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.

Douglas Falkinburg is a CFP® professional with 24 years of industry experience. He is currently with Cetera and has previously worked at Hancock Investment Services, Inc. and Hancock Bank. Falkinburg holds the Series 66 designation and is based in Fairhope, Alabama. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.

Tanner Ragland is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America, N.A. since 2019. His prior experience includes roles at Regions Bank, Firebirds Woodfire Grill, Cygnal, and Auburn University at Montgomery. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Zach Bolden is a financial advisor with LPL Financial, holding a Series 66 registration and bringing 16 years of industry experience. His career includes roles at PNC Investments, Edward Jones, and Raymond James Financial Services, among others. He is currently based in Daphne, Alabama. 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 portfolios, third-party asset management, and institutional platforms.

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.

Marshall Blake is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 27 years of industry experience. His prior work includes roles at Wells Fargo Advisors Financial Network and Morgan Stanley DW Inc. He is involved in family-related business entities used 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Grace Plash is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked at KPMG, LLP and spent nine years in the education sector. She is also a partial owner of an investment LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and affiliated products. The firm operates under a fiduciary standard and supports a large national network of advisors and branch offices.

Thomas Lick is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has held prior roles at Edward Jones, Regions Bank, and other firms. Before his advisory career, he was involved with Superior Mosquito Defense and had various self-employed ventures. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service that provides tailored retirement planning advice through written reports and ongoing support. The firm’s approach incorporates proprietary research and third-party data within a defined investment universe and requires a minimum level of investable assets for participation.

Maury Lomax is a financial advisor with Morgan Stanley in Mobile, AL, holding a Series 66 designation and having 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations and secular return estimates, in its financial planning process.

Brandon Fisher is a financial advisor with Primerica Advisors and holds Series 63 and Series 65 licenses. He has 14 years of industry experience and has worked at Primerica Financial Services since 2006, including roles at PFS Investments Inc. and CNC. In addition to his advisory work, he is involved in the sale of home-related products through affiliated companies, including mortgage and home security services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-based investment strategies supported by third-party asset managers, with approximately 3,935 advisors and $15.5 billion in assets under management.

John Horner III is a financial advisor with Wells Fargo Advisors in Mobile, Alabama, holding a Series 63 designation and 35 years of industry experience. He previously worked at Morgan Stanley for seven years before joining Wells Fargo Advisors in 2018. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, utilizing Wells Fargo research and planning tools to develop tailored recommendations.