Ross Hardy is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and previously worked at SagePoint Financial for 11 years before joining OSAIC in 2023. Outside of advising, Hardy is involved in life insurance sales through Horizon Financial and owns a personal LLC for tax purposes. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and manages accounts with discretionary or non-discretionary authority, providing access to multiple investment options and third-party platforms.

Melissa Ballard is a financial advisor at OSAIC with 10 years of industry experience. She holds a Series 66 designation and previously worked at Sagepoint Financial, Inc. for seven years. Outside of her advisory role, she owns a sole proprietorship creating and designing newspaper layouts, brochures, logos, and holiday cards. OSAIC serves a diverse client base, including individual investors, institutions, and charitable organizations, offering brokerage and advisory services through a large network of advisers. The firm employs a range of portfolio construction tools and provides access to multiple investment platforms and third-party managers.

Daron Ray Jr. is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and 16 years of industry experience. He has worked previously at PFS Investments Inc., PNC Investments, and Primerica Financial Services. Outside of advisory services, he is involved in sales of loan products through Primerica Mortgage, LLC, as well as home security and automation product referrals with Primerica Client Services, Inc. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of portfolio management options, utilizing firm-provided asset-allocation tools and third-party platforms.

James Hardy Jr. is a financial advisor with OSAIC in Daphne, Alabama, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years before joining OSAIC in 2023. Outside of his advisory role, Hardy is involved in independent insurance sales through his ownership of Horizon Financial and serves on the stewardship committee of East Pointe Baptist Church, helping oversee the church’s finances. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, financial planning, and access to multiple advisory platforms and third-party money managers.