Brian Smith is a financial advisor at OSAIC with 34 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 30 years before joining OSAIC in 2025. Smith serves as a Major in the U.S. Army Retired Reserve and owns B&G Ranch LLC, where he raises cattle and breeds horses. Additionally, he is a board member of Live Life Healthy, LLC, a health care company selling indemnity-based health insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms, offering integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Jeremy Gentle is a financial advisor with LPL Financial in Birmingham, Alabama, holding Series 63 and Series 65 licenses and having 38 years of industry experience. His prior roles include positions at Raymond James Financial Services, Wells Fargo Clearing, and Merrill. He also operated Gentle Family Wealth Partners, LLC, a family wealth advisory entity. 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.

Jacob Byers is a financial advisor at Cetera with the Series 66 designation and one year of industry experience. Prior to joining Cetera, he worked at CB&S Bank for four years and has held various roles in financial services and other industries. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individual investors, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and third-party managers.

Michael Prewitt is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 10 years of experience in the finance industry and has been part of the Merrill team for more than 3 years. Based in Birmingham, Michael focuses on serving high net worth individuals and business owners, assisting them with wealth accumulation, retirement income distribution planning, and tax-efficient wealth transfer strategies. Michael holds a Bachelor's Degree in Finance from the University of Alabama. He has earned several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His client focus areas encompass divorce transition planning, employee benefits planning, family wealth management, and services for endowments, foundations, and non-profits. Outside of his professional work, Michael enjoys spending time with his wife, playing guitar, watching Alabama football, as well as engaging in adventure sports, cooking, golf, music, reading, swimming, and watching movies. He is also committed to community involvement and volunteers with local organizations.

Peppi Talley is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 40 years of industry experience. His career includes long tenures at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and COMPASS Bank. Based in Birmingham, AL, he has been with Raymond James since 2021. 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, pension plans, and municipal entities, offering tailored financial planning, investment consulting, and municipal advisory services.

Britney Bernstein is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at PNC Investments, BBVA Securities Inc., BBVA Compass Insurance Agency, and COMPASS Bank. Outside of her advisory role, she is the majority owner of a paper shredding business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Harry Bradford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and institutions to help them pursue their financial goals, focusing on clarity and long-term relationships. Harry's approach involves understanding each client's unique needs to assist with preservation, growth, and transfer of wealth. Harry has over twenty years of experience in investment management and wealth strategy. Before joining Merrill Lynch, he held senior roles at several firms, including serving as a Senior Portfolio Manager at the McDonald Group, a single family office, and as a Senior Vice President and Wealth Consultant at Fi-Plan Partners. His career also includes positions at RBC Bank, Morgan Asset Management/Regions Financial, and UBS/Paine Webber. Additionally, Harry led his own asset management firm for three years, gaining insight into the challenges and opportunities faced by business owners. He earned a Bachelor of Science degree in Commerce and Business Administration from the University of Alabama. Harry holds the Personal Investment Advisor (PIA) designation.

Jonathan Behrens is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He previously worked at UBS Financial Services Inc. for six years before joining Wells Fargo in 2022. Outside of his advisory role, he is a 50% owner of Vulcan Blue LLC, operating a swim school in Hoover, Alabama, where he assists with budgeting and bookkeeping. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Charles Crowther III is a CFP® professional affiliated with Raymond James Financial in Birmingham, AL, with 43 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2009. Outside of his advisory role, he is involved in several family farming operations in the Birmingham area. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals, utilizing various analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Hunter Stewart is a financial advisor with Cambridge Investment Research Advisors in Birmingham, AL, holding the ChFC® and Series 63 credentials and bringing 35 years of industry experience. Prior to joining Cambridge in 2022, he worked for CONCOURSE FINANCIAL (formerly ProEquities, Inc) for 23 years and has operated his own independent insurance agency since 1987. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody and platform arrangements with both discretionary and non-discretionary strategies tailored to client goals.

Dean Paugh is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting through various advisory programs and institutional solutions.

Stanton Ingram Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He is also involved with Ingram Partners, LLC and Birmingham Investment Group, among other ventures. Ingram serves as a managing partner in JSLS Properties, LLC, where he makes investment decisions. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm employs tailored, non-discretionary planning and analytical tools focused on client goals and supports a broad advisor network with specialized programs including municipal and SIMPLE IRA employer advisory services.

Jill Taylor Phillips is a financial advisor with Raymond James & Associates in Birmingham, AL, holding a Series 66 designation and five years of industry experience. She previously worked at Merrill and RBC, among other firms, before joining Raymond James in 2026. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional plans, and municipalities, offering financial planning and investment consulting through various advisory programs.

Michael Ruffine is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on creating personalized wealth management strategies tailored to each client's comprehensive financial picture and evolving market conditions. Michael provides access to Merrill's investment insights as well as the banking and lending solutions available through Bank of America. He holds the designation of Personal Investment Advisor (PIA) and has pursued studies at Brookdale Community College, San Jose State University, and De Anza College, in addition to earning a high school diploma from Leland High School. Michael is committed to community involvement and volunteers with organizations that serve the communities where he works.

Jared Anderson is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Prior to his current role, he has worked at Bank of America, N.A. and has been involved in the moving industry in various capacities. Outside of his advisory work, he occasionally assists with weekend work at Liberty Moving. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lawrence Wall is a CFP®-designated financial advisor with 22 years of industry experience, currently affiliated with LPL Financial. He has held roles at several firms including Cambridge Investment Research and Ameritas Investment Company. Wall is also involved with Crump Insurance in a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of financial planning and investment management services, including access to third-party asset managers and institutional platforms.

Charles Grinkmeyer is a financial advisor with Ameriprise in Vestavia Hills, AL, holding a Series 63 designation and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory work, he manages an office space leasing and management business through Grinkmeyer and Associates, LLC. 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 advice focused on dependable income and tax-aware withdrawal strategies.

Justen Burns is a financial advisor at Wells Fargo Advisors with four years of industry experience. He holds a Series 66 designation and has a military background, having served in the United States Army from 2001 to 2021. He also has ownership in Tavros Wealth Management LLC. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with banking and other financial products.

Joseph Kassouf is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. He has been with Cetera and related entities since 2018 and previously worked at Wells Fargo Advisors and Wells Fargo Bank from 2013 to 2018. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program platforms and third-party money managers.

James Kline is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining Wells Fargo in 2020, he worked at UBS Financial Services for nine years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.