Tommie Goggans is the sole advisor at Goggans Group Inc, an independent firm based in Gadsden, Alabama. He holds Series 63 and Series 65 licenses and has 21 years of industry experience, including 13 years with Goggans Group Inc. Goggans Group Inc is a fee-only investment adviser serving individual and small business clients with discretionary portfolio management and integrated financial planning. The firm emphasizes asset allocation and primarily uses exchange-traded funds, supplemented by stocks and bonds, to manage portfolios on a discretionary basis while incorporating client preferences and market conditions.

Charles Johnson is a financial advisor at Longview Financial Advisors, Inc. in Glencoe, AL, holding a Series 65 designation with six years of industry experience. He has been with Longview Financial Advisors since 2010. Longview Financial Advisors provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm employs a research-driven, multi-asset class approach and offers discretionary and non-discretionary advisory services, pension consulting, and planning-only engagements.

John Day II is a financial advisor at Level Four Advisory Services with a Series 66 designation and one year of industry experience. Prior to joining Level Four Advisory Services and Level Four Financial in 2025, he held roles at Bain & Company, AssetVault, Extended Travel, EY-Parthenon, and the University of Virginia. Level Four Advisory Services is an enterprise investment adviser managing over $5 billion across more than 13,000 client relationships, serving a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers fee-only financial planning and asset management services, utilizing model portfolios and a combination of direct management and third-party sub-advisers.

Brandon White is a Financial Advisor with Merrill Lynch Wealth Management, a position he has held since April 2014. He specializes in investment management and wealth planning, focusing on developing strategies and advice tailored to the financial objectives of individuals, families, and businesses. His role involves understanding both short- and long-term financial goals to provide comprehensive financial guidance. Brandon has over 17 years of experience in the financial services industry, including previous roles at a regional bank and a privately owned wealth management firm. He holds a bachelor's degree in business from the University of Alabama at Birmingham and a master's degree in entrepreneurship from Western Carolina University. His professional credentials include the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation, and the Retirement Accredited Financial Advisor (RAFA) designation. Additionally, he has completed advanced training on cash balance retirement plans.

Brian Nelson is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at SagePoint Financial, MWA Financial Services, and Modern Woodmen of America. Outside of his advisory role, Nelson is a co-founder and board member of Mayhem Missions, a fitness-based nonprofit organization. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, employing a structured investment process that incorporates risk tolerance, asset allocation, and portfolio optimization tools.

Beverly Boatwright is a financial advisor at Merrill with 24 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch, Pierce, Fenner & Smith Inc. since 1988. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes a variety of Program Strategy types and manager-constructed strategies, supported by oversight from its CIO and platform governance, along with integration within the Bank of America affiliates.

Alicia Guyton is a financial advisor at Merrill with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 1987 and Bank of America since 2009. Outside of her advisory work, she is the owner of CJRplus LLC, a business organization in Glencoe, Alabama. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed accounts, third-party manager selection, discretionary portfolio management, and brokerage execution and custody services. The firm utilizes multiple program strategies with varying degrees of client or advisor discretion and emphasizes integration with Bank of America’s broader banking and capital markets platform.

Gregory Cole is a Senior Financial Advisor at Merrill Lynch Wealth Management. In this role, he focuses on helping clients pursue their long-term wealth management objectives by developing customized and disciplined financial strategies tailored to their specific needs. His expertise spans family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income planning. Gregory holds a Bachelor's degree from Auburn University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his team prioritize understanding clients beyond their financial situations to effectively navigate life’s uncertainties and market changes while supporting clients’ evolving financial goals. Outside of his professional work, Gregory is involved in his community as a youth sports coach. He enjoys spending time with his family, traveling, reading, and participating in football and soccer.

Katie Smith is a financial advisor with LPL Financial in Gadsden, Alabama, holding a Series 66 designation. She has been with LPL Financial since 2018 and previously worked at Coyote Logistics from 2014 to 2017. Outside of her advisory role, she is a part-time consultant for Mary Kay cosmetics. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Lynn Young is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 17 years of industry experience. She previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Raymond James in 2021. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supports wrap fee advisory programs, and delivers institutional consulting through its Institutional Fiduciary Solutions division.

Kandice Gupta is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been associated with Cetera Investment Advisers and its affiliated entities since 2013, and also leads K & K Financial Group. Outside of her advisory work, she teaches spin classes at Willmore Total Fitness and is involved in sales of vitamins and essential oils, as well as serving as a member of Southside Baptist Church. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing both advisor-managed and model portfolio solutions supported by affiliated entities and various custodial arrangements.

Andrew Smith is a financial advisor at Cetera with seven years of industry experience. He holds the Series 66 designation and previously worked with Avantax Advisory Services. Outside of his advisory work, he serves as treasurer for both the Kiwanis Club of Gadsden and The Episcopal Church of the Holy Comforter, where he manages financial reconciliations and reporting. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers portfolio management, financial planning, fiduciary solutions, and access to various third-party money managers, utilizing a range of advisor-managed and firm-sponsored investment programs.

Jason Copeland is a CFP® with 26 years of industry experience and is currently an advisor at Wells Fargo Advisors. He has worked with various Wells Fargo entities since 2009. Outside of his advisory role, he serves as a high school football official for the Alabama High School Athletic Association. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients able to choose whether and how to implement recommendations.

Troy Wagnon is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds a Series 63 designation and has worked with Wells Fargo entities since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce. The firm offers tailored recommendations using proprietary research and planning tools, with clients able to implement strategies through brokerage or advisory programs.

Carl Hart is a CFP® professional with 28 years of industry experience, currently affiliated with LPL Financial since 2023. His prior roles include positions at Cetera Advisor Networks LLC and Summit Financial Group Inc. He is also involved with The Money Coach Dba Money Matters, an ongoing business activity since 2014, and participates in Navigo, LLC, a non-investment-related entity. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house Research team and combines large-scale advisory operations with non-advisory product activities.

Baylor Millhoff is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Emblem Credit Union, LPL Financial, Alabama Teachers Credit Union, Auburn University, and Southside High School. Outside of his advisory role, he is also involved as an agent in insurance and benefits. Cambridge Investment Research Advisors serves individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing various account platforms and investment strategies.

Lana Watwood is a financial advisor at Merrill with 23 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2000 and also has experience at Bank of America, N.A. since 2019. Outside of her advisory work, she teaches an aerobics class and serves on the stewardship committee at her church. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage execution services, supported by a broad range of investment strategies and integration with Bank of America affiliates.

John Holt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior roles include positions at LPL Financial, Emblem Credit Union, and Alabama Teachers Credit Union. Outside of his advisory work, Holt serves as Vice President and board member of the Westbrook Youth Football Association in Gadsden, Alabama. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent Financial Professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services using multiple account platforms and both discretionary and non-discretionary investment approaches.

Clayton Simmons is a CFP® professional with 29 years of industry experience, currently with Wells Fargo Advisors since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He holds partial ownership in two investment-related businesses, Simmons & Starzl Wealth Management LLC and Baystreet Management LLC, both based in Gadsden, Alabama. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers tailored recommendations using proprietary research and planning tools, providing clients with discretionary implementation options across various brokerage and advisory programs.

Tana Norris is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked in various roles within Wells Fargo since 2009. Outside of her advisory work, she is involved in managing rental property in Panama City Beach, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Bobby Bright is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Lincoln Financial Securities Corporation and The Prudential Insurance Company of America. Outside of his advisory role, he owns Bright Consulting, an LLC established for tax purposes. OSAIC is a large investment advisory and broker-dealer firm serving a diverse range of clients, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a technology-driven investment process and offers various programs such as wealth management platforms, third-party money manager access, and retirement plan consulting.

Patrick Johnson is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 63 designation and has worked at LPL Financial since 2011. Johnson also has a role involving bank duties at The Exchange Bank of Alabama and dedicates part of his time to non-variable insurance with Osborn Insurance Group. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Shannon Lusk is a financial advisor with LPL Financial in Albertville, AL, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Prior to joining LPL Financial in 2022, Lusk worked at Infinex Investments, Inc. for nine years. Outside of advisory work, Lusk is a business owner of EZ Living RV Park in Crossville, AL. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a broad range of financial planning and investment management solutions supported by an in-house research team and a large network of investment adviser representatives.

Lucy Edwards is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at several firms including BBVA Securities Inc. and Compass Bank. Edwards also serves as a trustee in a trust based in Decatur, Alabama. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques and offers both direct and employer-sponsored financial planning services.

Jeffrey Little is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at Raymond James since 2021 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves in a political capacity with the City of Glencoe, Alabama. Raymond James & Associates offers financial planning and investment consulting through its Wealth Advisory Services Program, serving a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and investment recommendations, supporting both retail and institutional clients with specialized public finance and municipal services.

Christopher Reynolds is a CFP® professional with 23 years of experience in the financial services industry. He currently works at Wells Fargo Advisors and has held previous roles within Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is a 33% owner of Legacy Wealth Management LLC in Gadsden, AL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized niche planning, and employs proprietary research and tools to develop tailored recommendations for clients.

Jeffrey Little is a financial advisor with Raymond James & Associates in Gadsden, Alabama. He holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James in 2021, he worked at Hewlett Packard Enterprise and The University of Alabama. Raymond James & Associates provides financial planning and investment consulting to a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and institutional consulting services, with a notable presence in public finance and municipal work.

Donald Davis is a financial advisor with Edward Jones, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers diverse advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Starzl is a CFP®-certified financial advisor with 29 years of experience, currently with Wells Fargo Advisors since 2021. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Outside of his primary work, he co-owns Simmons & Starzl Wealth Management LLC and Baystreet Management LLC, and serves as co-trustee for a related 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning and investment services, utilizing proprietary research and tools to develop tailored recommendations, with optional implementation through its brokerage or advisory programs.

Todd Edmondson is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera and its affiliated entities since 2013. Edmondson serves on several community boards, including the Gadsden Housing Authority, the Big Oak Fire Department, the Salvation Army, and the Family Success Center. Cetera Investment Advisers serves a diverse client base, including individual, high-net-worth, institutional, and retirement-plan clients, through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing a combination of advisor-managed accounts, model portfolios, and third-party solutions.

Donna Akin is a financial advisor at Merrill with Series 63 and Series 66 designations and 30 years of industry experience. She has been with Merrill since 2008. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm is known for its integration with Bank of America affiliates and its emphasis on managed account and manager-selection capabilities.

Walter Duke Jr. is a financial advisor at Merrill with 46 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1979 and Bank of America since 2010. Outside of his advisory role, he serves on investment committees for Holy Comforter Church and School, is a family cemetery board member, sits on a local architectural review board, and is president of a recreational club in Ohatchee, Alabama. Merrill serves a broad range of clients—including individuals, retirement plans, corporations, and institutional clients—by offering managed account programs, discretionary portfolio management, brokerage execution, and custody services. The firm integrates investment management through multiple program strategies and benefits from close affiliation with Bank of America and its capital markets platform.

Thomas Smith is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Cetera. He has worked with Avantax Advisory Services and Avantax Insurance Services during his career. Outside of his advisory work, he has been involved with the Kiwanis Club as Secretary and Treasurer. Cetera Investment Advisers serves a diverse client base, including individual, high-net-worth, institutional, and retirement-plan clients, through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining advisor-managed accounts with firm-sponsored model portfolios and third-party solutions.

Jolanda Burkett is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Merrill since 2001. Outside of her advisory role, she serves as a fiduciary and administrator for family estates and holds power of attorney responsibilities. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by providing managed account programs, discretionary portfolio management, and brokerage services. The firm’s investment approach includes multiple program strategies and manager-constructed portfolios, supported by oversight from its CIO and integration with Bank of America affiliates.

Pamela Luthi is a financial advisor with OSAIC in Topeka, KS, holding Series 63 and Series 65 credentials and four years of industry experience. She is also the owner of Pam Luthi Insurance Solutions, LLC, which offers various insurance products including health insurance, fixed and indexed annuities, long-term care insurance, and traditional life insurance. Additionally, Pamela serves as Vice President of the Topeka Independent Business Association, a local small business organization. OSAIC is an SEC-registered investment adviser and FINRA-member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm employs a technology-driven investment process and offers a wide range of advisory and brokerage services through a large network of financial advisors.

Rovelyn Yates is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. She has worked at Merrill since 2018 and previously held positions at Wakefields Inc. and Raymond James Financial. Yates also has teaching experience at Jacksonville State University and Gadsden State Community College. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities.

John Barcomb is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and over 20 years of industry experience. He has been with Edward Jones since 2005. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a variety of investment strategies and affiliated services through a large nationwide network of advisors and branch offices.

Dylan Hooper is a Series 66-licensed financial advisor with Edward Jones, where he has worked since 2026. His prior experience includes roles at PricewaterhouseCoopers LLP and several business ventures such as Hooper Development LLC and Beyond Border Solutions LLC. He has also held academic positions at the University of South Carolina and the University of South Alabama. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tanner Kennedy is a financial advisor at OSAIC with a Series 66 designation and three years of industry experience. He has worked at Cetera and K&K Financial, where he is also involved in a financial professional role. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm uses a combination of risk-tolerance assessments, asset allocation software, and portfolio optimization tools to manage a wide range of investment products and offers access to multiple custodial platforms and third-party managers.

Michael Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the ChFC® designation and Series 66 license and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated capabilities, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors.

James Hedgspeth III is a Series 66-licensed financial advisor at Morgan Stanley with six years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Alabama Teachers Credit Union, LPL Financial, Wells Fargo Clearing, and First Federal Mortgage. He serves as Secretary and board member of the James M Barrie Child Advocacy Center, a nonprofit focused on child abuse advocacy in Gadsden, Alabama. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes supported by firm-approved tools and offers a broad range of retail and institutional investment solutions.

Brandon Ashley is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior roles include positions at Lincoln Financial Securities and Pruco Securities LLC, as well as the Prudential Insurance Company of America. Outside of his advisory work, he owns and operates American Wealth Management, which offers insurance products, including accident and health insurance and Medicare supplements. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a wide range of clients, including individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a comprehensive investment process that incorporates risk-tolerance assessments, asset allocation, and portfolio optimization, providing access to various investment products and third-party managers.

James Henderson is a Senior Resident Director at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2011 and joined Merrill Lynch in 2014. In his role, he works with individuals, families, and businesses to identify their short- and long-term financial goals, including retirement assets, education funding, and lending needs. He provides clients with access to Merrill's investment resources and the banking convenience of Bank of America to address various aspects of their financial lives. James focuses on a consultative, goals-based wealth management process. He takes time to understand each client's financial situation, preferences, and goals, then offers recommendations aligned with their income and growth objectives. His expertise includes investments, retirement, estate planning, insurance, lending solutions, and philanthropic services. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned both a Bachelor of Science in Finance and a Master of Business Administration from Auburn University. James and his wife, Laura, live in Gadsden, Alabama, with their children. They are members of MeadowBrook Baptist Church where James teaches Sunday School. He is involved in community activities, including volunteering with the United Way of Etowah County. His personal interests include camping, cooking, football, gardening, hiking, hunting, music, traveling, woodworking, and spending time with his family.