Our Story

Back in 2008, HCB Financial Corporation began purchasing portfolios of delinquent bank loans and properties from the FDIC. HCB Advisory Group was established in 2012, as the “inhouse brokerage” assigned to market these diverse assets. With persistence and attention to details leading the way, HCB Advisory Group was able to successfully market over $30,000,000 worth of properties.

In 2017, the owners decided to expand their real estate operation into more general real estate opportunities. They knew that in this earlier work, they had established a “process” that should always lead to a desired result.

The owners launched Realty Advisors as this refined organization equipped to use our same process  of listen, collaborate and communicate, but now supported by the latest technology and forms of digital communication. 

Our Mission

Today we stand ready to launch into these extremely competitive times with our same values defined as premium credibility, proven methodology and responsive communication that extends beyond traditional marketing into the digital future. It is our hope to become your listing specialists and solutions experts, so our first question remains, “How Can We Help You?”. 

HCB Realty Advisors proudly supports Fair Housing and Equal Opportunity for all.

what we are trying to do here…


The company was built on the skillful negotiations and expertise of our founding agents:  Jimmy “The Coach” Sharpe and Ken “The Pilot” Spivey.  These two veterans have managed the sale and/or development of properties of over $111,500,000.

Image of Jimmy Sharpe

meet the coach

Jimmy Sharpe

Image of Ken Spivey

meet the pilot

Ken Spivey


meet new agent

Mary Washburn



What we offer here at HCB Realty Advisors is a proven process built on a preliminary assessment, followed by a strategy collaboration; and the execution of a plan propelled by open and direct communication.

◗◗◗   “I believe in three words. Trust. Loyalty. Respect. They were taught to me by Coach Sharpe. He is as trustworthy as any man I know. His loyalty knows no boundaries. He’s respectful to all people, but more he respects the process of going to work every day, taking care of his family and yours. Thank you.”

—BRUCE ARIANS, Head Coach of the Tampa Bay Buccaneers, NFL Coach of the Year 2018, Author of The Quarterback Whisperer


One of our primary goals is to keep you informed every step of the way.  We believe communication is essential for a successful partnership.  As we engage with our clients, we purposefully explore and exercise best practices for communication and marketing, using the latest technology and resources.

Ken Spivey, the Pilot

Ability +  Preparation + Integrity +  Relationship = Service

This is more than just a string of buzz words. Service is at the core of Ken Spivey’s life. His family and friends will attest to his desire to serve others. Throughout is professional life as an Air Force instructor pilot, as a pastor, as a small business owner, as a hospice chaplain, and as a realtor; the desire to meet the needs of others has been Ken’s motivation! A phrase in the snack bar at his first Air Force squadron has shaped his life through the years—“If you see something that needs doing, DO IT!”

Without ability and preparation, though, service accomplishes little. Likewise, accomplishments without integrity may be quite costly! All these are key components of great real estate service; and they come down to having a close relationship with his clients. Ken recognizes that every transaction is a business deal; but behind every deal are real people, each looking for financial benefit! His goal is to help each side experience victory, whether buying or selling a “starter home”, or engaging in a multi-million dollar venture!

Every client is a unique individual, with unique real estate goals/needs. Ken wants each client to realize they are valued first and foremost as an individual. He treats every client with equal value, and brings the best of his ability and preparation to every transaction. Always with integrity as the foundation, he takes time to get to know his clients’ goals, building a relationship that allows him to serve every individual with excellence!

About Jimmy Sharpe—The Coach

After playing football for the University of Alabama and graduating, Jimmy’s first job was as an assistant coach for Coach Paul Bryant at the University of Alabama. He was there 16 years as a player and assistant coach. During the time Alabama won 4 National Championships and 8 SEC championships. He was instrumental to the beginning of the “Wishbone Offense”.

He left Alabama to become the Head Coach at Virginia Tech. Following some good years and some tnot so good years in Blacksburg, Jimmy moved on to several other coaching stops. Mississippi State, Pittsburg, Memphis State and finally to the USFL, Memphis Showboats.

In 1989, Jimmy and his lovely wife, Anne moved to Destin, Florida and began to look for an opportunity, for the next career. Through former relationships and local networking, the Coach became involved with several local real estate developers. He found his experience and skill set fit in quite well with these new opportunities. He discovered that whether in the past or in the present, he was building something tangible, putting people together, and working together to achieve a goal.

In 1992, Coach Sharpe obtained his Florida real estate Broker’s license and officially started his second career. Along the way, he has worked for or collaborated with…
  • JAS Realty, Broker
  • Kelly Plantation, original sales director
  • Emerald Bay, original sales director
  • Emerald Lakes, developer, 253 single family homes
  • Bella Vita, developer, luxury condo, Blue Mountain Beach, non-rental
  • Emerald Lakes Commercial, developer

Then in 2012, Rupert Phillips invited Jimmy Sharpe to. join his HCB Advisory Group team to give some much needed special attention to overseeing and growing the real estate company. He currently serves as a broker for three divisions of Phillips Capital Partners—HCB Advisory Group, HCB Realty Advisors, and Halifax Homes Realty.

Meet Mary Washburn

Selling Specialist
Listing Specialist

Born and raised on the coast I have a strong background in Real Estate. Starting my career in 2002  I have sold Residential property and also have a strong background in commercial and investment property.   My passion for Real Estate and making sure my clients end up with the best result are what I strive for.  I pride myself on not just being a real estate agent but being a realty advisor.  Whether it is buying or listing your home on our beautiful panhandle I promise to give my clients 100 percent of my time and concern.