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Meet Our Team

Exemplary Results from Experienced Professionals

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Christopher “Fahz” Moulton


Fahz Moulton brings a strong sales background and business development experience to the title industry.  After many years of success, he now leads the team at Pensacola Title Company alongside his wife and business partner, Kelly Moulton.  Originally from Manhattan, he moved to Atlanta and became a successful Realtor with Harry Norman Realtors where he achieved Million Dollar Club status in his first year.  As an accredited relocation specialist, he assisted buyers navigating unfamiliar markets in tight time frames.  Twice he was named the top relocation producer in his company.  He also worked at both John Hancock and MassMutual insurance companies where he created life, disability, and long term care insurance plans for executives in the financial industry.  Fahz is a classically trained chef, an avid sailor, and has been a youth coach in both football and lacrosse for over 20 years. Currently he coaches lacrosse for the Knights of Five Flags in Pensacola.  Fahz and his wife Kelly have three children and feel very fortunate to live, work, and play in Pensacola. Fahz and Kelly are proud members of Christ Church in Downtown Pensacola, volunteer for Friends of Fiesta, and also are members of the Pensacola Yacht Club.


Kelly T. Moulton

Vice President

Kelly Moulton has developed double digit growth in the local title market during the past two and a half years and is a well-respected professional in the industry.  When she entered the title business, she brought 25 years of experience from the financial services industry.  As a financial consultant with Robinson Humphrey/Smith Barney in Atlanta, she built an individual book of business of over $120 Million in her first five years, and later created a team with two other women that catered to the needs of female executives.  Kelly leveraged her experience and contacts and took a risk to join a start-up boutique wealth management firm in Atlanta that specialized in multigenerational, ultra-high net worth clients.  She then joined a top team at JP Morgan Private Wealth as a partner, bringing in millions in new assets and maximizing team revenues while providing increased growth and profit for clients.  Originally from Atlanta, Kelly lived in Pensacola with her family as a child and is thrilled that she and Fahz were able to move “back” to Pensacola to raise their own children here.  Kelly serves on the board of Children’s Home Society of Florida and supports local youth lacrosse.  Anyone who knows Kelly knows that people are her passion and she has never met a stranger.

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Tracy Ratzin

Senior Escrow Officer

Originally from Pensacola, Tracy Ratzin is Pensacola Title Company’s Senior Escrow Officer and is a licensed title agent in both Florida and Alabama.  With over 35 years of experience in the industry, Tracy has built decades-long relationships with Realtors, builders, lenders, and mortgage companies throughout the region with her expertise and professionalism.  She is known not only for her larger-than-life personality, but also for being a valued resource to her clients.  Tracy is active in promoting the continuing education of area Realtors.  She is a co-founder of the Pensacola Association of Realtors Career Boost class which helps agents of all experience levels navigate the many facets of the real estate transaction.  In 2004 she co-founded the Perdido Area Blue Ribbon Marketing Meeting.  Modeled after the Pensacola Blue Ribbon meetings, it provides consistent networking opportunities to the realtors on the Westside and Perdido Key areas and expands the footprint in general for all agents. Tracy is always ready to help, and she loves her Blue Angels.

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Jessica Zink


Jessica Zink is a proud Pensacolian, and an experienced real estate professional. With over a decade of service in real estate, Jessica has experience market analysis, real estate operations, title closings, and escrow services. Jessica has two grown daughters, enjoys the beautiful beaches in Pensacola, and a good book. You can find her Saturdays in the Fall rooting for her favorite football team, the Florida State Seminoles, Go Noles!

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Edward P. Fleming


Edward “Ed” Fleming is a founding partner of McDonald Fleming. Ed's practice is focused on commercial litigation, government law and construction law. He was lead counsel in the case of Bush, et al vs Hillsborough Co., et al, successfully representing President-elect George W. Bush in a federal action challenging the rejection of thousands of votes from overseas and military personnel during the 2000 Presidential Election. He was named to Florida’s “Legal Elite” by Florida Trend magazine in 2011, an honor reserved for less than 2 percent of the attorneys in the state. He has obtained and collected pre-suit settlements and judicial awards totaling more than $30 million in the past five years alone, and has handled several high-profile cases in state and federal courts. In addition to practicing law, Ed enjoys tennis, boating, kayaking, mountain climbing, and motorcycle riding. He is active in his church, and political campaigns.


William A. Bond


William (“Bill”) A. Bond is a partner with McDonald Fleming, and has been with the firm since 2005. Bill is admitted to practice in Florida (since 2005) and Texas (since 1987). Bill has been engaged in the private practice of law and has served as in-house counsel at Mary Kay Inc. in Dallas, Texas. Bill's experience includes assisting individuals with their estate planning, business planning, and tax planning needs; representing clients in business transactions such as sales and purchases of businesses and financing transactions; commercial and probate litigation; and representing executors, administrators, guardians, trustees, and beneficiaries in trust and probate matters. Bill enjoys spending time with his wife and children. Bill especially enjoys backpacking and serving others at his church.

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Peggy Jones

Client Relations

Peggy Jones brings experience from a large manufacturing company, where she was in charge of coordinating regional and national sales, as well as marketing efforts.  During that time, Peggy managed a team of 17 sales representatives and oversaw the development and launch of 2 new product lines.  She formulated pricing and sales strategies nation-wide, created national training programs, and was the #1 producer for 10 years in a row.  Later, she opened her own business providing training seminars in the health and wellness sector.  She is a native of Pensacola and is active in the Pilot Club of Pensacola and Ronald McDonald House charities.

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Ellen Couture

Closing Assistant

Ellen Couture was a Navy brat who found a home in Pensacola and settled here with her husband.  She has an extensive background as both a paralegal and a real estate processor.  She manages the process with efficiency and precision, working together with buyers, sellers, agents, and lenders to coordinate all the necessary information for a smooth, timely closing.  Clients and agents alike appreciate Ellen for her experience and for her calm, organized demeanor.  She enjoys spending time with her grandchildren and pulling for her beloved Gators in college football.

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