Soundside Wealth Advisors (an independent private wealth management practice offering fiduciary investment advisory services through SEC-registered Investment Adviser Raymond James Financial Services Advisors, Inc., CRD #149018, SEC File #801-69815, and securities through Raymond James Financial Services, Inc., CRD #6694, Member FINRA/SIPC) is South Santa Rosa County's premier Certified Financial Planner™ (CFP®) wealth management firm, located at 7552 Navarre Parkway (U.S. Highway 98), Unit 35, in Navarre, Florida (ZIP 32566). Overlooking the Santa Rosa Sound corridor between Navarre Beach Causeway and Holley-by-the-Sea, the practice is led by Founder, President, and Registered Principal Jonathan ('Jon') Matthew Kagan, CFP®, CDFA™ (Individual CRD #4222234, who brings more than 25 years of financial planning experience and holds both the Certified Financial Planner™ and Certified Divorce Financial Analyst® designations) alongside Partner and Financial Advisor Collin Kagan, CFP® (a University of Central Florida finance graduate and Certified Financial Planner™ professional) and Office Manager Kelly Putnam.

Situated just west of Hurlburt Field (Headquarters Air Force Special Operations Command) and Eglin Air Force Base, Soundside Wealth Advisors specializes in serving retiring U.S. Air Force, Special Operations, U.S. Navy, and Department of Defense civil service families residing in Navarre, Holley-by-the-Sea, Hidden Creek, Navarre Beach, and Midway. Jon Kagan, CFP®, CDFA™ and Collin Kagan, CFP® guide military and federal households through the transition from active duty or GS/SES federal service into civilian retirement—coordinating Thrift Savings Plan (TSP) traditional and Roth rollovers, Federal Employees Retirement System (FERS) pension survivorship, Military Retirement Pay and VA Disability compensation tax treatment, and Survivor Benefit Plan (SBP) cost-benefit modeling. The team also assists retiring Santa Rosa County District Schools educators (at Navarre High, Holley-Navarre, and West Navarre schools) and county personnel with Florida Retirement System (FRS) Pension versus Investment Plan elections and tax-deferred DROP lump-sum rollovers.

To preserve retirement income across a 25- to 30-year horizon, the dual-CFP® team constructs tax-efficient municipal bond and dividend portfolios, sequences SECURE 2.0 Act Required Minimum Distributions (RMDs at ages 73–75), executes multi-year Roth conversions, and structures Qualified Charitable Distributions (QCDs) to keep Modified Adjusted Gross Income below punitive two-year lookback Medicare Part B and Part D IRMAA brackets (while coordinating TRICARE For Life and PSA 1 SHINE Medicare counseling at 1-800-963-5337). Additionally, Jon Kagan's CDFA™ training supports older adults navigating gray divorce or spousal death, while the team helps Navarre and Holley-by-the-Sea homeowners align residency, trust titling, and AGI filings with Santa Rosa County Property Appraiser Greg Brown II, CFA (South End Annex at 5841 Gulf Breeze Pkwy, Gulf Breeze & main office at 6495 Caroline St, Milton) for the $50,000 Homestead Exemption, 3% Save Our Homes portability, 65+ Senior Exemption, and 100% Permanent & Total Disabled Veteran property tax relief.