PATHWAYWM.COM - Key Persons

Carmen Williams

Job Titles:
  • Associate
  • Office Administrator
Carmen grew up in Kentucky with her parents, Will and Marilyn Muniz, along with her brother and sister. Later in life, she moved with her own family to the Tampa and Fort Myers areas of Florida. Carmen is an enthusiast of supporting all things local, from sports to hometown vendors... Read More

Cindy J. Carraway

Job Titles:
  • Associate
  • LPL Financial Advisor
Cindy was born in New Orleans, but her family moved to Lafayette, Louisiana when she was very young. The daughter of Dr. and Mrs. Donald James, Cindy and her 2 brothers grew up in the heart of Cajun country. She graduated with honors from the University of Louisiana, (USL at the time). Life's travels eventually landed her in Montgomery, AL. where she first got her feet wet in the investment industry. She worked in equity research in the Trust Investment division of a large bank and quickly moved up the ladder. She was responsible for compiling the approved list of equities for the monthly statewide meeting of trust investment officers and assisted in managing the bank's proprietary money market fund. Cindy relocated to the Mississippi Gulf Coast in 1994 and continued to expand her knowledge and experience in the financial industry joining a local investment advisory practice in 1994. She obtained her Series 24 General Securities Principal license which allowed her to focus on compliance and the overall supervision of the practice in addition to supervising 5 satellite branch offices. Cindy subsequently developed her own practice and enjoys helping clients in all aspects of their financial life. She also focuses on assisting clients on social security strategies appropriate for their situation. Cindy has completed numerous educational courses pertaining to her profession including Southern Trust School in Birmingham, AL. She is involved in the Mississippi Gulf Coast Chamber of Commerce, United Way, American Heart Association and other organizations which allow her the opportunity to give back to the community. Cindy holds the following registrations:

Stephen P. Byrne

Job Titles:
  • Associate
A lifetime resident of the Mississippi Gulf Coast, Stephen grew up in Pass Christian with his three brothers and one sister. The son of Dr. and Mrs. George Byrne, he attended local schools and graduated from Pass Christian High School in 1969.... Read More