Patrick Mccraw is a financial advisor with Cetera who holds Series 63 and Series 65 registrations and has 32 years of industry experience. He has worked at firms including Pruco Securities LLC and Prudential Insurance Company of America. Outside of his advisory role, he co-owns a hunting camp through Three Oaks Farm, LLC, and owns SIP Outdoors, a retail store, although he is not involved in its daily operations. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies under various program structures.

Jill Rowe is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with Raymond James & Associates since 2013. Outside of advising, she serves as Treasurer for the Villas at the Reservoir Homeowners Association, where she provides semi-annual treasurer reports and has signing authority for payments. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Charles Brewer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James and affiliated entities since 2010. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Timtico Waterman is a financial advisor with Wells Fargo Clearing in Ridgeland, MS, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Pruco Securities, Prudential Insurance Company of America, and Equitable Advisors among others. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Robin Morgan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 licenses and 34 years of industry experience. Morgan has worked with Cambridge Investment Research Advisors since 2012 and with Cambridge Investment Research, Inc. since 2009. Morgan serves as a board member on the advisory board of the LGBTQ Fund of Mississippi. Cambridge Investment Research Advisors is an SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors through a network of independent Financial Professionals. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services with customizable strategies across various custody and platform arrangements.

Michael Zito is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His prior work includes roles at Mississippi College, Mississippi State University, and Madison Ridgeland Academy. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by advanced analytical tools and maintains unique capabilities in municipal finance and employer advisory programs.

Charles Mitchell III is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with WELLS FARGO Advisors, LLC from 2013 to 2016. He is based in Brandon, Mississippi. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical institutional advisers.

Carolyn Mc Lemore is a financial advisor at Raymond James Financial with 30 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial for 14 years. She is also an agent with S.USA Life / Prosperity, where she incorporates annuity products into client portfolios. 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 utilizes risk profiling and analytical tools to tailor non-discretionary planning and supports municipal and public-finance work through a municipal advisor affiliation.

Haley Stockstill is a financial advisor with Wells Fargo Clearing in Ridgeland, MS, holding Series 63 and Series 66 credentials and 20 years of industry experience. She previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Kayla Soukup is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has worked in educational and nonprofit settings, including Southern Christian Services. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, and charitable organizations. The firm offers financial planning, investment consulting, and institutional fiduciary services, utilizing a range of portfolio management styles and affiliated research.

Katherine Brian is a financial advisor with Raymond James & Associates in Brandon, Mississippi. She holds a Series 66 designation and has been with Raymond James since 2024. Prior to her current role, she worked at the Walt Disney Company and was involved with the Rankin County Chamber of Commerce. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services that are typically non-discretionary.

Ladd Sanderson is a financial advisor at Edward Jones with six years of industry experience and holds a Series 66 designation. His prior work includes roles at LPL Financial, JP Morgan Chase Bank, Guardian Life Insurance, Raymond James, and Northwestern Mutual. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of financial advisors and branch offices.

Charles Duckworth is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with Merrill since 1987 and has concurrently worked with Bank of America since 2011. Outside of advising, he is an owner of two LLCs involved in property management in Madison, Mississippi. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Charles Brown is a financial advisor with Raymond James Financial in Madison, MS, holding Series 63 and Series 65 licenses and 26 years of industry experience. His prior roles include 14 years at LPL Financial and current positions at Trustmark Bank and Raymond James Financial Services. Outside of advising, he owns a business providing beauty services and products. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individuals to institutional clients, offering financial planning, investment consulting, and advisory services. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings in municipal and public finance.

Kade Clinton is a financial advisor with LPL Financial in Flowood, MS, holding a Series 66 credential and three years of industry experience. He has worked at Power Financial Group since 2021 and has additional experience in various roles including at Mississippi State University and Holmes Community College. 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 financial planning and investment management solutions through a large network of advisors, utilizing both proprietary and third-party strategies.

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.