Edward Jones — Pace, Milton & Navarre Retirement Planning Network (operating under SEC-registered Investment Adviser and FINRA/SIPC firm Edward D. Jones & Co., L.P., CRD #250, SEC File #801-56384) provides neighborhood-level fiduciary retirement income engineering, pension rollover guidance, and tax-sensitive estate coordination across North and South Santa Rosa County. Anchored in Pace at 4581 Watkins Street, Pace, Florida (ZIP 32571, phone 850-995-0082) by Financial Advisor Derek R. Park, WMCP®, AAMS® (Individual CRD #6586640, holding both the Wealth Management Certified Professional® designation from The American College and the Accredited Asset Management Specialist™ credential), the network includes five additional Santa Rosa County community branches: • Pace — Summerdale Boulevard Branch: ShaRhonda Lashae Owens, AAMS® (Individual CRD #7469537, Accredited Asset Management Specialist™) at 4620 Summerdale Blvd, Pace, FL 32571 (850-995-3382) • Pace — Five Points / Chumuckla Highway Branch: Michael Joseph Utke, MS (Individual CRD #5400566, 850-994-5300) and U.S. Navy submarine force veteran Jacob Singleton, CEPA® (Certified Exit Planning Advisor®, 850-816-1274) at 4637 Chumuckla Hwy, Pace, FL 32571 • Milton — Berryhill Medical Corridor Branch: Michael Alexander Vazquez (Individual CRD #7221931) at 5982 Berryhill Rd, Ste B, Milton, FL 32570 (850-983-1471, directly opposite Santa Rosa Medical Center) • Navarre — Town Center & Soundside Branches: Paul Brian Stinebiser (Individual CRD #6632554 at 1905 Andorra St, Navarre, FL 32566, 850-936-0531) and Steven ('Steve') Pennington (Individual CRD #7113835 at 1778 Sea Lark Ln, Navarre, FL 32566, 850-396-4295).

Across Pace, Pea Ridge, Five Points, Milton, and Navarre, these credentialed WMCP®, AAMS®, and CEPA® advisors specialize in helping military and federal civilian retirees from NAS Whiting Field, Hurlburt Field, Eglin AFB, and NAS Pensacola transition Thrift Savings Plan (TSP) balances, Federal Employees Retirement System (FERS) pensions, and military Survivor Benefit Plan (SBP) elections into reliable monthly retirement paychecks. They also work closely with retiring teachers, deputies, and civil servants from Santa Rosa County District Schools, the Santa Rosa County Sheriff's Office, and Santa Rosa County Government on evaluating Florida Retirement System (FRS) Pension versus Investment Plan options and executing tax-deferred Deferred Retirement Option Program (DROP) lump-sum IRA rollovers.

To protect Santa Rosa County seniors from unnecessary federal taxes and Medicare premium surcharges, Derek Park, WMCP®, AAMS®, ShaRhonda Owens, AAMS®, and their colleagues sequence SECURE 2.0 Act Required Minimum Distributions (RMDs at ages 73–75), model multi-year Roth conversions, and execute Qualified Charitable Distributions (QCDs for clients aged 70½+) calibrated to keep Modified Adjusted Gross Income below two-year lookback Medicare Part B and Part D IRMAA brackets alongside Northwest Florida Area Agency on Aging (PSA 1) SHINE Medicare counseling (1-800-963-5337). Advisors also help local homeowners coordinate trust beneficiary designations, long-term care reserves near Santa Rosa Medical Center, and household AGI documentation for the Santa Rosa County Property Appraiser's $50,000 Homestead Exemption, 3% Save Our Homes portability, Age 65+ Additional $50,000 Senior Homestead Exemption, and disabled veteran property tax exemptions at 6495 Caroline Street in Milton and 5841 Gulf Breeze Parkway.