Charlene De Vargas is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2021, she worked for 27 years with the Mobile County Public School System. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations, primarily for clients with significant assets managed within Ameriprise accounts.

Calley Coldsmith is a financial advisor with Ameriprise in Mobile, Alabama, holding a Series 66 designation and seven years of industry experience. Prior to joining Ameriprise in 2018, Coldsmith worked at ArcelorMittal USA. Outside of advisory work, Coldsmith serves on the Board of Directors for the Animal Rescue Foundation. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm’s approach includes detailed, non-discretionary recommendation reports developed by a centralized consulting team, incorporating research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Jeffery Howard is a CFP®-designated financial advisor with Stifel in Mobile, Alabama, bringing 40 years of industry experience. He has worked at Stifel since 2009. Outside of his advisory role, he serves as President of the Board of Directors for the AJM Scholarship Foundation. Stifel serves a broad client base including individuals, institutions, and charitable organizations, providing both brokerage and advisory services. The firm’s investment approach incorporates proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Jessica Womack is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. Her work history includes multiple roles at Cetera and its affiliates, as well as positions at Hancock Whitney Bank, Ameriprise, Austal USA, and Regions Bank. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual and institutional clients through a large network of independent advisors. The firm provides a range of portfolio management, financial planning, and retirement services, offering various program structures and access to third-party managers.

Megan Bruner is a Series 66-licensed financial advisor with Morgan Stanley in Mobile, Alabama, having 12 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015 respectively. Outside of her advisory role, she serves on the finance committee of the Tri Delta Delta Mu Alumnae Group, a fraternal society in Mobile. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides comprehensive financial planning and advisory services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and offers structured planning tools alongside a range of investment and estate planning solutions.

Melissa Glazner is a financial advisor at Stifel with 22 years of industry experience. She has held her current position since 2009 and holds Series 63, Series 65, and Series 66 licenses. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services along with fee-based financial planning. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Christopher Schatzman is a financial advisor with Morgan Stanley in Mobile, Alabama, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients. The firm offers financial planning services supported by structured discovery conversations and proprietary tools, managing approximately $2.74 trillion in client assets.

Joseph Lomax Jr. is a financial advisor at Cambridge Investment Research Advisors with 16 years of industry experience. He holds a Series 66 designation and has worked previously at VOYA Financial Advisors and C Square Wealth Strategies. Outside of his advisory practice, he owns a lawn care business called Midtown Lawn. Cambridge Investment Research Advisors serves a broad range of clients including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a large network of independent financial professionals. The firm offers multiple investment implementation options, including proprietary and third-party models, tailored to client objectives.

Kellie Eck is a financial advisor with Morgan Stanley in Mobile, AL, holding a Series 66 designation and having five years of industry experience. She has been with Morgan Stanley since 2019 and previously worked for the Foreign-Trade Zone Corporation from 2013 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Raymond Rapoza is a financial advisor at Raymond James Financial with 39 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Wells Fargo Clearing. Outside of his advisory role, he serves as an independent contractor for Gulf Coast Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Gaden White is a Series 66 licensed financial advisor with eight years of industry experience, currently working at Cetera in Mobile, AL. He has been with Cetera and its related entities since 2018 and also holds a longstanding position at Regions Bank dating back to 2007, where he serves as an area investment executive responsible for managing, coaching, and training financial advisors and licensed bankers. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform, with over 10,000 advisors managing more than $256 billion in assets.

Charlene Reyes is a CFP®-designated financial advisor with 30 years of industry experience. She currently works at Cetera and has previously held positions at BBVA Compass Insurance Agency, Compass Bank, and Regions Bank. She serves as a board member of the Boys & Girls Clubs of South Alabama and is co-membership chair of the nonprofit Impact100 Mobile. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to both affiliated and third-party investment managers.

Lauren Lomax is a financial advisor at Morgan Stanley with four years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank since 2022. Prior to joining Morgan Stanley, she was employed at Farmers Insurance and held roles at the University of South Alabama and Huntingdon College. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Cameron Lee is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked in the automotive sales industry and education sector, including roles at Palmer's Airport Hyundai, Palmer's Toyota, and the Mobile County School District. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written recommendation reports and ongoing tax-aware withdrawal strategies.

David Bradford is the Senior Resident Director and a partner of the Whiting Bradford Wealth Management Group at Merrill Lynch Wealth Management. Since launching his career there in 2009, David has been serving clients alongside Palmer Whiting since 2012. He often acts as a client's first full-service advisor, creating organized structures to manage and optimize scattered investments for individuals such as business owners, physicians, attorneys, retirees, and others navigating significant life transitions like divorce or loss of a loved one. David specializes in developing risk-averse income and growth strategies that emphasize diversification, cost efficiency, Social Security, and health considerations. His approach involves comprehensive assessment of clients' aspirations and concerns, examining all aspects of their financial picture including trust documents, insurance policies, and external investments. David conducts periodic reviews to adjust portfolios and goals in response to changing client needs and market conditions. He collaborates with clients on strategies for investments, retirement, concentrated stock, education funding, wealth transfer, and business succession. He holds a Bachelor's Degree from Auburn University and is a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). David is active in the Mobile community, involved with Big Brothers Big Sisters of South Alabama, and serves on the President's Cabinet for the University of South Alabama. He values family time with his wife Stephanie and their children, and enjoys golfing, hiking, running, soccer, and traveling.

Kelsey Lovett is a CFP® professional with 17 years of industry experience, currently advising clients at Ameriprise since 2020. Prior to this, she worked seven years at OneAmerica Securities and American United Life. Her other business activities include independent insurance brokering. Ameriprise provides a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Randolph Coale is a financial advisor with Morgan Stanley in Mobile, Alabama, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Gerald Hamm is a financial advisor with Raymond James & Associates, where he has worked since 2018. He holds the Series 66 designation and has 29 years of industry experience, including prior roles at Bank of America and Merrill. Outside of advising, he is the sole owner of Shellhorn Realty, LLC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting supported by a broad range of portfolio management styles and affiliated research.

Robert Hanley is a financial advisor with Ameriprise in Mobile, Alabama, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its affiliated entities since 2011. Hanley serves on the finance committee of DWBC and is the sole shareholder of RS Hanley Inc., a business used for internal expense control. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Steven Setterstrom Jr. is a financial advisor with Morgan Stanley in Mobile, Alabama, holding Series 63 and Series 65 licenses and three years of industry experience. Before joining Morgan Stanley, he worked for the PGA Tour and held positions at golf clubs and The University of Alabama. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools without providing individual security recommendations as part of its standalone planning.