BayView Private Wealth (offering fiduciary investment advisory services through SEC-registered Investment Adviser RFG Advisory, LLC, CRD #158401, SEC File #801-72821) is an independent CFP®-, CPWA®-, and AEP®-led private wealth management, estate strategy, and retirement income firm located at 1234 Airport Road, Suite 121, in the heart of Destin, Okaloosa County, Florida (ZIP 32541, just west of Destin Executive Airport and minutes from Destin Harbor and the Marler Bridge). Anchored by President and Wealth Advisor Mark Scott Dutram, CFP®, CPWA®, AEP® (CRD #2416021, advising families since 1993) and Wealth Advisor Jonathan Samuel Slater, CFP® (CRD #6172735), the practice delivers fiduciary financial planning, tax-efficient portfolio management, and behavioral wealth coaching for retirees across Destin (32541), Fort Walton Beach, Shalimar, and Niceville.

President Mark Dutram holds three premier designations specifically suited to high-net-worth retirees and multi-generational families: Certified Financial Planner™ (CFP®), Certified Private Wealth Advisor® (CPWA® from the Investments & Wealth Institute), and Accredited Estate Planner® (AEP® from the National Association of Estate Planners & Councils). Working alongside Jonathan Slater, CFP® and Wealth Advisor Gabriel Cook, the team specializes in transitioning complex retirement balance sheets—including military and federal civil-service pensions from Eglin Air Force Base, Hurlburt Field (AFSOC), and the 96th Test Wing, as well as private-sector 401(k)s and closely held business exits—into durable, tax-optimized retirement income streams.

BayView Private Wealth integrates multi-year Roth conversion analysis, Required Minimum Distribution (RMD) sequencing, and Qualified Charitable Distributions (QCDs) to keep clients below punitive Medicare Part B and Part D IRMAA surcharge thresholds while coordinating TRICARE For Life and NWFLAAA (PSA 1) SHINE Medicare counseling (1-866-531-8011). In addition, the firm's AEP® estate planning discipline helps Okaloosa County seniors align revocable trusts, Lady Bird deeds, coastal hurricane/flood insurance deductibles, and Okaloosa County Property Appraiser (Mack Busbee, CFA — Shalimar & Crestview offices) filings for the $50,000 Homestead Exemption, Save Our Homes (3%) assessment cap portability, the 65+ Additional $50,000 Senior Homestead Exemption (~$37,694 2026 household AGI threshold), and F.S. 196.081 / 196.082 disabled veteran property tax exemptions.