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  

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2/27/19   8:57 AM