Kyle Windham is a CFP® with eight years of industry experience, currently affiliated with Cetera. He has worked at Avantax Investment Services, Inc. and operates Windham Financial Group PC, which offers accounting services and tax preparation. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Darryl Wilson is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Cetera and its affiliates since 2025 and previously spent 15 years at Concourse Financial Group Securities Inc. In addition to his advisory work, he provides tax preparation services to select clients on a limited basis. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services across multiple program structures, featuring access to affiliated and third-party model portfolios and investment managers.

Stephen Iaconis is a financial advisor with LPL Financial in Birmingham, AL, holding CFP® and Series 66 credentials and having 25 years of industry experience. He previously worked at Level Four Advisory Services and Osaic FA, Inc. Outside of his advisory role, he is involved in distributing non-variable insurance products through several agencies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services supported by proprietary research, third-party asset management, and integrated non-advisory financial services.

Paul Bush is a financial advisor with Raymond James & Associates in Birmingham, AL, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His career includes prior roles at Bank of America, Merrill, BBVA Securities, and Compass Bank. 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 municipal entities, providing financial planning and advisory services with non-discretionary consulting based on detailed analyses and supported by firm research and a range of portfolio management options.

Raymond Skinner is a financial advisor with Cetera in Birmingham, AL, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has previously worked at Concourse Financial Group Securities and True Wealth Advisors, and currently serves as a co-member and private wealth manager at Provident Partners LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that offers portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm supports a multi-manager platform allowing advisors to implement various model portfolios and bespoke strategies with discretionary and non-discretionary options.

William Cummings is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 63 designation and 28 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley since 2019 and previously held roles at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and Compass Bank from 2004 to 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including Secular Return Estimates and Monte Carlo simulations, to develop tailored financial plans.

Rhett Whitley is a financial advisor at Primerica Advisors with over 30 years of industry experience. He holds Series 63 and Series 65 designations and has been with Primerica since 1994. Outside of his advisory role, he works as a public notary in Birmingham, AL. 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, focusing on percentage-based fees rather than fixed billing.

Pablo Miranda is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Wells Fargo Clearing and Regions Bank. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, 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 options spanning automated allocations to bespoke strategies.

Dylan Young is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he worked at Peachtree Planning and held various roles in event management, hospitality, and education. He serves as a Junior Board Member for Down Syndrome Alabama, where he contributes to event planning and awareness efforts. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment research while serving both retail and institutional clients.

Matthew Nichols is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he held roles at MML Investors Services, MassMutual Life Insurance Co, and worked in education at Keiser University, Delta State University, Shelton State Community College, and Prattville High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Hollis Gieger Jr. is a CFP® with 26 years of industry experience, currently advising at Morgan Stanley in Birmingham, AL. His work history includes roles at Morgan Stanley Private Bank, International Advisory Consultants Inc., and Brookline Investments, Inc. He is a passive investor in several biotechnology and technology ventures, including early-stage companies and low-income housing tax credit syndication. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and tools. The firm manages approximately $2.74 trillion in client assets and emphasizes structured, advisory-driven planning processes.

Barry Jeffery is a financial advisor at Cambridge Investment Research Advisors with 37 years of industry experience. He holds a Series 63 designation and has worked previously at Lincoln Investment and Capital Analysts, Incorporated. Outside of advising, he is an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using a variety of investment and platform solutions.

David Gilchrist Jr. is a financial advisor at Stifel with 29 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2013. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation, retirement, insurance, and estate planning analyses.

Steven White is a financial advisor with Cetera holding Series 63 and Series 66 credentials and 32 years of industry experience. His prior roles include positions at First Allied Advisory Services and First Allied Securities. He serves as a member of the Endowment Investment Committee for Vestavia Hills Baptist Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers, supporting both discretionary and non-discretionary account structures.

Lisa Gibbs is a financial advisor with Primerica Advisors in Hoover, AL, holding Series 63 and Series 65 credentials and 10 years of industry experience. Her background includes teaching and choreography roles at several educational and performing arts institutions, and she is the author of a business-related book. Outside of finance, she works with a Creole food truck as a server and independent contractor and serves as a choreographer and instructor for Magic City Performing Arts. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-driven strategies managed by third parties and offers a range of options supported by an overlay manager and custody services.

Edward Powell is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has built a career spanning over three decades in financial services, beginning his advisory work in 1988 after a career as an entrepreneur in the building materials distribution industry. Edward has spent his entire advisory career with Merrill, developing long-term relationships with clients, many of whom have remained with him since the start of his tenure. With over 36 years of experience at Merrill, Edward specializes in creating personalized financial strategies tailored to each client's risk tolerance, investment objectives, and time horizon. His approach emphasizes a disciplined process that involves getting to know clients and their families to deliver service aligned with their unique financial situations. Edward holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Auburn University. Edward and his wife Sarah live in Mountain Brook, Alabama. They spend much of their free time at Lake Martin with their five children and seven grandchildren.

Thomas Noon is a financial advisor with Thrivent Investment Management in Birmingham, AL, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management Inc. since 2002. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning on a range of topics, with planning and managed-account services available separately or combined under a consolidated billing option.

Coleman Richards is a financial advisor with Morgan Stanley in Birmingham, AL, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. His career includes roles at Morgan Stanley Private Bank, BBVA Wealth Solutions, and several BBVA-related entities from 2014 through the present. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Paul Lawrence is a financial advisor with Primerica Advisors in Hoover, Alabama. He holds Series 63 and Series 65 licenses and has five years of industry experience. Prior to his current role, he worked for Life Time for ten years. Outside of his advisory work, he serves as a class instructor at Country Club Birmingham. Primerica Advisors is a large firm managing approximately $15.5 billion in assets and serving individual, corporate, and charitable clients primarily through a wrap-fee asset management program. The firm offers model-based investment strategies supported by third-party managers and custodians.

Ulysses Myers II is a Senior Financial Advisor at Merrill Lynch Wealth Management, with a career beginning in 1992. He specializes in areas including college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. A graduate of Samford University, Ulysses holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His approach to wealth management emphasizes effective communication and listening to clients' evolving goals through different stages of life, considering priorities such as finances, work, family, health, and giving. Outside of his professional role, Ulysses has interests in fishing, golfing, table tennis, and traveling. He is also involved with Hunter Street Baptist Church.