Earl Falkner Jr. is a financial advisor at Cetera with 49 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with Securities Service Network, Inc. and managed his own firm, Falkner Financial Advisors. He is also active as an insurance agent, selling life, health, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting discretionary and non-discretionary accounts across various program structures.

Hilary Barnett is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and previously worked at Merrill for 14 years before joining Wells Fargo in 2018. Outside of her advisory role, she is an independent senior consultant for Mary Kay, selling makeup on a limited basis. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach 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.

Michael Haughery is a financial advisor with Charles Schwab, holding CFP® and Series 63 credentials and bringing 34 years of industry experience. He has worked at Charles Schwab since 1992 and at Charles Schwab Bank since 2005. Outside of his advisory role, he serves as president of the Vestavia Hills Men's & Women's Golf 19th Hole Club, which supports the golf programs at Vestavia Hills High School. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm offers a blend of non-discretionary advisory services and access to discretionary model portfolios, supported by a multi-asset allocation approach and centralized operational infrastructure.

David Lyon is a financial advisor with Mass Mutual Investors Services in Birmingham, AL, holding the ChFC® designation and Series 63 license. He has 38 years of industry experience, all with Mass Mutual and its affiliated companies. Lyon serves as a board member of To Preach the Gospel, Inc., an organization that distributes funds to support spiritual causes. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved software to analyze goals and deliver recommendations.

Tom Brown III is a financial advisor with Morgan Stanley in Birmingham, AL, holding a Series 66 designation and 13 years of industry experience. He previously worked at Stifel from 2015 to 2019 before joining Morgan Stanley in 2019. Outside of his advisory role, he serves on the advisory board for Rudolph Companies, a real estate business. Morgan Stanley Wealth Management provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Franklin Homberg is a CFP® professional with 34 years of experience, currently affiliated with Raymond James & Associates since 2013. He holds Series 63 and Series 65 licenses and is based in Birmingham, AL. 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, institutional clients, and charitable organizations, offering tailored financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Liucija Smaizyte Wright is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Wright serves on the boards of several nonprofit organizations, including The GirlSpring, Alabama Economics Club, and Alabama Women in Business, where she is currently president. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, supported by research from its Global Investment Committee.

James Woodruff III is a CFP® with 19 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and has previously worked at Raymond James Financial Services and Longbow Capital Partners. Woodruff is also the owner of Jamestown Wealth, a separate business operation. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm utilizes a network of independent financial professionals and provides both proprietary and third-party model strategies across various platform arrangements.

William Hartsfield is a financial advisor with Cambridge Investment Research Advisors in Birmingham, AL, holding a Series 65 credential and over 45 years of industry experience. His prior work includes nearly two decades with Concourse Financial Group Securities (ProEquities) and operating under his own business name since 1975. He also serves as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and custodial arrangements tailored to client objectives.

Katherine Heath is a financial advisor with Morgan Stanley in Birmingham, AL, holding the Series 66 designation and eight years of industry experience. She has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Prior to her advisory career, she spent 15 years as a homemaker. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets through structured planning processes supported by firm-approved tools.

Russell Jordan is a CFP® with 32 years of industry experience, currently affiliated with LPL Financial since 2012. He has also been associated with America’s First FCU since 2004. His activities include operating under the DBA America’s First Financial. 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 variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, managing over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Michael Sheehan is a CFP®-designated financial advisor with 30 years of industry experience, currently affiliated with LPL Financial. He has held prior roles at Ameriprise Financial Services and MSI Financial Services. Outside of his advisory work, he is also active as a musician. 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 and access to third-party asset management and retirement advice platforms.

Stephen Agricola is a CFP® and Series 66 licensed financial advisor with 18 years of industry experience. He has worked at Stifel since 2023 and spent the previous 10 years at Raymond James & Associates. He is based in Birmingham, AL. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services such as fee-based financial planning and wrap programs. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Ethan Booth is a Series 66-licensed financial advisor with four years of industry experience, currently with Cetera in Birmingham, AL. His prior work includes roles at Regions Bank and Bass Pro Shops, as well as time at Huntingdon College. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors, offering a range of portfolio management, financial planning, and consulting services. The firm operates a multi-manager platform with access to affiliated and third-party managers and oversees more than $256 billion in assets.

Katherine Starr is a financial advisor at Stifel with 12 years of industry experience and holds the Series 66 designation. She has been with Stifel since 2015. Stifel serves a broad range of clients, including individuals, institutions, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group, supporting asset allocation and financial planning analyses.

Trent Howard is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and also has been involved with Birmingham Investment Group in a non-investment related advisory capacity. Prior to his current role, he spent several years associated with Clemson University and Briarwood Christian Upper School. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm offers tailored, non-discretionary investment consulting using analytical tools and supports a broad advisor network with a range of advisory programs.

William Bright is a financial advisor at Wells Fargo Clearing in Birmingham, AL, holding Series 63 and Series 65 licenses. He began his career with Wells Fargo in 2026 and has prior experience in the hospitality industry and education. 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 provides a range of brokerage and advisory solutions.

Leonard Skelton Jr. is a financial advisor at Raymond James & Associates with 44 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Raymond James since 2013. Outside of his advisory role, he serves as Treasurer and a member of the Finance Committee for the Episcopal Church of the Ascension. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored financial planning and consulting services with a range of portfolio management styles, and it is notable for providing municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Albert Hecht is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, and Banc One Securities Corporation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm employs research and analytics to evaluate investment options, offering both brokerage and advisory solutions supported by a large network of over 14,000 advisors.

William Doughty Jr. is a financial advisor with LPL Financial in Birmingham, AL, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Woodbury Financial Services and operates Doughty Home Inspections LLC, a business active since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary research and third-party strategies delivered through a large network of advisors.