Kline Densmore Wealth Management (offering fiduciary investment advisory services through SEC-registered Investment Adviser Wells Fargo Advisors Financial Network, LLC, CRD #11025, SEC File #801-57434) is an independent private wealth and retirement income advisory practice located at 92 Eglin Parkway NE in Fort Walton Beach, Okaloosa County, Florida (ZIP 32548, along the primary Eglin Parkway corridor between Downtown Fort Walton Beach and Cinco Bayou). Founded and led by Managing Partners and Senior Financial Advisors William ("Bill") Kline (CRD #4440025, advising Gulf Coast families since 2001) and David Riley Densmore (CRD #5904438, advising since 2011), the firm combines the personalized objectivity of an independent Okaloosa County fiduciary practice with the institutional research, custody, and trust capabilities of Wells Fargo Advisors Financial Network (WFAFN).

Serving retirees and pre-retirees across Fort Walton Beach, Shalimar, Mary Esther, Niceville, and Destin, Kline Densmore Wealth Management specializes in the financial transitions that define Okaloosa County retirement: retiring military officers and senior NCOs from Eglin Air Force Base, Hurlburt Field (Air Force Special Operations Command — AFSOC), and the 7th Special Forces Group (Airborne); federal civil-service engineers and defense contractors from the 96th Test Wing; and educators and public employees retiring under the Florida Retirement System (FRS) Pension and DROP programs. Managing Partners Bill Kline and David Densmore construct customized retirement income portfolios engineered to weather market volatility, coordinate DFAS military retired pay and Survivor Benefit Plan (SBP) elections, and consolidate Thrift Savings Plan (TSP), 401(k), and 403(b) accounts.

To protect long-term purchasing power for Emerald Coast seniors, the practice models Required Minimum Distribution (RMD) schedules, multi-year Roth conversions, and tax-aware withdrawal sequencing designed to minimize Medicare Part B and Part D IRMAA surcharges alongside TRICARE For Life and NWFLAAA (PSA 1) SHINE Medicare counseling (1-866-531-8011). Advisors also collaborate with clients' CPAs and estate attorneys to budget for Choctawhatchee Bay and Santa Rosa Sound windstorm/flood insurance reserves and align household Adjusted Gross Income and residence titling with Okaloosa County Property Appraiser (Mack Busbee, CFA — 1250 N Eglin Pkwy, Ste 201, Shalimar, FL 32579) filings for the $50,000 Homestead Exemption, Save Our Homes (3%) assessment cap portability, the 65+ Additional $50,000 Senior Exemption (~$37,694 2026 household AGI threshold), and F.S. 196.081 / 196.082 disabled veteran property tax exemptions.