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Financial Advisors in Panama City Beach, FL: 2026 rankings

22 financial advisors ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Panama City Beach: John Douglas Insurance & Financial Services, RFA Score 77/100; 5.0★ from 519 Google reviews.

  2. 2

    Most-reviewed: Tyndall Federal Credit Union, 923 Google reviews at 4.6★, the most of 22 ranked; ranked #2.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

22 Panama City Beach financial advisors are ranked here by RFA Score, from eight published factors. 3 open Saturdays, based on posted hours. The median Google rating is 5.0★ across 22 rated firms.

Top 10 financial advisors in Panama City Beach at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial advisors in Panama City Beach at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1John Douglas Insurance & Financial Services775.0★ (519)Panama City, 7 mi away—Top score
2Tyndall Federal Credit Union744.6★ (923)Panama City, 10 mi away—Most reviews
3Family One Source745.0★ (306)Callaway, 13 mi away——
4Homeowners Financial Group735.0★ (129)Panama City, 9 mi away——
5Edward Jones - Financial Advisor: Ethan Brown, CFP®|CRPS™695.0★ (10)Panama City Beach——
6United Community694.8★ (22)Panama City, 7 mi away——
7Gulf Financial Group694.3★ (11)Panama City BeachSat—
8Tyndall Federal Credit Union683.7★ (70)Panama City Beach——
9Edward Jones - Financial Advisor: Mike Calidonna, CFP®|CEPA®675.0★ (3)Panama City Beach——
10Edward Jones - Financial Advisor: Harry L Henning III675.0★ (9)Panama City, 9 mi away——

All 22 financial advisors in Panama City Beach, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  2. #2 Tyndall Federal Credit Union

    Based in Panama City, 10 mi away

    74/100RFA Score

    Ranked #2 because of its Google rating and specialty focus: 4.6★ from 923 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 923 Google reviews
    Hours
    Mon–Tue 9 AM–4:30 PM · Wed closed · Thu–Fri 9 AM–4:30 PM · Sat–Sun closed
    Address
    909 E 23rd St, Panama City, FL 32405
    View profile for Tyndall Federal Credit Union(850) 769-9999

  3. #3 Family One Source

    Based in Callaway, 13 mi away

    74/100RFA Score

    Ranked #3 because of its Google rating and specialty focus: 5.0★ from 306 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 306 Google reviews
    Hours
    Mon–Fri 10 AM–6 PM · Sat–Sun closed
    Address
    6128 E Hwy 98, Callaway, FL 32404
    View profile for Family One Source(850) 895-1024

  6. #6 United Community

    Based in Panama City, 7 mi away

    69/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 4.8★ from 22 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 22 Google reviews
    Hours
    Mon–Tue 8:30 AM–5 PM · Wed closed · Thu–Fri 8:30 AM–5 PM · Sat–Sun closed
    Address
    1805 W 23rd St, Panama City, FL 32405
    View profile for United Community(850) 347-2585

  7. #7 Gulf Financial Group

    Based in Panama City Beach

    69/100RFA Score

    Ranked #7 because of its Google rating and specialty focus: 4.3★ from 11 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 11 Google reviews
    Hours
    Mon–Sat 8 AM–6 PM · Sun closed
    Address
    7104 Laird St Ste 300, Panama City Beach, FL 32408
    View profile for Gulf Financial Group(833) 403-4041

  8. #8 Tyndall Federal Credit Union

    Based in Panama City Beach

    68/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 3.7★ from 70 Google reviews, listed on Google as “Financial planner”.

    • 3.7★ from 70 Google reviews
    Hours
    Mon–Tue 9 AM–4:30 PM · Wed closed · Thu–Fri 9 AM–4:30 PM · Sat–Sun closed
    Address
    11350 Panama City Beach Pkwy, Panama City Beach, FL 32407
    View profile for Tyndall Federal Credit Union(850) 769-9999

  9. #9 Edward Jones - Financial Advisor: Mike Calidonna, CFP®|CEPA®

    Based in Panama City Beach

    67/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 5.0★ from 3 Google reviews, listed on Google as “Financial consultant”.

    • 5.0★ from 3 Google reviews
    Hours
    Mon 8:30 AM–4 PM · Tue–Thu 8 AM–4 PM · Fri 8 AM–3:30 PM · Sat–Sun closed
    Address
    11060 Hutchison Blvd Ste 100, Panama City Beach, FL 32407
    View profile for Edward Jones - Financial Advisor: Mike Calidonna, CFP®|CEPA®(850) 233-2089

  11. #11 Benjamin F. Edwards

    Based in Panama City, 9 mi away

    66/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 7 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 7 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    2585 Huntcliff Ln, Panama City, FL 32405
    View profile for Benjamin F. Edwards(850) 769-7053

  15. #15 Tyndall Federal Credit Union

    Based in Panama City, 13 mi away

    66/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 3.9★ from 96 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 96 Google reviews
    Hours
    Mon–Tue 9 AM–5 PM · Wed closed · Thu–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    838 S Tyndall Pkwy, Panama City, FL 32404
    View profile for Tyndall Federal Credit Union(850) 769-9999

Also serving Panama City Beach

20 more financial advisors within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial advisors serving Panama City Beach
BusinessGoogle ratingDistance
Aspire Financial PartnersIn Panama City Beach
Burns Estate Planning and Wealth AdvisorsIn Panama City Beach
Cardinal Financial Company, Limited Partnership5.0★ (1)9 mi
Centennial Financial Services, Crowley Wealth - Ameriprise Financial Services, LLC7 mi
Edward Jones5.0★ (2)In Panama City Beach
Edward Jones - Financial Advisor: Matthew B Wyatt5.0★ (2)In Panama City Beach
Financial institutionIn Panama City Beach
First Command5.0★ (1)9 mi
First Command Financial Advisor - Bradlee Hilley, MS-PFP|CFP®5.0★ (2)9 mi
Gold Standard Investments7 mi
Graham Wealth Management5.0★ (1)7 mi
John Stevenson - Regions Financial Advisor2 mi
Level Four FinancialIn Panama City Beach
Linda Ayotte-Modern Woodmen of AmericaIn Panama City Beach
Merrill Lynch Wealth Management5.0★ (2)8 mi
Moss Wealth Management5.0★ (1)In Panama City Beach
Navy Marine Corps Relief Society1.0★ (1)In Panama City Beach
Northwestern Mutual7 mi
Sand Oak Financial Partners, LLCIn Panama City Beach
Wells Fargo Advisors3.0★ (2)In Panama City Beach

How we ranked Panama City Beach financial advisors

We scored 22 Panama City Beach financial advisors on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Panama City Beach data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial advisor

  1. Confirm the financial advisor and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial advisor

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial advisor?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial advisors in Panama City Beach: frequently asked questions

Which financial advisor has the highest RFA Score in Panama City Beach?

By RFA Score, the highest-ranked financial advisor in Panama City Beach, FL is John Douglas Insurance & Financial Services with an RFA Score of 77/100. It has 5.0★ from 519 Google reviews. Tyndall Federal Credit Union (#2) and Family One Source (#3) follow. We ranked 22 financial advisors on eight factors, last updated November 9, 2026.

How many financial advisors are there in Panama City Beach?

RankedFinancialAdvisors ranks 22 financial advisors serving Panama City Beach, FL. 4 of them are based in Panama City Beach; the rest serve it from nearby towns. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial advisors in Panama City Beach work on weekends?

3 of 22 ranked financial advisors post Saturday hours. The highest-ranked open Saturdays are Gulf Financial Group (#7), Cash Viewpoint Financial Coaching (#18) and Infinity Investments and Holdings, LLC (#22). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Panama City Beach financial advisors have?

The median Google rating among 22 rated financial advisors in Panama City Beach is 5.0★, with a median of 10 reviews. Tyndall Federal Credit Union has the most, 923 reviews, and ranks #2. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial advisors?

Each financial advisor gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial advisors outside Panama City Beach count in this ranking?

Yes, if they are within 25 mi of the Panama City Beach city center, our service radius for financial advisors. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial advisors pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial advisor do?

Financial advisors help clients plan and manage their money, from budgeting and saving to investing, retirement and estate questions. In the US they work as registered investment adviser representatives, as broker-dealer representatives, or both.

How are financial advisors in Panama City Beach ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial advice and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial advisor’s registration and record?

Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.

Is every financial advisor in Panama City Beach a fiduciary?

Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.

How much do financial advisors charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Panama City Beach

  1. November 2026: RFA Scores recalculated for 22 financial advisors serving Panama City Beach.

More financial advisors and Panama City Beach pages