rapids, MI

Advance Wealth Management Service, LLC

Thaddeus Phelps is a CFP® professional with 28 years of experience in the financial services industry. He has worked at Advance Wealth Management Service, LLC since 2019 and previously spent 14 years with Ameriprise Financial Services, Inc. In addition to his advisory work, Phelps owns a tax preparation business and an accounting support service, and he serves in fiduciary roles such as trustee and executor. Advance Wealth Management Service, LLC provides investment advisory and financial planning services primarily to individuals, high-net-worth clients, trusts, estates, and business entities. The firm offers discretionary investment management through a wrap asset management program and emphasizes an individualized approach with asset allocation supported by fundamental, sector, and technical analysis, including risk management strategies such as put options and conservative cash instruments.

College savings (529s, UTMA, etc.) Charitable giving & philanthropy General estate planning guidance General tax planning Options & derivatives strategies
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Paul K

CFP®, Series 65

Zimmerman, MN

Longview Financial, Inc.

Paul Kinneberg is a CFP® and Series 65-registered advisor with 24 years of industry experience. He has been the principal and sole advisor at Longview Financial, Inc. since 2000 and also holds a long-term corporate role at CenturyLink. Longview Financial, Inc. provides personalized, fee-only financial planning and investment management primarily for individual clients. The firm uses a strategic asset allocation approach with a core-and-satellite framework, combining passive index and ETF core holdings with active funds when appropriate, and manages client assets on a non-discretionary basis with an emphasis on individualized advice.

General tax planning College savings (529s, UTMA, etc.) Cash flow / budgeting

Justin S

CFP®, ChFC®, Series 66

Prairie Village, KS

Edward Jones

Justin Scicluna is a financial advisor at Edward Jones in Prairie Village, KS, holding the CFP®, ChFC®, and Series 66 designations with 13 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a range of household types, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers various advisory programs, discretionary and non-discretionary strategies, and affiliated investment products through a nationwide network of over 23,700 financial advisors.

College savings (529s, UTMA, etc.) General estate planning guidance Multi-generational wealth transfer Retirement income strategy General retirement planning Retired Founder/Business Owner Executive

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