Since starting in the early 80’s David has represented many small businesses and corporations.
While gaining those years of experience, he owned an independent tax practice in Saint Louis,
MO. In November 2014, he relocated to the Emerald Coast, in the Destin area. He has been
an active member of the Destin and Greater Fort Walton Beach Chambers of Commerce for
the past three years.
David has prepared more than 100,000 individual, payroll, sales, use, corporation, partnership,
and fiduciary tax returns. He has also helped countless small businesses stay abreast of the
many changes to the current tax laws. He specializes in small business corporations, LLC’S,
independent contractors, and the self-employed.
His many years of experience in tax law makes him unique and highly qualified to help you or
your business.
Krueger, Fosdyck & Associates have been serving the needs of
High Net Worth Families and Business Owners in the greater Destin
community for over 20 years. KFA is a team of seven individuals that
leverage the strength of the World’s leading wealth management
institution but delivers those resources with the intimacy and agility
of a family owned business. KFA differentiates itself by its years
of experience and level of expertise and industry certifications.
However, the team members are most proud of the opportunity
and responsibility to help clients secure their financial future. The
combined resources of Bank of America, US Trust and Merrill Lynch
provide KFA clients with a single, convenient, consolidated ecosystem
to deliver world class financial solutions.
A lifelong native of the Destin
area, Melanie Schweitzer
has seen the area transform
into the place it is today,
attracting the world for the
fishing, beaches, dining,
and shopping. As owner of
LuxExchange, Inc., Melanie
wanted to bring a little luxury
to Destin. LuxExchange buys,
sells, and trades authentic
Louis Vuitton, Chanel, Gucci,
and other exclusive designer
handbags. In addition, they
offer pre-owned jewelry
such as David Yurman and
Tiffany & Co., plus sunglasses
and wallets. Having started out with a full consignment shop, Melanie
quickly realized she had much more interest in the handbags coming in
than the clothes. Shorts and flip-flops are her standard work attire but
she notes, “As long as your handbag and sunglasses are fabulous, your
outfit is complete.”
With handbags, it doesn’t matter what size you wear, they are always
the right fit. The only way to get AUTHENTIC Louis Vuitton and Chanel
discounted, is to purchase it pre-owned. Most luxury designers retire
their styles after about a year or two so ladies search for the bag they
missed out on and are more than happy to purchase it pre-owned and
for a discount.
www.davidmrutherfordtax.com
127 Harbor Blvd. STE. 3A, Destin, FL
850.460.2995
Krueger, Fosdyck & Associates
DAVID M. RUTHERFORD
Melanie Schweizer
Progress Bank’s
presence in Northwest
Florida continues to
grow, with Dewayne
Youngblood serving
as market president of
both the Destin location
and the newly opened
offi ce in Inlet Beach at
30Avenue. For nearly
20 years, Youngblood
has held numerous roles
and leadership positions
within business,
community, commercial
and industrial banking
in the area. “At Progress
Bank, our competitive
advantage is our ability
to deliver products and services to our customers in a more effi cient
manner by making local decisions quickly,” he says. A native of
DeFuniak Springs, Youngblood is a graduate of Troy State University
and is active in local philanthropic and service organizations.
Lorena has been in the Mortgage
Lending and Banking Profession for
over 30 years. She originally came to
the Panhandle when her father was
stationed at Eglin Air Force Base in
1966.
Lorena has extensive experience
in VA, FHA, USDA, Conventional,
Jumbo Loans, Construction Perm
Loans and Condominium Financing.
Over the last 30 years she has
been active in the Emerald Coast
Association of Realtors, Builders
Industry Association, Women’s
Council of Realtors, Multiple
Chambers of Commerce in which she
was Chairman of the Niceville Valparaiso Board in 2011 and was an
Honorary Commander at Hurlburt Field.
Her pride and joy is her grandson Hayden. She loves spoiling him
throughout the year as they both have a huge love of sports, especially
football.
Lorena is dedicated to providing excellent customer service to her
clients and referral partners. She is available 7 days a week via her cell
phone or email.
Since starting in the early 80’s David has represented many small businesses and
corporations. While gaining those years of experience he owned an independent tax
practice in Saint Louis. MO. In November 2014 he relocated to the Emerald Coast
in the Destin area. He has been an active member of the Destin and Greater Fort
Walton Beach Chambers of Commerce for the past 2years.
David has prepared more than 100,000 individual, payroll, sales, use, corporation,
partnership, and fi duciary tax returns. He has also helped countless small businesses
stay abreast of the many changes to the current tax laws. He specializes in small
business corporations, LLC’S, independent contractors, and the self-employed. His
many years of experience in tax law makes him unique and highly qualifi ed to help
you or your business.
David M. Rutherford, Income Tax Specialist
David M. Rutherford,
Income Tax Specialist
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Lorena Spillar,
Loan Originator
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March 2018 | 33
Progress Bank
Dewayne Youngblood,
Market President
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All loans subject to credit approval. Rates and fees subject to change. Mortgage fi nancing provided by
PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2017 PrimeLending, a PlainsCapital
Company. PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-
chartered bank and is an exempt lender in FL. v021216.
XX-XX DestinProfiles March18.indd 2
2/26/18 2:45 PM
4495 Furling Lane, STE. 150
(Located in City Market Bayside), Destin, FL
www.myluxexchange.com | 850.424.7772
34990 Emerald Coast Parkway, 4th Floor, Destin, FL
Cory J. Fosdyck, CFP®, CIMA®,
CPWA®
R. Timothy Krueger
March 2019 | 47
46-47 LuxuryFinancial_Profiles.indd 2
2/27/19 8:57 AM