Susan Yaba is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at Stifel Nicolaus & Co Inc for 10 years. She has an ownership interest in a family partnership, ASJ Enterprises LLC, although she does not have decision-making responsibilities there. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm combines research and analytics with a variety of brokerage and advisory solutions across a large network of advisors.

William Welden is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing investment consulting services to individuals, foundations, endowments, retirement plans, and institutions. William focuses on client areas including college education planning, divorce transition planning, institutional and corporate benefit services, and legacy planning. He holds a Bachelor's Degree from Auburn University and holds professional designations such as Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), and Personal Investment Advisor (PIA). William works closely with clients to develop personalized financial strategies aimed at pursuing their long-term goals. Outside of his professional work, William engages in activities such as adventure sports, boating, fishing, golfing, horseback riding, reading, scuba diving, skiing, spending time with his family, and woodworking.

Reynolds Whatley is a financial advisor at Stifel with 47 years of industry experience. He holds a Series 63 designation and has been with Stifel since 2015. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, 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.

Thomas Hart is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial goals and develop strategies tailored to their individual needs. His areas of focus include family wealth management strategies, portfolio management services, and retirement income planning. Thomas holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of Alabama System. In his role, he provides guidance on general investing, retirement planning, and managing unexpected financial events. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of work, Thomas enjoys football, golfing, skiing, and spending time with his family.

Jay Higgenbotham is a Senior Financial Advisor at Merrill Lynch Wealth Management in Birmingham, Alabama. He has over 40 years of experience assisting individuals, families, closely-held businesses, and corporations in navigating and achieving their financial goals. Jay focuses on comprehensive wealth management strategies including portfolio development, estate planning, family legacy planning, philanthropic planning, and pre- and post-transaction advice. He emphasizes a consultative and goals-based approach, working closely with clients to understand their financial situations and objectives before developing customized strategies. Jay holds a Bachelor's degree in Finance and Accounting and a Master's degree in Public and Private Management, both from Birmingham-Southern College. He has earned multiple professional designations including Certified Private Wealth Advisor (CPWA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Birmingham with his wife Dawn, Jay has two adult children. He is active in his community through St. Luke's Episcopal Church, where he has served on the Vestry and participated in various ministries. His personal interests include tennis, golf, fishing, boating, football, music, skiing, traveling, and spending time with his family.

Austin Turnbow is a Series 66 licensed advisor at Cetera with 27 years of industry experience. He has worked with Cetera and Cetera Investment Services LLC since 2013 and 2015 respectively, and has also been associated with Regions Bank since 1998. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base that includes individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and a multi-manager platform featuring affiliated and third-party strategies.

Chad Richey is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving a diverse clientele that includes business owners, healthcare professionals, attorneys, retired military executives, and multi-generational families across Alabama and other states. He also holds the position of Senior Resident Director of the Birmingham South Merrill office, where he supervises and coaches 27 financial advisors. Chad's approach centers on mitigating investment risk and tailoring wealth management strategies to clients' unique circumstances and family dynamics. He has experience managing client wealth through significant market volatility including the years 2001, 2008, and 2020. He often incorporates alternative investments such as private equity, real estate, hedge funds, and private debt to address market volatility. His expertise extends to family wealth management strategies, investment consulting for defined contribution plans, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. Chad holds a Bachelor's degree in Business with a concentration in Finance from Birmingham-Southern College. He carries the CERTIFIED FINANCIAL PLANNER® certification, the Certified Plan Fiduciary Advisor® (CPFA®) designation, as well as credentials as a Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC). He is a member of the professional organization Vistage. Chad enjoys cooking, fishing, football, genealogy, hunting, spending time with his family, watching movies, and practicing yoga.

Kimberly Mc Queen is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 66 credential and 26 years of industry experience. She has been with Morgan Stanley since 2009 and has served at Morgan Stanley Private Bank, National Association since 2017. Outside of her advisory work, she is an independent contractor for Willow House Jewelry by Sara Blaine. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, emphasizing tailored financial planning and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and incorporates quantitative tools like Monte Carlo simulations in its planning approach.

Caroline Guy is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. She is currently based in Birmingham, AL. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations as part of its advisory process.

Gregory Powell is a financial advisor with LPL Financial in Birmingham, AL, holding Series 63 and Series 65 licenses and over 41 years of industry experience. He has been with LPL Financial since 2005. Powell serves on several nonprofit boards, including the National Federation of Independent Business and Aldridge Gardens, and is involved in developing educational materials for the financial services industry through his ownership of FiSmart, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing research and model portfolios from both internal and third-party sources.

Adam Setas is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch for over ten years and previously worked in the financial services industry as a junior bank analyst at Sterne, Agee and Leach, Inc., focusing on small- to mid-cap banks primarily in the Southeastern United States. Adam is committed to the principles upon which Merrill was founded, including client focus, respect for the individual, teamwork, responsible citizenship, and integrity. Adam specializes in creating and managing personalized investment solutions tailored to individuals, families, and businesses, considering factors such as risk tolerance, time horizon, liquidity needs, and overall goals. He is a Senior Portfolio Advisor qualified to manage custom investment strategies and offer clients access to Merrill model portfolios and third-party strategies. Additionally, Adam leads the team's Institutional Corporate Retirement segment and holds the Retirement Benefit Consultant (RBC) designation within Merrill's defined contribution designation program. Adam earned his bachelor's degree in Finance from the University of Alabama and was a member of the Culverhouse Investment Management Group. He is an active member of organizations including the Monday Morning Quarterback Club, the American Hellenic Educational Progressive Association (AHEPA), the Red Elephant Club of Birmingham, and Nick's Kids Foundation. Adam previously served on the inaugural Junior Board of Directors for the Birmingham Education Foundation. He resides in Mountain Brook, Alabama, with his wife Kristen, their son James, and their two dogs.

Hazel Barbee is a financial advisor at Merrill with 11 years of industry experience. She holds the Series 66 designation and has been with Bank of America, N.A. and Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Evan Price is a financial advisor at Stifel in Birmingham, AL, holding a Series 66 designation with 16 years of industry experience. He has been with Stifel since 2015. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary methodology developed by its Investment Strategy Group to provide investment analysis and allocation guidance.

Peter Giangrosso is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2013 and is also a high school administrator with Hoover City Schools. In addition to advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program utilizing model-delivery strategies managed by unaffiliated asset managers and supported by third-party custodians and trade execution services.

Caroline Fuerniss is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its affiliated Private Bank since 2013 and 2015, respectively, in Birmingham, Alabama. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analytical models.

Jeremy Duck is a financial advisor with Stifel in Birmingham, AL, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2014. Stifel serves a wide range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group, supporting client decision-making with episodic, fee-based financial planning.

Theodore Schaefer is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. His work history includes previous roles at Wells Fargo Clearing and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies across a broad client base that includes individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America’s corporate platform allows access to a wide range of products and services.

Laci Graul is a financial advisor at Edward Jones in Birmingham, AL, holding the Series 66 designation with six years of industry experience. Prior to joining Edward Jones, Graul worked at Jacksonville State University and the Walker County Circuit Clerk's Office. Outside of advising, Graul assists with marketing, social media management, and website design for a local party equipment rental business. Edward Jones is a full-service wealth management firm serving over four million clients, including both individual and institutional investors. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Harold Henderson is a CFP® and holds a Series 66 license, with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent nine years at UBS Financial Services Inc. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Farrar is a CFP® and ChFC® with 42 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at Lincoln Financial Advisors, General American Insurance, and Lion Street, among others. Farrar also engages in several business activities including serving as a producer and part owner of an insurance marketing firm and working with employee benefits companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures.