EPH Financial Advisors — Ameriprise Financial Services, LLC (operating under SEC-registered Investment Adviser and FINRA/SIPC broker-dealer Ameriprise Financial Services, LLC, CRD #6363, SEC File #801-28543) is a dedicated Tiger Point and Midway corridor retirement income, asset management, and estate coordination practice located at 3044 Gulf Breeze Parkway (U.S. Highway 98), Suite C, in Gulf Breeze, Santa Rosa County, Florida (ZIP 32563). Anchored by Financial Advisor Jeremy Keith Carver, AAMS® (Individual CRD #6326904, an Accredited Asset Management Specialist™ and Series 7/66 fiduciary Investment Adviser Representative)—and serving the 32563 Tiger Point/Midway corridor alongside nearby Wells Fargo Advisors branch advisor Jeffrey Jay Steichen, MBA (Individual CRD #4724540 at 3775 Gulf Breeze Pkwy, Gulf Breeze, FL 32563, phone 850-916-5285, registered under SEC RIA Wells Fargo Clearing Services, LLC, CRD #19616, SEC File #801-37967)—the office provides convenient, accessible fiduciary retirement planning along the central U.S. Highway 98 spine between Gulf Breeze Proper and Navarre.

Situated just west of the Santa Rosa County Property Appraiser's South End Annex (Greg Brown II, CFA — 5841 Gulf Breeze Pkwy, Gulf Breeze, FL 32563), EPH Financial Advisors serves retirees, military veterans, civil service employees, and educators across Tiger Point, Santa Rosa Shores, Oriole Beach, Whisper Bay, Woodlawn Beach, and Midway. Jeremy Carver, AAMS® helps retiring U.S. Navy, Air Force, and Coast Guard personnel as well as federal employees from nearby Pensacola NAS, Hurlburt Field, and NAS Whiting Field coordinate Thrift Savings Plan (TSP) lump-sum and installment rollovers, Federal Employees Retirement System (FERS) pensions, and Survivor Benefit Plan (SBP) elections. The practice also guides retiring teachers and administrators from Oriole Beach Elementary, Woodlawn Beach Middle, Gulf Breeze High, and Santa Rosa County Government through Florida Retirement System (FRS) Pension versus Investment Plan decisions and tax-deferred DROP lump-sum IRA rollovers.

Applying his Accredited Asset Management Specialist™ (AAMS®) training from the College for Financial Planning, Jeremy Carver structures tax-smart retirement income buckets, Social Security claiming strategies, SECURE 2.0 Act Required Minimum Distribution (RMD) schedules (ages 73–75), multi-year Roth conversions, and Qualified Charitable Distributions (QCDs for clients aged 70½+) designed to keep Modified Adjusted Gross Income below two-year lookback Medicare Part B and Part D IRMAA surcharge brackets alongside free Northwest Florida Area Agency on Aging (PSA 1) SHINE counseling (1-800-963-5337). Advisors also model dedicated healthcare and assisted living reserves (for nearby Gulf Breeze communities such as The Arbors of Gulf Breeze and The Beacon at Gulf Breeze) while helping Tiger Point and Midway homeowners align household AGI, trust titling, and veteran disability documentation right down the highway at 5841 Gulf Breeze Parkway for the $50,000 Homestead Exemption, 3% Save Our Homes portability, and Age 65+ Senior Homestead Exemption.