John Desselle

Amy Winchester is a CFP® professional with 19 years of industry experience, currently serving as the sole advisor at Winchester Capital Services, LLC. She has previously worked with LPL Financial LLC and Gulf Coast Bank & Trust Company. Outside of her advisory role, she organizes and presents Second Saturday Divorce Workshops in the New Orleans market area. Winchester Capital Services is an independent, single-advisor firm serving individuals, high-net-worth clients, and corporate entities. The firm provides portfolio management and financial planning using a blend of charting, fundamental, quantitative, and technical analysis, with most accounts managed on a non-discretionary basis and reviewed regularly.

William Crull IV is the sole advisor at Sage Capital Advisors, LLC in Metairie, LA, holding Series 63, 65, and 66 credentials with 35 years of industry experience. He has been with Sage Capital Advisors since 2011. Sage Capital Advisors, LLC provides fee-based investment advisory and financial planning services to individual and business clients, focusing on custom, non-discretionary portfolio management. The firm employs a tactical allocation strategy that incorporates fundamental, technical, and cyclical analysis, recommending a variety of instruments while requiring client approval before executing transactions.

Scott Schayot is the principal of Schayot Financial LLC in Metairie, LA, holding CFP® and Series 63 credentials with 31 years of industry experience. He previously worked at Raymond James Financial and Raymond James Financial Services, Inc. for over 20 years. He is also a member of Scott E Schayot LLC, an operating company unrelated to investment advisory services. Schayot Financial LLC provides discretionary asset management and financial planning services to individuals, families, high-net-worth clients, business entities, pension and profit-sharing plans, trusts, and estates. The firm employs a blend of fundamental and technical analysis, managing portfolios with both long-term and short-term strategies tailored to client risk tolerance, and offers hourly billing for financial planning alongside asset-based fees.

My wife, Rachael Johns, J.D., and I founded Equilibrium Financial Planning to help New Orleans retirees and pre-retirees with $1 million or more pay less in taxes, know how much they can safely spend, and optimize their investments for lasting retirement confidence. We understand this stage of life brings unique opportunities and complex challenges, which is why we serve as your personal Chief Financial Officer (CFO) so that you can realize your vision for retirement. As a fee-only fiduciary, we are bound to the highest duty of care, are never paid a commission, and have a legal obligation to provide unbiased and trustworthy financial advice. We prioritize integrity and transparency as we help you achieve your financial goals. At Equilibrium, our mission is simple: to help you retire with confidence by balancing what you spend, what you save, and what you keep after taxes. On the personal side, I used to play rugby for Jesuit High School and then while at LSU from 2005-2010. I now enjoy coaching youth sports for our 10 year old twins, Adam and Zoey, and playing chess with our 12 year old, Connor. I relish playing video games, particularly those made by Blizzard, and my ideal Saturday night is a sushi dinner and gaming session. I have collected and played Magic the Gathering intermittently since being introduced to the game by my dad in 1995, and the flavor text on the card Equilibrium (7th Edition) served as inspiration for our firm's name. My wife, Rachael, and I value family time immensely and spend most weekends with our kids playing pickleball and board games, dancing to The Beatles, or popping popcorn for Friday movie nights.

Joey Agular is the principal of Agular Asset Management LLC in Metairie, LA, holding a Series 65 designation with 33 years of industry experience. His career includes 30 years at Johnson Rice & Company L.L.C. and concurrent roles at TASC Performance and SEER Technology, Inc. He also serves as a director of two private startups outside of his advisory work. Agular Asset Management provides discretionary asset and portfolio management to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a diverse investment approach combining fundamental, technical, and cyclical analysis, offering strategies from long-term holdings to active trading and derivative exposures, with a particular focus on serving both individual and corporate clients.

Brett Terrell is the sole advisor at Terrell Financial Group in Metairie, LA, holding a Series 65 credential with 17 years of industry experience. He has managed Terrell Financial Group since 2008 and is also an owner and agent at Asset Protection Specialties, LLC, where he spends approximately 25% of his time selling insurance products. Terrell Financial Group is a fee-based registered investment adviser serving individual clients, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm provides discretionary portfolio management and comprehensive financial planning, using an individualized investment process that incorporates fundamental, technical, and cyclical analysis, and offers client access to third-party money managers with ongoing oversight.