Lloyd Naes is a financial advisor at Cetera with 28 years of industry experience. He holds the CFP® and ChFC® designations and has served in various roles at Cetera and related firms since 2013. In addition to his advisory work, he operates a CPA tax consulting and compliance practice under Lloyd Naes and Company, CPA's LLC, which he has managed since 1987. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a large nationwide network of advisors and employs a multi-manager platform with diverse program options and custodial relationships.

Thomas Whitmire is a financial advisor at Edward Jones in St. Louis, MO, holding a Series 66 designation with 12 years of industry experience. His work history includes roles at Wells Fargo Advisors and Wells Fargo Clearing Services before joining Edward Jones. Edward Jones is a full-service wealth management firm serving both individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Krystal Price is a CFP®-certified financial advisor with Edward Jones in St. Louis, MO, and has 18 years of industry experience. She has worked with Edward Jones for 19 years since 2007. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branches. The firm provides both discretionary and non-discretionary strategies, including tax-efficient services and proprietary investment options, operating under a fiduciary standard.

Brian Slay is a financial advisor with Primerica Advisors in St. Louis, MO, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Financial Inc. and Primerica Advisors since 2024 and has a background with Maxcess / Rotometrics starting in 2013. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm manages third-party asset managers and employs a tiered wrap-fee structure, focusing on curated model portfolios rather than institutional or pension plan management.

Sara Beste is a financial advisor at Edward Jones with 15 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2006. Based in St. Louis, MO, she is part of a large national network of advisors at the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of investment strategies and affiliated products under a fiduciary standard.

Kyle Prewitt is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. He served in the United States Air Force for 20 years before joining Edward Jones in 2022. Outside of advising, he is a co-owner of Urban Fort Play, a children's retail and play space in St. Louis. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment and advisory services. The firm manages approximately $1.01 trillion in assets and maintains a large network of financial advisors and branch offices nationwide.

Christopher Bentler is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to that, he was with Morgan Stanley and Morgan Stanley Private Bank, National Association from 2009 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Cathy Thompson is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. She has been with Edward Jones since 2019 and previously worked at The Boeing Company for 14 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Deric Mcspadden is a financial advisor at Edward Jones in St. Louis, MO, holding CFP®, CFA®, and Series 66 credentials with 14 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Kristen Steffens is a CFP® and CFA® charterholder with 13 years of industry experience. She has been with Edward Jones in St. Louis, MO, since 2016. Outside of her advisory role, she serves as an assistant troop leader for the Girl Scouts of Eastern Missouri. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operates under a fiduciary standard, and maintains a large national network of financial advisors and branch offices.

Mandy Johnson is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2014. Outside of her advisory role, she has engaged in retail consulting as a Mary Kay beauty consultant. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment strategies. The firm manages over $1 trillion in assets through a nationwide network of more than 23,700 advisors and emphasizes fiduciary standards in its services.

Karen Fishwild is a financial advisor with Edward Jones in St. Louis, MO, holding Series 63 and Series 66 designations and bringing 21 years of industry experience. She has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Heath Cato is a financial advisor at Edward Jones in St. Louis, MO, holding Series 63 and Series 66 licenses with 12 years of industry experience. He has previously worked at PNC Investments and Scottrade before joining Edward Jones in 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Timothy Thurman is a Series 66-credentialed financial advisor with Edward Jones, based in Ballwin, MO. He has 10 years of industry experience, including 12 years at Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Tracy Gravatt is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL Financial in 2023, she worked for Wells Fargo Advisors from 2012 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from multiple sources.

David Cintel is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 license and previously worked at Maryville University and Lindenwood University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,700 financial advisors.

Khristopher Stillman is a CFP® certificant with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Before joining Edward Jones, he worked at Verizon Wireless for five years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory strategies supported by a large nationwide network of financial advisors and branch offices.

Sarah Bauer is a financial advisor with Edward Jones in St. Louis, MO, holding a Series 66 designation and 14 years of industry experience. Her prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of investment strategies and affiliated financial services through a network of over 23,000 advisors nationwide.

Joseph Davies is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. He is based in Kirkwood, MO. Outside of his advisory role, Davies is a partner in a real estate business, Davies Real Estate, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Joseph Arndt III is a financial advisor at OSAIC with 40 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, INC and has been involved with Arndt and Associates since 1989. He serves as trustee for a family foundation that provides funding to local organizations. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and risk-assessment methods to construct portfolios across various investment types, accommodating both discretionary and non-discretionary management.