Keith Foster is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 25 years of industry experience. Prior to joining Cetera in 2025, he spent 16 years with Concourse Financial Group Securities Inc. Foster is also the owner and instructor of a local gym where he offers workout classes. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a large network of independent advisors and serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through discretionary and non-discretionary program platforms, utilizing a multi-manager approach that includes affiliated and unaffiliated third-party managers.

Louis Cloud is a financial advisor with Morgan Stanley in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, providing financial planning and investment services supported by firm-approved tools and analytics. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

William Hopkins is a financial advisor at Cetera with four years of industry experience. He holds a Series 66 designation and has prior experience working with Regions Bank in wealth advisory and customer service roles. Cetera Investment Advisers LLC is an SEC-registered firm that serves 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 with access to various investment strategies and program structures.

Scott Pospisil is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 66 licenses. He has 23 years of industry experience, including prior roles at Regions Bank, Cetera, Fifth Third Securities, and Bank of America. 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 approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

John Malone is a financial advisor with Raymond James Financial in Birmingham, AL, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked at Morgan Stanley from 2009 to 2020 before joining Raymond James Financial Services Advisors, Inc. Malone serves as a trustee for the Malone Family Trust and is an owner and financial advisor at First Call Financial. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting supported by a range of advisory services and institutional solutions.

Christopher Davis is a financial advisor at Wells Fargo Advisors with three years of industry experience. He holds the Series 66 designation and previously worked for PNC Financial Services Group, Inc (formerly BBVA USA) for twelve years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and niche planning areas, using proprietary research and tools to develop tailored recommendations for clients.

Gates Smallwood is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Duncan Williams, Inc. from 2011 to 2018. Outside of advising, he owns and operates Smallwood Ceramics, a ceramics sales business. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets through a large network of advisors.

Edward Davis is a financial advisor with Cetera in Birmingham, AL, holding a Series 66 designation and beginning his career in 2025. Prior to joining Cetera, he worked at Coca-Cola Bottling Company United for nine years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Andrew Cundiff is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he serves on the Board of Trustees at Samford University. 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 investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Misty Mitchell is a financial advisor at Merrill with a Series 66 credential and five years of experience in the industry. Her prior work history includes roles at Sylvan Learning Center and First Community Bank of Central Alabama. 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 broad range of clients including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joshua Carnes is a financial advisor with Ameriprise in Helena, AL, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Ameriprise Financial Services Inc and then Ameriprise. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Logan Barnes is a Series 66-licensed financial advisor with Morgan Stanley in Birmingham, AL, with two years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at Progress Bank from 2021 to 2023 and has a background that includes a year at Forge Chiropractic and four years as a full-time student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

George Oller is a financial advisor with Morgan Stanley in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley since 2007, including roles at Morgan Stanley & Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank. Outside of his advisory work, he is involved with Training Consultants Inc., a training business he operates outside regular business hours. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools to support client goals, acting primarily in an advisory capacity.

Candace Thompson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include positions at Alabama State Employees Credit Union, PNC Bank, BBVA Securities, and Valley Bank. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Alexander Sarafianos is a financial advisor with Cetera in Birmingham, AL, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. He has been with Cetera and its related entities since 2013 and also maintains a role at Regions Bank since that time. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to third-party money managers and a range of portfolio management and financial planning services.

Kindle Rudolph is a financial advisor with Mass Mutual Investors Services in Birmingham, AL, holding Series 66 and Series 63 credentials and four years of industry experience. His prior work includes roles at MassMutual Life Insurance Company, Baker Donelson, and Jefferson State Community College. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative planning using firm-approved software and provides specialized services such as divorce planning and employer-sponsored programs.

David Malone is a financial advisor at Raymond James Financial Services Advisors, Inc. in Birmingham, AL, holding a Series 66 designation with 22 years of industry experience. He previously worked at Morgan Stanley from 2009 to 2020. Outside of advising, Malone is an owner of First Call Financial, a support company based in Birmingham. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by extensive firm research and a broad affiliate network.

Ron Opolka Jr. is a financial advisor with Mass Mutual Investors Services in Birmingham, AL, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked with Mass Mutual Investors Services since 1997 and with MassMutual Life Insurance Company since 1996. Outside of his advisory role, he assists individuals and businesses in securing various insurance benefits through multiple carriers. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, goal-based planning using firm-approved analytical tools and offers specialized event-driven planning services.

John Wilson Jr. is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 66 designation and 12 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he is involved in sports broadcasting as a football analyst for the University of Alabama and other Southeastern Conference games and is the owner of a restaurant business. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm emphasizes structured planning using approved tools and models, serving clients through various advisory and brokerage channels.

Jason Hatley is a financial advisor with LPL Financial in Birmingham, AL, holding Series 63 and Series 66 credentials and eight years of industry experience. Prior to joining LPL Financial in 2018, he worked at Northwestern Mutual and Surgical Care Affiliates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from multiple sources.