Nautilus Private Wealth / Herman Private Wealth of Raymond James (operating through SEC-registered fiduciary Investment Adviser and broker-dealer Raymond James & Associates, Inc., CRD #705, SEC File #801-10418) is an established Fort Walton Beach retirement income, longevity planning, and private wealth advisory office located at 348 Miracle Strip Parkway SW (U.S. Highway 98), Building D, Suite 13, overlooking Santa Rosa Sound in Downtown Fort Walton Beach, Okaloosa County, Florida (ZIP 32548). Anchored locally by Vice President of Investments and Certified Financial Planner™ Kathy P. Cunningham, CFP® (CRD #2383475, advising Northwest Florida families since 1993) and Managing Director, Branch Manager, and Certified Wealth Strategist® Daniel David ("Danny") Herman, CWS® (CRD #2860588), the practice provides institutional-grade fiduciary guidance to retirees across Fort Walton Beach, Mary Esther, Shalimar, Cinco Bayou, Okaloosa Island, and Niceville.

Situated halfway between Hurlburt Field (Headquarters of Air Force Special Operations Command — AFSOC) to the west and Eglin Air Force Base (96th Test Wing) to the northeast, the Fort Walton Beach branch has spent more than three decades counseling retiring military officers, special operations personnel, defense aerospace engineers, and Okaloosa County School District (FRS) educators. Vice President Kathy P. Cunningham, CFP® and Branch Manager Danny Herman, CWS® utilize Raymond James Goal Planning & Monitoring (GPM) Monte Carlo stress-testing to coordinate DFAS military retired pay, Survivor Benefit Plan (SBP) survivorship elections, Thrift Savings Plan (TSP) and Florida Retirement System (FRS) DROP lump-sum rollovers, and sequence-of-returns risk protection.

The team places special emphasis on retirement tax and healthcare cost control for Okaloosa County seniors—structuring multi-year Roth conversions and Required Minimum Distribution (RMD) schedules to prevent avoidable Medicare Part B and Part D IRMAA surcharges for TRICARE For Life and Medicare beneficiaries supported by NWFLAAA (PSA 1) SHINE counseling (1-866-531-8011). In addition, advisors help Santa Rosa Sound and Choctawhatchee Bay homeowners budget for coastal windstorm/flood reserves, evaluate hybrid long-term care insurance, and coordinate homestead and trust documentation with the Okaloosa County Property Appraiser (Mack Busbee, CFA — 1250 N Eglin Pkwy, Ste 201, Shalimar, FL 32579) for Florida's $50,000 Homestead Exemption, Save Our Homes (3%) portability, the Additional $50,000 Senior Exemption (65+ at ~$37,694 AGI), and F.S. 196.081 / 196.082 disabled veteran property tax exemptions.