Board of Directors

Rupert (Burt) J. Snooks


Mr. Snooks is a 1955 graduate of West Virginia University with a BS in Chemistry and an MBA he earned from The University of West Florida in 1987. After two years active duty as an instructor in chemical and biological warfare at the Army Chemical Corps School, he began a 36 year career in research and development with Chemstrand/Monsanto in Pensacola. Since retiring in 1993 as a manager of Nylon Technology, he has volunteered as a math tutor at the Gulf Breeze Middle School, served on various City and School Advisory Boards and is actively involved with The Florida State Guardian Ad Litem Program (GAL). He and his family have been residents of the community since 1959.

Gary Michaels

Vice Chairman

Gary Michaels has been a resident of Gulf Breeze for over 15 years and has been active in the local community since arriving. After receiving his undergraduate degree in accounting and marketing from Adams State College and his MBA from Nova University, Michaels spent 20 years in the healthcare industry. As the Vice-President of Operations for the second largest health system in Florida, he was responsible for the acquisition and running of 30+ nursing and assisted living facilities.

Since 2007, he has worked full-time in real estate with Levin-Rinke Resort Realty serving as Operations Manager from 2007-2010. Currently, he is specializing in business development, bank sales and executive relocation.

As a volunteer, Michaels has served on the Leadership Council of Covenant Hospice and currently serves on the board of directors of the Children’s Home Society of Northwest Florida/serving as president of the board from 2011-2013. He also Co-Chaired the 50th Anniversary Gala for our City. He is member of Gulf Breeze United Methodist Church, he serves as the church Treasurer and a Stephen Minister.

Robert F. Cleveland


Mr. Cleveland has lived in Gulf Breeze, FL since 1971. Since graduating from the Florida State University in 1975, he has been in the hospitality industry. In 1982, he helped organize a hospitality management and development company under the name Highpointe Hotel Corporation, which has grown to 13 hotel properties under management or ownership. Mr. Cleveland serves as Senior Vice President of Operations for the company and actively oversees daily management of current properties and the development and construction of new projects.

Chris Kemp

Assistant Secretary

Mr. Kemp has been a resident of Gulf Breeze since 2002 and a resident of Northwest Florida since 1985. He earned his BS in Corporate Finance and a Master of Business Administration, both from the University of Alabama. Chris has spent his career working in corporate lending, 13 years as a partner in a commercial finance company. Recently he has worked for the investment and corporate lending division of one of the largest investment and trading companies in the US. He serves as a Senior Business Development Officer in charge of middle market equipment finance for the Southeastern US.

Chris is active in the Gulf Breeze community having served various functions at St. Ann Catholic Church including President of the Parish Council and as a member of the Parish Finance Council.

Harrison Wilder

Board Member

Mr. Wilder has been a resident of Gulf Breeze, FL since 1977, and is the former owner of the McDonald's restaurant franchise for the Santa Rosa County area. He operated 4 McDonald's restaurants in various parts of the county. He graduated from the University of Florida with a degree in journalism and obtained a masters degree in business administration from the University of Miami (FL). He has been active in civic organizations including the Rotary and Sertoma Clubs of Gulf Breeze, the board of the Ronald McDonald House and the advisory board for Gulf Breeze Hospital.

Deborah Roche

Board Member

Mrs. Roche has been a Gulf Breeze resident since 1983 and is the Founder of Lifeguard Air Ambulance & Lifeguard Ambulance Service. Previously Mrs. Roche served as Chief Administrative Officer & oversaw Corporate Resource and Operational Management Personnel, which included Human Resources, Finance, Safety & Risk, Public Relations, Communications and Marketing & Development for ten locations in six states across the South Eastern U.S. for both ground and air medical transportation operations of Lifeguard for 25 years. Having Retired from Lifeguard Ambulance Service in 2014, she continues as Owner/Operator of Lifeguard Emergency Medical Clinics and EMS services in Costa Rica, South America.

Mrs. Roche is an active volunteer for the City Gulf Breeze and Santa Rosa County Communities. Her volunteer commitments include service as Chairman of both the Board of Adjustments and the Board of Development & Review and as a board member of the Gulf Breeze Sports Association for the City of Gulf Breeze. She currently serves as the Project Director and Corp. Treasurer for the Santa Rosa County Crime Stoppers Organization, Mentoring Chair for the Florida Association of Crime Stoppers, Chair of the Plantation Hill Architectural Review Board and is an active Member of the Leadership Santa Rosa County Program.

Beverly Zimmern

Board Member

Beverly Zimmern has been a resident of Gulf Breeze since 1979. She began her duties on the Gulf Breeze City Council in 1999 and in 2009, Beverly Zimmern became the first female Mayor serving five years in that capacity.

During her tenure as Mayor, Zimmern served on the Florida League of Cities Transportation and Water Legislative committees. Additionally, she served on the Florida League of Cities Municipal Insurance Board of Trust. Locally, Mayor Zimmern served on the TPO and the Fairpoint Regional Utility Boards. Prior to her elective service, Beverly served on numerous school and city boards, including CTA.

As a graduate of Pensacola Jr. College and The University of West Florida with her degree in Community Health & Health Education, she worked in the health care arena as a nurse and site manager for clinical drug trials at Live Oak Medical.

She is married to Dr. Bill Zimmern. They have two sons, Benjamin and Joshua.

Beverly cherishes her newest title, Grandmother

Tom Naile

Board Member



Ed Gray, III

Executive Director

Ed Gray, III has lived in Florida since 1963. He graduated with a degree in Business Administration from the Florida State University in 1974. Immediately after college he began a career in commercial banking, first as a bank examiner and later years as a commercial banking officer. Commercial lending, retail lending, mortgage banking, trust administration, facility planning, branch administration, and mergers were all responsibilities he assumed while a senior officer of large banking organizations. His last tenure in banking included serving as the regional president for the area offices of a large commercial bank.

In January of 2002, Mr. Gray was asked to begin full time administration of the Capital Trust Agency. Prior to assuming those duties full time, he had been contracted by the agency to provide consultation and administration on an as needed basis.

His civic responsibilities have included serving as mayor of Gulf Breeze, FL. During his years as mayor, the city sponsored programs to provide public purpose financings throughout the state of Florida. These programs began in 1985 and continue today by providing a low cost source of governmental capital. He has also served two terms on the Santa Rosa District School Board, including two rotations as chair. He remains active as a board member of the education foundation and actively supports Take Stock in Children. He also has served over 30 years on various boards and committees of Baptist Healthcare Corporation, the largest private employer in the area and the largest locally owned healthcare system. He chairs the Finance Committee, is treasurer of the corporate board, and serves on the Governance Committee.

In June of 2014, Ed completed 35 years as a Rotarian. In 2011, the 14 area Rotary Clubs of the surrounding Pensacola community bestowed Ed with the prestigious Ethics in Business Award, one of only two given annually in recognition of the recipient demonstrating integrity in his or her professional life and giving of service to the community.

His years in both the public and private sectors enable him to suggest ways to bridge the gap of financings that qualify for tax exempt debt issuance, but may also necessitate conventional sources of other funding. Ed has no stereotypical structure for financings he reviews.

Denis A. McKinnon, III

Senior Analyst and Compliance Officer

Denis McKinnon has lived in the Pensacola area for since 1995. He graduated from the Florida Sate University in 2016 with a Finance Degree. While at FSU, Mr. McKinnon was an active member of the campus community serving in various capacities for school organizations. After college, he began working for the Capital Trust Agency as a financial analyst. Mr. McKinnon graduated from the University of West Florida in 2018 with a Masters of Business Administration. 

Mr. McKinnon and his wife have taken an active role at their church where they volunteer as the Student Coordinators for middle and high school students in Pensacola. Additionally, Mr. McKinnon teaches Sunday School at their church each Sunday.