Matthew Saia is a financial advisor at Raymond James Financial in Birmingham, Alabama, holding a Series 66 designation with one year of industry experience. His background includes roles at Birmingham Investment Group and involvement with Auburn University and the Onward Campus Ministry. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs risk profiling and analytical tools within a non-discretionary advisory model and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Robin Owens is a financial advisor with Cetera, holding a Series 66 license and over 23 years of industry experience. He has been with Cetera and its affiliated entities since 2024, following prior roles at Avantax Advisory Services and 1ST Global Capital Corp. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and services delivered through a large nationwide network of independent advisors.

Kenneth Price is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in financial coaching for high-performing individuals such as athletes, sales professionals, and business owners. He employs a disciplined and personalized approach to wealth management, focusing on areas including corporate benefits, executive compensation, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and tax minimization. Ken emphasizes a 360-degree view of clients' financial lives to develop customized plans aligned with their goals and values. Ken brings extensive experience to his role, having joined Merrill Lynch in 2006 following his tenure at Morgan Stanley. He is a former U.S. Marine with four years of active duty, where he developed skills in anticipating and planning for the unexpected. This experience informs his proactive and adaptable approach to helping clients navigate financial challenges. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He holds a Bachelor's degree from Tusculum College and an MBA from the University of Alabama at Birmingham. Ken is involved in community support efforts through various nonprofits, including organizations focused on cancer awareness and family support. Outside of work, he enjoys biking, fishing, golfing, reading, and spending time with his wife Stephanie and their two sons.

John Howard is a financial advisor with Raymond James & Associates in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked with Escape Zone LLC from 2016 to 2019. Howard serves as Treasurer and board officer for Village Press, Inc., where he participates in major business decisions in an oversight capacity without compensation. 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 municipalities, offering tailored financial planning and consulting services primarily through non-discretionary advisory relationships.

Patrick Morgan is a financial advisor with Morgan Stanley in Birmingham, Alabama, holding a Series 66 license and bringing 25 years of industry experience. He has worked with Morgan Stanley and its Private Bank since 2009 and 2015, respectively. Morgan serves on the board of the 1st and Ten Club of Alabama, a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Cassi Martinez is a financial advisor with Ameriprise in Vestavia, AL, holding a Series 66 designation and having 10 years of industry experience. She has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a range of advisory, brokerage, and insurance solutions through affiliated entities.

Zachary Turnage is a financial advisor at Morgan Stanley in Birmingham, AL, holding Series 65 and Series 66 licenses with six years of industry experience. He previously worked at Harbert Management Corporation for 14 years before joining Morgan Stanley Private Bank and Morgan Stanley in 2021. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and analytical tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Warren Kirby is a CFP® professional with 29 years of industry experience, currently affiliated with Wells Fargo Advisors. His prior experience includes roles at Wells Fargo Clearing, Bank of America, and Merrill. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria.

John Pounds III is a financial advisor with Wells Fargo Clearing in Birmingham, AL, holding Series 63 and Series 66 licenses and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016, including a prior role with Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and provides both brokerage and advisory solutions.

William Anthony is a financial advisor with Raymond James & Associates in Birmingham, AL, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Raymond James & Associates since 2013. Anthony serves as Treasurer and board member of the Ronald McDonald House Charities of Alabama and participates on its Finance Committee. 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, offering financial planning, advisory programs, and consulting with a range of portfolio management styles supported by affiliated research.

Susan Rapier is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Allan Mcclure is a financial advisor at Ameriprise with 13 years of industry experience. He holds the CFP®, CFA®, and Series 66 credentials and previously worked at Synovus Securities, Inc. for 11 years before joining Ameriprise. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports and offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Grace Hardison is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo Clearing, she spent ten years at Ernst & Young. She maintains an active CPA license in Birmingham, AL, which she holds for continuing education purposes. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of investment advisory solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Charles Carlton is a CFP® professional with 40 years of experience in the financial industry. He is currently with LPL Financial and has previously worked at SSN Advisory, Securities Service Network, Gambrell Financial Advisors, and North Ala United Methodist Foundation. Carlton is also a notary public in Jefferson County, Alabama. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by extensive research and operational tools.

Mary Wynne Estes is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill since 2011, bringing over 35 years of experience in the financial services industry. Mary Wynne started her career in 1989 as an Annuity and Mutual Fund Coordinator at AmSouth Investment Services, later moving into institutional investment sales and continuing her career through mergers until joining Merrill. Mary Wynne's expertise includes managing discretionary custom investment strategies, as well as working with a range of Merrill model portfolios and third-party investment strategies. She serves various clients such as individuals, corporations, trusts, municipalities, and financial institutions, focusing on areas like family wealth management, legacy planning, managing new wealth, personal retirement planning, and philanthropic planning. She holds a bachelor's degree from Auburn University and a high school diploma from Vestavia Hills High School. Outside of work, Mary Wynne enjoys hiking, spending time with her family, and traveling.

James Owens III is a financial advisor with Raymond James & Associates in Birmingham, AL, holding a Series 63 designation and 38 years of industry experience. He has been with Raymond James & Associates since 2012. 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 broad client base including individuals, institutional and pension plans, and charitable and government entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Riess is a financial advisor at UBS Financial Services in Birmingham, AL, with eight years of industry experience. He holds a Series 66 license and has been with UBS since 2018. Riess serves on the board of Millennial Spirits of Nola, a charity focused on raising awareness and funds for organizations in the Greater New Orleans area, and acts as treasurer for the Oakridge Neighborhood Association. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management and offers a range of products including discretionary portfolio management and alternative investments.

Rachel Reynolds is a financial advisor with Edward Jones in Homewood, Alabama, holding a Series 66 designation and 12 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of investment advisory programs and services supported by a large network of financial advisors and branch offices nationwide.

James Dixon III is a financial advisor with Stifel in Birmingham, AL, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Stifel since 2015. Outside of his advisory role, Dixon serves as a board member for the Carriage Place Condominium Owners Association, a nonprofit homeowners association. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach includes proprietary capital market modeling developed by its Investment Strategy Group, which supports asset allocation and financial planning analyses.

Benjamin Henderson is a financial advisor with OSAIC based in Birmingham, AL, and holds a Series 63 designation. He has 39 years of industry experience, including 31 years at Lincoln Financial Advisors Corporation prior to joining OSAIC in 2025. Outside of his advisory role, Henderson acts as an insurance agent offering various insurance products including medical, health, disability, long-term care, and life insurance. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that incorporate a range of investment vehicles.