Kristen Wagg is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. She has worked at Cetera and Regions Bank since 2016. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers, supporting a range of program structures and investment strategies.

Terry White is a Series 66 licensed financial advisor with Edward Jones in Decatur, Alabama, with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors, offering a variety of advisory strategies and affiliated investment products under a fiduciary standard.

Hugh Hinson Jr. is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked for Lincoln Financial Advisors Corporation for 28 years before joining OSAIC in 2025. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of affiliated advisers, employing tools such as asset allocation models, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various asset classes.

Michele Hightower is a CFP®-designated financial advisor with nine years of industry experience. She currently works at Morgan Stanley, where she has been since 2022, including two years at Morgan Stanley Private Bank, N.A. Prior to that, she held roles at SA Stone Wealth Management Inc. and Jackson National Life Distributors. Morgan Stanley Wealth Management (MSWM) serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning using firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services under both direct and corporate financial planning agreements.

Donald Barthel is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Trace Lentz is a financial advisor at LPL Financial with Series 66 credentials and one year of industry experience. His prior work includes roles at Securities America Inc and the University of Alabama. Outside of advising, he is involved with Lentz Thompson Retirement Advisors, an entity related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management services through a large network of advisors who utilize model portfolios, third-party subadvisors, and customized strategies.

Tracy Lentz is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. She previously worked at Securities America Advisors, Inc. and has operated Lentz Financial Services, Inc. since 2004. Outside of advising, she is involved in farming and owns a cafeteria business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Donald Fuller is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Wells Fargo entities since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses proprietary research and tools to develop tailored recommendations for clients.

Richard Sanders is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved planning tools and market models. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning and corporate financial planning agreements.

Christopher Smith is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 26 years of industry experience. He previously worked at Raymond James & Associates for ten years before joining Cetera and also serves as president of C. Tod Smith Capital Investments, Inc., where he offers retirement planning and investment services. Cetera Investment Advisers LLC is a large SEC-registered advisory platform with over 10,000 advisors, serving individual, corporate, charitable, and institutional clients through a range of portfolio management and financial planning services. The firm provides multiple program options including model portfolios, third-party managers, and bespoke strategies across discretionary and non-discretionary account structures.

Jonathan Anderson is a financial advisor with Morgan Stanley in Decatur, Alabama, holding a Series 66 designation and 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to develop tailored plans.

Sarah Smith is a financial advisor with Morgan Stanley in Decatur, Alabama, holding a Series 66 designation and 10 years of industry experience. She has worked with Morgan Stanley Private Bank since 2016 and is affiliated with the University of Alabama in Huntsville. Outside of her advisory role, she serves on the finance committee and as a board member for the United Way of Morgan County and is a board member of Burritt on the Mountain, a local cultural and environmental organization. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery and modeling tools but does not provide individual security recommendations as part of standalone plans.

Samuel Jones IV is a financial advisor with LPL Financial in Decatur, Alabama, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at Raymond James & Associates and Morgan Keegan & Company, LLC. Outside of his advisory work, he is also active as a musician and serves in a fiduciary capacity with the John and June Wyker Charitable Foundation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions delivered through a large network of investment adviser representatives.

Robert Payne is a financial advisor with Edward Jones in Hartselle, Alabama, holding a Series 63 designation and over 34 years of industry experience. He has been with Edward Jones since 1991. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients through a nationwide network of approximately 23,701 advisors. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Lance Ernest is a financial advisor with LPL Financial in Decatur, AL, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Bank of America, Merrill, Cetera, and Fisher Investments. He is also associated with United Community Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions and supports its advisors with proprietary research, third-party subadvisors, and technology tools.

Jonathan Holt is a financial advisor with Edward Jones in Decatur, Alabama, holding a Series 66 designation and 17 years of industry experience. He has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

George Breeden III is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 66 credentials and previously spent 20 years with Securities America Advisors, Inc. and Securities America, Inc. He is also a partner at Alford, McKenzie & Breeden P.C., providing tax preparation and accounting services. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Taylor Roberts is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 31 years of industry experience, having previously worked at Raymond James & Associates, Morgan Keegan & Company, LLC, and Citigroup Global Markets. Outside of his advisory role, he owns a home-based business called North Alabama Pinestraw. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, delivered through a large network of investment adviser representatives.

Tore Haavik is a financial advisor at Edward Jones with 10 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2016. In addition to his advisory role, Haavik is involved with the Eagle Center for Leadership. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

John Wyker III is a financial advisor at Stifel with Series 63 and Series 65 licenses and 50 years of industry experience. He previously worked at Raymond James & Associates for 13 years before joining Stifel. He serves as trustee for a family trust established under his father's will. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and public entities, providing brokerage and investment advisory services. The firm’s investment approach is based on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.