Mark Dutram is a financial advisor with RFG Advisory, LLC in Destin, Florida, holding Series 63, 65, and 66 credentials and bringing 32 years of industry experience. He previously worked at LPL Financial for 16 years before joining RFG Advisory in 2019. Dutram serves as treasurer and board member of the Emerald Coast Estate Planning Council and is a trustee on the Destin Fire District Board of Pensions. He also participates in financial education through the FMT Financial Educators Network. RFG Advisory is a multi-team registered investment adviser with about 178 advisors managing roughly $8 billion for more than 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm combines actively managed and passive strategies, tax-aware approaches, and alternative investments, and serves a diverse client base with tailored portfolio and retirement plan services.

Autumn Mower is a financial advisor at RFG Advisory, LLC with five years of industry experience. She holds a Series 65 designation and has worked at Black Oak and Silver Oak Securities since 2021. In addition to her advisory roles, she is involved with Myriad Genetics, where she has been since 2013. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing about $8 billion for over 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts through a combination of actively managed and passive strategies, alternative investments, and comprehensive portfolio management services.

Nicholas Morgan is a financial advisor with RFG Advisory, LLC, holding a Series 66 designation and 10 years of industry experience. He has worked at RFG Advisory and its affiliate Black Oak Asset Management since 2026 and has prior experience with Silver Oak Securities and Christy Capital Management. Outside of his advisory role, Morgan serves as a pastor and associational mission strategist, and he holds leadership positions including chair of overseers at Ingleside Baptist Church and secretary/treasurer at the Forsyth-Monroe County Chamber of Commerce. RFG Advisory is a multi-team registered investment adviser managing approximately $8 billion for over 17,000 clients, offering portfolio management, financial planning, retirement plan consulting, and access to alternative investments. The firm utilizes a combination of actively managed and passive strategies with a focus on risk management and serves a diverse client base including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts.

Micheal Heckman is a CFP® professional with 17 years of experience in the financial services industry. He is currently with RFG Advisory, LLC since 2019 and has prior experience at Ameriprise Financial Services and Edward Jones. Outside of his advisory role, he serves as a chief instructor and curriculum designer at West Shore Combat Arts, a martial arts and fitness school. RFG Advisory is a multi-team registered investment adviser serving over 17,000 clients with roughly $8 billion in assets under management. The firm offers a range of portfolio management and financial planning services, employing a mix of actively managed and passive strategies with a focus on risk management and customized solutions for individuals, institutions, and retirement plans.

Patrick Wingfield is a financial advisor with RFG Advisory, LLC, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Synovus Trust Company, Synovus bank, and Pinnacle Bank. Outside of finance, he has worked with Mamaka Bowls and Camp Ozark. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a combination of actively managed and passive investment strategies, direct indexing, and tax-aware approaches, and it serves a diverse client base with a range of portfolio management and consulting services.

Nathan Reynolds is a financial advisor at RFG Advisory, LLC with 10 years of industry experience. He holds the Series 66 designation and has worked with firms including Waddell & Reed Inc and Billings Group, Inc. Reynolds also serves as a board member and treasurer of Billings Group S Corp. RFG Advisory is a multi-team registered investment adviser with approximately 179 advisors managing around $8 billion for more than 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts using a combination of active and passive investment strategies, alternative investments, and retirement plan consulting.

Jared Keeley is a CFP® and Series 65-licensed financial advisor at RFG Advisory, LLC with three years of industry experience. He has worked at several firms, including Millennium Advisory Services, Inc., Bouchard & Associates/Commonwealth Financial Network, and Cary Street Partners. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts using a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches.

Eric Larson is a financial advisor with RFG Advisory, LLC, holding Series 63 and Series 65 licenses and has five years of industry experience. He previously worked at Invesco and Oppenheimer Funds. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches, and serves a diverse client base with portfolio management, financial planning, and retirement plan consulting services.

Amanda Skinner is a CFP® professional currently with RFG Advisory, LLC, where she has been an advisor since 2025. She has two years of industry experience and previously worked at multiple firms including Northwestern Mutual Investment Management. Outside of financial advising, she is a brand representative for Rodan + Fields, a multi-level marketing company specializing in skincare products. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts using a combination of actively managed and passive strategies, direct indexing, and alternative investments.

Nicholas Savas is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at RFG Advisory, LLC. His prior experience includes roles at Equitable Advisors and Axa Advisors, Llc. RFG Advisory is a multi-team registered investment adviser managing approximately $8 billion across more than 17,000 clients. The firm serves individuals, high-net-worth households, trusts, retirement plans, and institutional accounts, employing a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches.

Heidi Bird is a financial advisor with RFG Advisory, LLC, holding Series 63 and Series 66 registrations and bringing 24 years of industry experience. She has previously worked at Thrivent Financial for Lutherans and Independent Financial Group. Outside of her advisory role, she volunteers as a coach for Girls on the Run, a nonprofit organization that trains young girls for 5K runs. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches, and serves a diverse client base with portfolio management, financial planning, and alternative investment options.

Joshua Szyman is a CFP® professional with 11 years of industry experience, currently serving at RFG Advisory, LLC. He has a background spanning roles at Independent Financial Group and Cambium Wealth, among others. In addition to his advisory work, he is involved in estate planning and legal services through Cambium Law Group and tax practice management via Cambium Tax Planners, LLC. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches, providing portfolio management, financial planning, retirement consulting, and access to alternative investments.

Azaz Mehmood is a financial advisor at RFG Advisory, LLC with three years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and The Clinical Exchange. RFG Advisory is a multi-team registered investment adviser managing approximately $8 billion for more than 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a combination of actively managed and passive strategies, direct indexing, and tax-aware approaches, and offers access to alternative investments and proprietary model strategies.

Susan Auer is a CFP® with 12 years of industry experience, currently serving as a financial advisor at RFG Advisory, LLC. Her prior roles include positions at Accelerated Wealth Advisors LLC, T. Rowe Price Investment Services, and USAA Financial Planning Services. She is also active as an insurance agent through Triad Partners. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients. The firm offers a range of services including portfolio management, financial planning, and retirement plan consulting, utilizing a mix of actively managed and passive strategies, tax-aware approaches, and alternative investments.

Dylan Wathen is a financial advisor with RFG Advisory, LLC in St. George, UT. He holds a Series 65 designation and has two years of industry experience. His prior work includes roles at LendingClub and B.O.S.S. Retirement Solutions. RFG Advisory is a multi-team registered investment adviser with approximately 179 advisors managing around $8 billion for more than 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, retirement plan consulting, access to third-party and proprietary model strategies, alternative investments, and annuity management, typically managing assets on a discretionary basis through a mix of actively managed and passive models, direct indexing, and tax-aware strategies.

David Evans is a CFP® and ChFC® with nine years of industry experience. He currently works at RFG Advisory, LLC, having previously spent a decade with Northwestern Mutual in various wealth management and insurance roles. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for more than 17,000 clients. The firm offers portfolio management, financial planning, retirement plan consulting, and access to proprietary and third-party investment strategies, serving individuals, high-net-worth households, trusts, retirement plans, and institutional accounts.

Loran Coffman is a financial advisor with RFG Advisory, LLC, holding Series 63, Series 65, and Series 66 designations and bringing 34 years of industry experience. He has previously worked at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services, LLC. Coffman is also the owner and founder of Route Financial Group, a registered investment advisory business. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for more than 17,000 clients. The firm offers portfolio management, financial planning, retirement plan consulting, and access to both proprietary and third-party investment strategies, typically managing assets on a discretionary basis using a combination of active and passive models with a focus on risk management.

Robert Brown is a financial advisor with RFG Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at Merrill for 38 years and Bank of America for 10 years. Outside of his advisory role, he is co-owner of a children's clothing business with his wife. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for over 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive ETF/mutual fund models, direct indexing, and tax-aware strategies, and it serves a range of clients including investment companies, municipalities, and those seeking alternative investments and annuity management.

Matthew Johnson is a CFP® professional with 11 years of industry experience, currently serving at RFG Advisory, LLC. His prior roles include positions at LPL Financial LLC, Capital One Sharebuilder, Inc., and Capital One Investment Services, LLC. Johnson also maintains business entities used for tax and investment purposes. RFG Advisory is a multi-team registered investment adviser with approximately 178 advisors managing around $8 billion for more than 17,000 clients. The firm offers portfolio management, financial planning, retirement plan consulting, and access to a range of investment strategies, including actively managed and passive models, direct indexing, and alternative investments.

Kacy Seitz is a CFP® professional with 12 years of experience in the financial services industry. She currently serves at RFG Advisory, LLC and previously worked for Northwestern Mutual Investment Management and Northwestern Mutual Life Insurance Company for over a decade. RFG Advisory is a multi-team registered investment adviser managing approximately $8 billion for more than 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm offers a range of services such as portfolio management, financial planning, and access to alternative investments, employing a combination of actively managed and passive strategies with a focus on risk management.