Keisha Lemmon Clifford is a Financial Advisor with Merrill Lynch Wealth Management based in Springfield, Missouri. She works with individuals and families to understand their financial circumstances and develop strategies that align with their stated goals and objectives. Her practice includes investment management, retirement planning, and wealth accumulation. Clifford takes a structured approach to organizing financial information and supports clients in evaluating available options over time. She maintains ongoing communication with clients and updates strategies as their financial situations, objectives, and market conditions change. She holds the Personal Investment Advisor (PIA) designation and has completed education at Ozark's Technical Community College, as well as a High School Diploma from the Missouri Department of Elementary and Secondary Education. Outside of her professional work, Clifford enjoys adventure sports, camping, football, hiking, traveling, and spending time with her family.

Karl Kime is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he joined in 2022. He works with affluent clients to develop personalized financial strategies tailored to their short- and long-term goals, focusing on areas such as college education planning, divorce transition planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, and retirement income. Karl emphasizes connecting all aspects of a client's financial life to prioritize and pursue meaningful goals. Karl has been in the financial services industry since 2011. He holds a Bachelor of Arts degree in Business Administration from Drury University and has earned the Personal Investment Advisor (PIA) designation. He believes that the primary challenge for long-term investors is not market volatility but rather the erosion of purchasing power due to inflation, aiming to craft plans to help clients increase their assets and potential income beyond inflation. Born and raised in southwest Missouri, Karl lives in Springfield with his wife Becky and their two children. He is active in the community, supporting organizations such as CASA of the Ozarks and the Heart of the Ozarks Sertoma Club. In his free time, he enjoys mountain biking, golf, baseball, reading, and spending time with his family.

Jeremy Clark is a financial advisor at Primerica Advisors with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked in roles related to fire protection and investment services since 2016. Clark also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-based investment strategies managed by third-party asset managers and supports accounts with BNY Mellon Advisors and Pershing custodial services.

Kathryn Pilkinton is a financial advisor with LPL Financial in Springfield, MO, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at Cadence Bank, Infinex Investments, Inc., BancorpSouth Wealth Management, and BancorpSouth Bank. She is also a commissioned notary public in the state of Missouri. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

David Sanford is a financial advisor with Cetera in Springfield, MO, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has served in various capacities at Cetera and affiliated firms since 2002 and operates Sanford & Associates Wealth Advisors, LLC. Outside of his advisory role, he is involved in multiple non-investment businesses, including ownership interests in companies related to propane sales, manufacturing, software, retail, construction, and commercial property, as well as accounting and payroll services. Cetera Investment Advisers LLC is a large nationwide SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers, managing over $256 billion in assets through more than 10,000 advisors.

Rabera Moranga is a Financial Advisor at Merrill Lynch Wealth Management, specializing in advising business owners, healthcare professionals, and high-income individuals through complex financial planning decisions and transition events. Her work focuses on delivering clarity, coordination, and disciplined judgment to clients dealing with liquidity events, incentive-based compensation, succession considerations, and organizational changes. Rabera brings experience from a decade working in regulated healthcare environments as a clinician and educator, which contributes to her disciplined, compliance-oriented approach to financial planning. She holds a Bachelor's degree from Rutgers the State University of New Jersey and maintains professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She actively participates in professional organizations such as the Association of African American Financial Advisors and the Greene County Estate Planning Council. In addition to her professional commitments, Rabera is involved in community initiatives including the Springfield Area Chamber of Commerce Small Business Council and serves as an ambassador for the Foundation for Springfield Public Schools. Her personal interests include hiking, reading, and traveling.

Michael Wilcox is a CFP® professional with over 31 years of experience in the financial industry. He is currently affiliated with J.P. Morgan Securities and has previously worked at Charles Schwab for more than two decades. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program where clients retain final decision-making authority.

Austin Kurth is a financial advisor with LPL Financial in Springfield, MO, holding a Series 66 designation and nine years of industry experience. His career includes roles at Bryan Bowles and Waddell & Reed, Inc. Outside of advising, he is involved with KFB, LLC, a business entity maintained for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, including access to third-party asset managers and institutional platforms, with advisory services delivered primarily through a large network of investment adviser representatives.

Hayley Besch is a financial advisor with LPL Financial holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial in 2023, she worked in roles at James River Church, Werner Enterprises, and Cox Health. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Stephen Mangan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously worked at Bank of America and Merrill from 2015 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, and it acts as an ERISA fiduciary when providing investment advice.

Shelley Marshall serves as the Senior Resident Director and Wealth Management Advisor at Merrill Lynch Wealth Management in Springfield, Missouri. She joined Merrill Lynch and the PBM Group in 2015, bringing over 20 years of financial experience to her roles. Shelley works with clients to develop and execute tailored wealth management strategies that address various stages of their financial lives. Shelley holds a bachelor's degree in business from Drury University and a master's degree in accountancy from Missouri State University. She is a CERTIFIED FINANCIAL PLANNER® professional and began her career in public accounting, though she does not provide accounting services in her current role. Her client focus areas include college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, women and wealth, tax minimization, and retirement income. Beyond her professional work, Shelley is involved in community service as a board member of Ozark Food Harvest and the Ozark Regional YMCA. She resides in Springfield with her husband and daughter and enjoys family time and fitness activities such as hiking and yoga.

Beth Swann is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and bringing 18 years of industry experience. She has worked at Wells Fargo Advisors since 2021 and previously held roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Outside of her advisory work, she owns and operates Beth Knight PEMF, a wellness practice in Ozark, Missouri, where she is a certified practitioner. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored client recommendations.

Ron Penney Jr. is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and over 42 years of industry experience. He has been with Ameriprise since 1983, including 15 years at Ameriprise Financial Services, Inc. Penney serves as President of the Board of Directors for the Pearson Pointe Subdivision and acts as an expert witness in financial planning cases. Ameriprise offers retirement-income planning services tailored for individuals nearing or in retirement, combining research-driven modeling and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Blake Boyd is a financial advisor with LPL Financial in Springfield, MO, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Oakstar Bank, Heim, Young & Associates Inc., Empower Advisory Group, Personal Capital Advisors Corporation, Ameriprise Financial Services, Inc., and R&L Carriers. He is the business owner of Belamour LLC, a non-investment related venture. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, with investment strategies encompassing model portfolios, subadvisors, and customized approaches.

Ronald Speir is a financial advisor with Primerica Advisors in Springfield, MO, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with Primerica Advisors since 1994 and Primerica Financial Services since 1993. Outside of advisory services, he is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies and discretionary management supported by third-party asset managers and custodians.

Eric Bruning is a financial advisor at Ameriprise with three years of industry experience. He holds the Series 66 designation and has previously worked at Cornerstone Wealth Management, LPL Financial, Great Southern Bank, University Communities, and Cardinal Group Management. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Benjamin Creighton is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Edward Jones, Pacific Select Distributors Inc., and Pacific Life Insurance Company. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Skyler Petruccelli is a CFP® with two years of industry experience, currently affiliated with Cetera. He has a background that includes roles at KPM Wealth Advisors and KPM CPAs. Outside of financial advising, he works as a dance instructor and creative assistant at Midwest Dance Revolution. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a diverse range of portfolio management and financial planning services through a network of over 10,000 advisors.

Casey Coring is a financial advisor at Primerica Advisors with 30 years of industry experience. He has been with Primerica Advisors since 1999 and Primerica Financial Services since 1994. His credentials include Series 63 and Series 65 licenses. Outside of advising, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a wrap-fee structure for its advisory services.

David Oplotnik is a financial advisor at Morgan Stanley with Series 63 and Series 65 licenses. He has been with Morgan Stanley and its Private Bank for one year. Prior to joining Morgan Stanley, he worked in the furniture industry for three years and has experience in insurance and education sectors. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning through structured processes and employs advanced modeling tools in its planning services.