Joel Foster is a financial advisor with Raymond James & Associates in Atlanta, GA, holding a Series 66 designation and bringing 23 years of industry experience. He has been with Raymond James & Associates since 2012. Foster serves as a director on the Financial Risk Management committee of the Georgia Bankers Association, where he helps plan annual conferences. 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, pension plans, and charitable organizations, offering a range of financial planning and consulting services with a non-discretionary approach tailored through detailed fact-finding and risk profiling.

Maurice Wiggs is a financial advisor at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Truist Investment Services, PNC Bank, and SunTrust Bank. Maurice is based in Atlanta, GA. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering its program on a non-discretionary basis.

Quiana Jackson is a financial advisor at Morgan Stanley in Atlanta, GA, holding the Series 66 designation with five years of industry experience. Her prior roles include positions at Wells Fargo Clearing Services and Wells Fargo Bank. Outside of her advisory work, she is the author of a book titled *Black Economics The Financial Journey and Activity Plan to Holistic Health* and is involved with the National Coalition of 100 Black Women Metro Atlanta Chapter and local public school committees. Morgan Stanley Wealth Management is an SEC-registered advisory and broker-dealer firm that provides tailored financial planning and investment services to both individual and institutional clients. The firm employs a structured planning process incorporating firm-approved tools and comprehensive investment analyses.

Sandeep Sood is a financial advisor with Wells Fargo Clearing in Atlanta, GA, holding CFP® and securities licenses Series 66, 65, and 63, and has 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Additionally, he serves as a conservator and guardian assisting a family member. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory services, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory in its investment evaluations.

Daniel Kolber is a financial advisor at Intellivest Securities, Inc. with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has operated the Law Office of Daniel H. Kolber, P.C. since 2010. In addition to his advisory role, he owns Intellivest Securities Research, Inc., which produces securities research. Intellivest Securities, Inc. provides investment advice and research services covering publicly traded equities and private placements. The firm offers subscription-based research, analytical tools, and consulting engagements, utilizing a blend of fundamental, technical, and charting analysis in its investment approach.

John Stoj is a financial advisor at XYPN Sapphire with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Verbatim Financial LLC and Transamerica Financial Advisors. He is a one-third partner in Flat Fee Advisors (dot) Org, a flat fee advisor directory. XYPN Sapphire provides investment management and financial planning services to individuals, trusts, estates, business entities, and retirement plans. The firm employs a long-term, risk-based allocation strategy informed by Modern Portfolio Theory and supports a network of nearly 50 affiliated advisors through centralized back-office and compliance services.