Dual-practice FINRA/SEC-registered retirement wealth management hub located 9 miles east of Bonifay in downtown Chipley (32428), serving retirees across Bonifay (32425), Esto (32425), Noma (32452), Ponce de Leon (32455), and Westville (32464). At 1282 Church Avenue, Chipley, FL 32428 (Advisor Direct (850) 730-8009 / Local Office (850) 676-4022), Strategic Wealth Specialists (an agency of The Guardian Life Insurance Company of America, NAIC #64246) operates a registered branch of dual-registered SEC investment adviser and FINRA/SIPC broker-dealer Park Avenue Securities LLC (Firm CRD #46173 / SEC File #801-56845), staffed by Investment Adviser Representative Gavin Andrew Taylor (Individual CRD #7456322, Series 7/SIE & Series 66, 0 disclosures) and registered representative Kristopher 'Kris' Graham (Individual CRD #8035966, 0 disclosures) in US-90 corridor partnership with Freddie E. Spears, ChFC®, CLTC®, LUTCF® (CRD #2040145, 36 years experience) and Sharon D. 'Dee Dee' Martin (CRD #3231554, 27 years experience, Strategic Solutions Financial Group, Sunbiz Doc# L21000438661). Three blocks west at 934 Main Street, Chipley, FL 32428 ((850) 638-0388, https://www.mysoutherngroup.com), Southern Financial Group—staffed by Financial Advisor Josh William Parrish (Individual CRD #7118500, SIE, Series 6 & Series 63, 0 disclosures) and veteran advisor Wayne White (historical Sunbiz Doc# L16000183539)—provides independent retirement planning under SEC-registered Southern Financial Group, LLC (Firm CRD #142644 / SEC File #801-67489), with securities offered through J.W. Cole Financial, Inc. (Firm CRD #124583 / SEC #8-65698) and fee-based advisory through J.W. Cole Advisors, Inc. (Firm CRD #112294 / SEC #801-60722). Together, these offices counsel Holmes County educators, FDOT District 3 and state correctional retirees, and agricultural families on FRS DROP lump-sum rollovers, ChFC®/CLTC®-certified long-term care asset protection, timberland sale wealth preservation, and Medicare IRMAA-aware RMD distributions.
Official Verification Sources: FINRA BrokerCheck — Gavin Andrew Taylor (CRD #7456322 — Park Avenue Securities LLC); FINRA BrokerCheck — Josh William Parrish (CRD #7118500 — J.W. Cole Financial / Southern Financial Group); Strategic Wealth Specialists & Southern Financial Group — Official Websites
Issuer: U.S. Securities and Exchange Commission (SEC), FINRA & Guardian Life (NAIC #64246)
Notes: Verified 2026-10-23: Gavin Andrew Taylor (Ind. CRD #7456322, Series 7/SIE & Series 66, 0 disclosures) and Kristopher Graham (Ind. CRD #8035966, 0 disclosures) operate at 1282 Church Ave, Chipley, FL 32428 ((850) 730-8009) under Park Avenue Securities LLC (Firm CRD #46173 / SEC #801-56845), alongside US-90 corridor partners Freddie E. Spears, ChFC®, CLTC®, LUTCF® (CRD #2040145) and Sharon D. Martin (CRD #3231554, Sunbiz #L21000438661).
Issuer: U.S. Securities and Exchange Commission (SEC) & FINRA
Notes: Verified 2026-10-23: Josh William Parrish (Ind. CRD #7118500, registered since June 2019, SIE, Series 6 & 63, 0 disclosures) and Wayne White (Sunbiz #L16000183539) operate at 934 Main St, Chipley, FL 32428 ((850) 638-0388, https://www.mysoutherngroup.com) under Southern Financial Group, LLC (CRD #142644 / SEC #801-67489) and J.W. Cole Financial, Inc. (CRD #124583).
Factual details and direct answers about Strategic Wealth Specialists — Gavin A. Taylor & Kristopher Graham (Park Avenue Securities LLC) & Southern Financial Group — Josh W. Parrish (J.W. Cole Financial — Bonifay / Chipley Corridor)'s services, licensing, and credentials.
How close are Strategic Wealth Specialists and Southern Financial Group to retirees in Bonifay and Holmes County?
Both practices are located just 9 miles east of Bonifay via US Highway 90 in downtown Chipley: Strategic Wealth Specialists (Park Avenue Securities LLC, CRD #46173 / SEC #801-56845, with advisors Gavin Taylor, CRD #7456322, and Kris Graham, CRD #8035966) is at 1282 Church Avenue ((850) 730-8009), and Southern Financial Group (CRD #142644 / J.W. Cole Financial CRD #124583, with advisor Josh Parrish, CRD #7118500, and Wayne White) is at 934 Main Street ((850) 638-0388).
Do these practices offer specialized credentials for Florida Retirement System (FRS) DROP rollovers and long-term care protection?
Yes. Through Strategic Wealth Specialists' US-90 corridor team—including Chartered Financial Consultant® and Certified in Long-Term Care® specialist Freddie E. Spears, ChFC®, CLTC®, LUTCF® (CRD #2040145) and Gavin Taylor (CRD #7456322)—alongside Southern Financial Group's retirement team, Holmes County seniors receive tailored FRS Pension Option 1 vs. Option 3 comparisons, tax-free DROP rollovers, and extended-care asset protection.
Connect with complementary legal, financial, and residential providers serving seniors in Chipley and Holmes County.
Law Offices of J.W. Batton, P.A. — James William 'Jim' Batton, Esq. (US-90 Corridor Probate, Estate Planning & Real Property Counsel Serving Holmes County)
Chipley, Holmes County
(850) 249-0783
Chipley Housing Authority, NWFRHA Section 8 & Washington County SHIP Program
Chipley, Washington County
(850) 638-0134
Washington Rehabilitation and Nursing Center (Chipley 180-Bed Skilled Nursing, Post-Acute Rehab & Memory Care)
Chipley, Washington County
(850) 638-4654
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Evaluating FRS DROP lump-sum rollovers, pension survivor options, and Social Security timing for Holmes County retirees.
Strategic Wealth Specialists — Gavin A. Taylor & Kristopher 'Kris' Graham (Park Avenue Securities LLC — Chipley Branch)
Chipley, Washington County
Southern Financial Group — Josh W. Parrish & Wayne White (J.W. Cole Financial, Inc. / Southern Financial Group, LLC — Chipley Office)
Chipley, Washington County
Capital City Bank — Chipley Branch & Capital City Trust / Strategic Wealth (Seth Jones, Trust Officer & Ben Welter, CPFA® — with One Florida Bank / Hancock Whitney Chipley)
Chipley, Washington County
Hare Taylor, LLC (G. Chuck Taylor, CPA) & Steverson & Associates, P.A. / Stephen B. Register, Jr., P.A., CPA — Chipley Certified Public Accountants & Retirement Tax Advisors
Chipley, Washington County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.