Carol Lee Royer is a CFP® and CFA® with 22 years of experience in financial advising. She has worked at Coastal Bridge Advisors since 2026 and previously spent 10 years with Waddell & Associates, LLC. Coastal Bridge Advisors provides financial planning, consulting, and discretionary and non-discretionary wealth management to individuals, family offices, trusts, estates, foundations, and qualified retirement plans. The firm employs a goal-based, fundamental analysis approach and offers diversified portfolio construction across various asset classes, utilizing scenario analysis and a range of specialized advisory services.

Jeremy Forbis is a CFP® with 25 years of experience in the financial services industry. He is currently with Capital Analysts and previously worked at Lincoln Investment and Cincinnati Analysts, Inc. Forbis serves on the boards of the Make-A-Wish Foundation of the Mid-South and the nonprofit One Million Wells, where he is involved in fundraising and awareness efforts. He also owns a fixed insurance agency and is involved in fixed insurance sales and service. Capital Analysts provides portfolio management and retirement-plan advice to a diverse client base, including individual, high-net-worth, institutional, and charitable clients. The firm offers both discretionary and non-discretionary investment management through a proprietary mutual fund screening system and partners with third-party managers, delivering services via an independent advisor network and firm-managed programs.

Craig Howard is a CFP® professional with 16 years of industry experience, currently serving at ValMark Advisers, Inc. since 2021. He previously worked at Lincoln Investment and Capital Analysts Incorporated. Howard is also licensed to solicit, sell, and service fixed insurance products. ValMark Advisers provides investment management, financial planning, and retirement plan advisory services to individuals, plan sponsors, and institutional clients through a network of approximately 280 advisors. The firm employs diversified, goal-based model portfolios primarily using mutual funds, ETFs, and third-party managers, and offers a range of proprietary and third-party investment programs.

George Coules is a financial advisor with Sound Income Strategies, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked with several firms, including McAdams Tax Advisory Group, Long Term Care Advisors, and Principal Life Insurance Company. Outside of advisory work, he is involved in the sales and service of life insurance, fixed and index annuities, as well as long-term care, Medicare supplements, and disability insurance. Sound Income Strategies, LLC manages approximately $4.0 billion in client assets and serves a diverse client base including individuals, pension plans, trusts, corporations, and other advisers. The firm emphasizes fixed-income analysis combined with equity review and offers customized portfolio management, financial planning, ERISA plan services, and insurance planning through affiliated channels.

Paul Zuckerman is a financial advisor at Stephens with 42 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Morgan Stanley and Citigroup Global Markets. Stephens is a multi-team investment adviser with approximately 243 advisors and $18 billion in assets under management, serving individuals, retirement plans, foundations, corporations, and other institutional clients. The firm offers discretionary and non-discretionary management across various advisory programs, combining bottom-up equity research with committee-driven asset allocation and fixed-income management.

Larry Clayton is a financial advisor with Capital Analysts in Memphis, TN, holding the ChFC® and Series 63 designations and bringing 33 years of industry experience. He has been with Capital Analysts since 1993 and has worked at Lincoln Investment since 2012. Outside of his advisory role, he maintains an insurance sales position focused on life insurance and life settlements. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, trusts, and institutions, offering portfolio management, custom and model portfolios, and retirement-plan advice. The firm combines discretionary investment management by an in-house team with non-discretionary services through advisors and third-party managers, utilizing a proprietary mutual fund screening process called CAPSL.

Gary Osing is a financial advisor with Sound Income Strategies, LLC, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has worked at Sound Income Strategies since 2017 and previously held roles at WFG Advisors LP and WFG Investments, Inc. Osing is also involved with McAdams Group LLC, where he provides fixed insurance and tax preparation services and serves as a strategic wealth advisor. Additionally, he is the secretary of the GM&O Historical Society. Sound Income Strategies, LLC manages approximately $4.0 billion in client assets and serves a diverse client base including individuals, pension plans, trusts, estates, and corporations. The firm focuses on customized managed portfolios with an emphasis on fixed-income analysis and equity review, offering a range of advisory services including financial planning, ERISA plan services, and insurance planning through affiliated channels.

John Kimbrough IV is a financial advisor with Stephens in Memphis, TN, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. His prior work includes roles at Morgan Stanley and UBS Financial Services, with continuous tenure at Stephens since 2012. Outside of advisory work, he owns and manages four single-family rental dwellings. Stephens is a multi-team investment adviser with approximately 243 advisors and $18 billion in assets under management. The firm serves individuals, retirement plans, foundations, corporations, and institutional clients, offering discretionary and non-discretionary management across various wrap and advisory programs while combining equity research with committee-driven asset allocation and fixed-income management.

Sean Gould is a CFP®, PFS™, and Series 65 credentialed advisor with 13 years of industry experience. He currently works at Coastal Bridge Advisors and previously spent 10 years at Waddell & Associates, LLC. Coastal Bridge Advisors offers financial planning, consulting, and wealth management services to individuals, family offices, trusts, estates, foundations, and qualified retirement plans. The firm employs a goal-based, fundamental analysis approach to construct diversified portfolios and provides specialized advisory services including retirement plan consulting, HSA investment management, and access to various lending solutions.

Michael Deutsch is a CFP® professional with 20 years of experience in financial advising. He has been with United Capital Financial Advisors since 2010. Outside of his advisory role, he mentors his daughter's jewelry design and sales business, Pink Antique, LLC. United Capital Financial Advisors serves a broad client base nationally, including individuals, corporations, retirement plans, and charitable organizations. The firm offers discretionary portfolio management, access to third-party managers, and customized investment strategies, supported by client-facing technology and ongoing portfolio monitoring.

John Cordera Jr. is a financial advisor at B. Riley Wealth Advisors, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining B. Riley Wealth Advisors and B. Riley Wealth Management in 2024, he worked at FedEx Express for six years and at Mississippi State University for five years. B. Riley Wealth Advisors, Inc. is an SEC-registered advisory firm managing approximately $7 billion in client assets through 274 advisors. The firm serves individual, high-net-worth, charitable, corporate, and retirement plan clients with a broad range of advisory programs, financial planning, and investment management services.

Stuart Ray is a CFP® with 27 years of industry experience, currently with Hilltop Securities Inc. He has previously held roles at B. Riley Wealth Advisors, B. Riley Wealth Management, Wunderlich Securities, and Morgan Stanley in various capacities over nearly two decades. Hilltop Securities serves individual and institutional clients, including high-net-worth individuals and retirement-plan sponsors, offering a range of advisory and brokerage services on an open-architecture platform that includes third-party and proprietary strategies. The firm integrates custody, banking, and market-making capabilities and sponsors specialized municipal bond strategies.

Robert Graham is a CFP® and holds a Series 65 license with four years of industry experience. He joined Coastal Bridge Advisors in 2026 after working at Waddell & Associates, LLC for five years and previously held roles at AutoZone and The Marston Group, PLC. Coastal Bridge Advisors provides financial planning, consulting, and wealth management services to individuals, family offices, trusts, estates, foundations, and qualified retirement plans. The firm employs a goal-based, fundamental analysis approach to construct diversified portfolios and offers specialized advisory services including retirement plan consulting, HSA investment management, and access to lending solutions.

Martin Hearn Sr. is a financial advisor at Silver Oak Securities, Inc. with 32 years of industry experience. He holds a Series 63 designation and has been with Silver Oak Securities since 2009, following prior roles at Securities America Advisors, Inc. and Investacorp Advisory Services Inc. He also operates Hearn Wealth Management, LLC, providing life, fixed, health, and long-term care insurance services. Silver Oak Securities serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, and other entities through a network of over 100 financial professionals. The firm offers various advisory programs and employs primarily discretionary investment management tailored to client objectives using a mix of individual securities, ETFs, mutual funds, and strategist models.

Jennifer Linkous is a financial advisor at United Capital Financial Advisors with 13 years of industry experience. She holds a Series 65 designation and has been with United Capital since 2010. United Capital Financial Advisors provides financial planning and investment management services nationally to individual investors, corporations, retirement plans, charitable organizations, and other institutional clients. The firm offers discretionary portfolio management using asset-allocation models and selected third-party managers, with options for ESG and faith-based customization, supported by client-facing technology and ongoing monitoring.

Philip Wunderlich is a financial advisor at Prospera Financial Services, Inc. with 27 years of industry experience. He has held roles at B. Riley Wealth Advisors, Inc. and B. Riley Wealth Management, and founded Wunderlich Capital Management LLC. Outside his advisory work, he is involved in family investment ventures including managing partnerships in real estate and serving on the board of a family trust. Prospera Financial Services, Inc. is a multi-team advisory firm with 271 advisors managing approximately $14.4 billion in client assets. The firm serves individuals, retirement plans, trusts, estates, and charitable organizations, offering financial planning, portfolio management, and access to multiple advisory platforms with both discretionary and non-discretionary account management.

Peyton Klawinski is a CFP® professional with eight years of industry experience, currently serving at Red Door Wealth Management, LLC since 2021. Prior to joining Red Door, Klawinski worked at Stephens Inc. from 2017 to 2021 and completed academic work at the University of North Carolina from 2013 to 2017. Red Door Wealth Management provides advisory services to individuals, high-net-worth clients, pooled investment vehicles, and pension plans, employing diverse investment strategies including fundamental and technical analysis, modern portfolio theory, and tax-loss harvesting. The firm is recognized for its role as a private-fund adviser and sponsor, offering customized wealth planning and estate services through strategic partnerships.

John Zoccola is a financial advisor at B. Riley Wealth Advisors, Inc. in Memphis, TN, holding a Series 63 designation and bringing 25 years of industry experience. His career includes long-term roles at First Tennessee Brokerage Inc and FTB Advisors, Inc., before joining B. Riley Wealth Management in 2019. B. Riley Wealth Advisors, Inc. is an SEC-registered firm managing approximately $7.03 billion in client assets through about 274 advisors. The firm serves individuals, high-net-worth clients, charitable organizations, corporations, and retirement plans with a range of advisory programs, financial planning, and retirement solutions, utilizing multiple program structures and both proprietary and third-party asset allocation models.

Michael Bartlett is a Planning Consultant at Fidelity Investments, a role he has held since 2023. He works closely with clients to help them grow and protect their wealth, make informed investment decisions, and simplify their financial lives through personalized financial planning. Prior to his current position, Michael served as an Investment Management Consultant and Investment Consultant at Fidelity Investments from 2020 to 2023. His earlier experience includes roles as a Financial Advisor at Edward Jones and UBS, and as a Wealth Planning Analyst at UBS. He holds an Arkansas Insurance License.

George Coors II is a financial advisor at Stephens with 12 years of industry experience. He holds a Series 66 designation and has worked at Stephens since 2015, following a year at First Horizon Advisors. Outside of his advisory role, he serves as Treasurer for the Delta Waterfowl Memphis Chapter, a nonprofit focused on fundraising for waterfowl conservation. Stephens is a multi-team investment adviser with approximately 243 advisors managing around $18 billion in assets. The firm serves individuals, retirement plans, foundations, corporations, and institutional clients, offering both discretionary and non-discretionary management across a range of advisory programs. Stephens combines bottom-up equity research with committee-driven asset allocation and also provides brokerage, investment banking, custody, and municipal advisory services.