Turner Financial Group, Inc. (an independent, SEC-registered fiduciary Investment Adviser, CRD #134204, SEC File #801-129021) is Santa Rosa County's flagship homegrown Registered Investment Adviser, headquartered at 4366 5th Avenue in Pace, Florida (ZIP 32571) just off U.S. Highway 90. Originally established in Pace in April 2005 by founder Benny M. Turner—who developed the firm's signature Precision Income by Design™ and Prudent Retirement Optimization Process frameworks—the practice is led today by Chief Executive Officer & Chief Investment Officer Andrew Tang (Individual CRD #3157581), Chief Operating Officer Scott Allen Klaassen (Individual CRD #3098168), Director of Financial Planning John Joseph Kostic Jr., CFP® (Individual CRD #2062399), and Principal Advisor Gary Forrest Thomas, CFP® (Individual CRD #1411067).

Operating under a strict SEC fiduciary standard with zero proprietary brokerage product quotas, Turner Financial Group, Inc. engineers comprehensive retirement paycheck portfolios, discretionary asset management, and tax-optimized distribution plans for older adults and families across Pace, Pea Ridge, Wallace, Floridatown, Milton, and Bagdad. Because of its central U.S. Highway 90 location between Pace and the county seat of Milton, the firm's CFP® planning team regularly counsels retiring naval aviation instructors, civil service employees, and defense contractors from Naval Air Station (NAS) Whiting Field on coordinating Federal Employees Retirement System (FERS) pensions, Thrift Savings Plan (TSP) rollovers, and military Survivor Benefit Plan (SBP) elections, as well as guiding retiring educators and public employees from Santa Rosa County District Schools and Santa Rosa County Government through Florida Retirement System (FRS) Pension versus Investment Plan elections and tax-deferred Deferred Retirement Option Program (DROP) lump-sum rollovers.

To protect Northwest Florida retirees from lifetime tax erosion and Medicare surcharge cliffs, John Kostic Jr., CFP®, Andrew Tang, and Scott Klaassen design multi-year Roth conversion ladders, SECURE 2.0 Act Required Minimum Distribution (RMD) withdrawal sequences (ages 73–75), and Qualified Charitable Distributions (QCDs for clients aged 70½+) calibrated to keep Modified Adjusted Gross Income below two-year lookback Medicare Part B and Part D IRMAA brackets—complementing free Northwest Florida Area Agency on Aging (PSA 1) SHINE Medicare counseling (1-800-963-5337). The firm also models dedicated long-term care reserves for assisted living and memory care along the Berryhill Road / Santa Rosa Medical Center corridor, while helping Pace and Milton homeowners align household AGI and combat-related disability documentation with Santa Rosa County Property Appraiser Greg Brown II, CFA (6495 Caroline St, Milton, FL 32570) for the $50,000 Homestead Exemption, 3% Save Our Homes portability, Age 65+ Senior Homestead Exemption, and disabled veteran property tax exemptions.