Ronald Clark is a financial advisor with LPL Financial based in Flowood, MS. He holds a Series 66 designation and has five years of industry experience, including roles at Hartfield Academy and Southstone Properties, Inc. Outside of his advisory work, he serves as an independent agent for non-variable insurance with Crump. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Richard Cooper III is a CFP® professional with nine years of industry experience, currently affiliated with OSAIC. His prior experience includes roles at Securities America Advisors, Wealthview Capital, Ameriprise Financial Services, and Merrill. Outside of financial advising, he owns and operates Niai Publishing, LLC, a Kindle Direct Publishing business producing fiction and no-to-low content books. OSAIC serves a diverse client base ranging from individual investors to institutional entities, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes various tools and third-party platforms to construct and manage portfolios across multiple asset classes with both discretionary and non-discretionary approaches.

Jodi Welch is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has worked at Merrill since 2017 and is currently affiliated with Bank of America, N.A. Outside of her advisory work, she was involved with the Madison County Chamber of Commerce from 2011 to 2017. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, supported by internal and third-party portfolio management teams.

James Smith Jr. is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1986, also working at Bank of America, N.A. since 2009. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, and custody services. The firm emphasizes tax-efficient strategies and leverages its integration with Bank of America and its capital-markets platform.

Dennis Watkins is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 credentials and has 20 years of industry experience. Prior to joining Raymond James in 2020, he worked at Nautlis Asset Management. He is also an associate and operations manager at Williams Weiss Hester and has been involved with On Board Creations since 2012. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public-finance work through a municipal advisor affiliation.

Walker Dowell is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and nine years of industry experience. He previously worked at Stephens Inc. from 2014 to 2017 before joining Morgan Stanley Private Bank and Morgan Stanley in 2017. Outside of his advisory role, Dowell serves on the Ole Miss Business School Advisory Board and is involved in several investment-related business ventures. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques to develop tailored financial plans.

Jena Ponder is a Wealth Management Advisor with Merrill Lynch Wealth Management. She provides personalized wealth management strategies that are designed to help clients pursue their long-term financial goals. By gaining a comprehensive understanding of each client's financial situation, she develops flexible strategies that adapt to changing market conditions and offers access to investment insights from Merrill and banking services from Bank of America. Jena holds the Personal Investment Advisor (PIA) designation and has completed her high school education at Pearl High School as well as Hinds Community College. Committed to community engagement, she follows Merrill’s tradition of participating in local community activities and volunteers with various organizations.

Vickie White is a financial advisor with Raymond James & Associates who holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining Raymond James in 2025, she worked at Merrill for six years and Stifel for twelve years. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers a range of financial planning and consulting services, with a non-discretionary approach to investment implementation, and is notable for its municipal advisory services and extensive affiliated network.

Frederick Garraway Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Outside of his advisory role, he is involved in family-owned farming businesses and serves on the board of a general store and land ownership enterprise in Bolton, Mississippi. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Gregory Breland is a financial advisor with LPL Financial in Jackson, MS, holding Series 63 and Series 65 designations and bringing 41 years of industry experience. He has been with LPL Financial since 1999. Outside of his advisory work, he teaches continuing education courses on CFP Ethics and provides basic financial education to Veterans Administration employees and veterans. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advisor-facing technology tools.

Jason Little is a financial advisor at Raymond James Financial Services Advisors, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at LPL Financial. Outside of his advisory role, he is involved with Trustmark Bank and serves as an instructor at Jackson State University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Karolina Simmons is a financial advisor with LPL Financial holding a Series 66 designation and four years of industry experience. She previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of her advisory role, she is involved with Renasant Financial Services, a business related to her LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Julie Smith is a financial advisor with Raymond James & Associates in Jackson, MS, holding Series 63 and Series 65 credentials and 32 years of industry experience. She has been with Raymond James & Associates since 2013. Outside of her advisory role, she assists in a family-owned business by helping with merchandise ordering and stocking in a voluntary capacity. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and consulting services with a non-discretionary approach and a range of portfolio management styles.

Steven Taylor is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 licenses and possessing 30 years of industry experience. His career includes roles at Trustmark Bank since 2012 and LPL Financial Inc. from 2012 to 2025. Outside of advisory work, he is involved with Trustmark Bank in a registered bank associate capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Richard Adair is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been associated with PFS Investments Inc. since 2007 and Primerica Financial Services since 1987. His other business activities include compensation from affiliated companies for sales of loan products and referrals for home security and automation services. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selective separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure, with portfolio implementation managed by BNY Mellon Advisors.

Marray Harris is a financial advisor with Primerica Advisors in Jackson, MS, holding Series 63 and Series 65 licenses and possessing six years of industry experience. Harris has worked concurrently at several organizations, including the University of Mississippi Medical Center and Horne LLP. Outside of advisory work, Harris is involved in educational consulting through a partnership in MJE Consulting, LLC, and owns MDH Business Consulting. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and employs an operational model built around tiered wrap fees.

Mark Simpson is a Senior Financial Advisor and First Vice President with Merrill Lynch Wealth Management. He has been with Merrill since 2009 and is a Personal Investment Advisor (PIA). Mark focuses on investment consulting for defined contribution plans, managing new wealth, and personal retirement planning. Within The Simpson Group, he specializes in investments, relationship management, and business development. Mark earned a bachelor's degree in Business Administration from the University of Mississippi in 2007. He helps families achieve and maintain financial security by developing personalized financial strategies tailored to their long-term goals. Mark emphasizes the importance of aligning life plans with clients' best interests while allowing flexibility to address changes and challenges over time. Mark lives in Ridgeland with his wife, Megan, and their daughters, Millie and Hart. Outside of work, he enjoys hunting, cooking, football, and spending time with family and friends. He also participates in community volunteer activities, reflecting a commitment to the communities he serves.

James Lee is a financial advisor with Raymond James Financial in Madison, MS, holding Series 65 and Series 66 licenses and nine years of industry experience. His prior roles include long-term service at Trustmark Investment Advisors Inc and Renasant Bank Corp. He is also associated with Van Skiver Financial Services, LLC, a non-investment related business. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary advisory services using risk profiling and modeling tools, and supports municipal and public-finance work through a specialized affiliation.

John Jordan is a financial advisor with Mass Mutual Investors Services in Madison, MS, holding a Series 66 designation and 11 years of industry experience. He has worked with MML Investors Services and Mass Mutual Life Insurance Company since 2016 and previously spent one year at KPMG. In addition to his advisory role, he is involved in life and health insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software to support collaborative, goal-oriented planning engagements.

Christopher Harris is a financial advisor with Primerica Advisors in Flowood, MS, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at Pfs Investment Inc since 2016 and Primerica Financial Services since 2010, alongside a concurrent role at Ims Engineers Pa. His additional business activities include sales of loan products, home security, automation, and other home-related services through Primerica affiliates. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers while delegating model implementation to BNY Mellon Advisors.