Robert Howard is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been in financial services since graduating from the University of Georgia and represents the fifth generation of his family involved in the financial services industry. Robert focuses on providing goals-based wealth management by assisting clients with asset management, planning needs, and lending solutions through Bank of America. His expertise includes family wealth management strategies, legacy planning, and personal retirement planning. Robert holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment (SE). Robert is involved in multiple professional and community organizations. He has served as a past board member of Hancock Day School and Leadership Savannah, is a past president of the Savannah Estate Planning Council and the Men's Club of St. John's Church, and serves on the Board of Trustees for the St. Joseph's/Candler Foundation. Additionally, he is active in the Boy Scouts of America as a Troop 57 Committee Leader. Outside of work, Robert enjoys boating, golfing, hiking, reading, running, skiing, tennis, traveling, and spending time with his family.

James Guzman is a financial advisor with J.P. Morgan Securities in Savannah, GA, holding Series 63 and Series 66 licenses and over 16 years of industry experience. He has worked with J.P. Morgan since 2013 in various roles. Outside of his advisory duties, he is also involved in a rental property business through Brookfield Rentals LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, manager selection, and customized reporting through its Institutional Consulting Services program. The firm employs a quantitative and ESG-inclusive process and has unique regulatory registrations that allow access to a broad array of investment products.

Lloyd Childs is a Series 66-licensed financial advisor with Morgan Stanley in Savannah, GA, with five years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2020 and was previously employed by the Fulton County School System from 2014 to 2020. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and scenario modeling.

William Hannan is a financial advisor with Wells Fargo Clearing in Savannah, GA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Outside of his advisory role, he is connected to a local business, Two Smart Cookies Acquisition Group, where he assists with non-investment-related duties. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Morgan Carter is a financial advisor with Wells Fargo Clearing in Savannah, GA, holding a Series 66 designation and six years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked with Junior Achievement of Georgia for one year. 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 offers a range of brokerage and advisory solutions supported by research and analytics.

Kerri Kanoy is a financial advisor with Wells Fargo Clearing in Savannah, GA, holding a Series 66 designation and 23 years of industry experience. She has been with Wells Fargo since 2016. Outside of her advisory role, she serves as the administrator for her father’s estate. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm utilizes research from Wells Fargo Investment Institute and third-party sources, offering both brokerage and advisory solutions to support investor needs.

Alex Wren is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2018 and previously spent two years at UBS Financial Services Inc. 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 offers both brokerage and advisory solutions and manages approximately $671 billion in assets across more than 14,000 financial advisors.

Thomas White IV is a financial advisor with Morgan Stanley in Savannah, GA, holding a Series 63 designation and 31 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Sharon Coursey is a financial advisor with Morgan Stanley in Savannah, GA, holding Series 63 and Series 66 credentials and 39 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2002. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Aaron Monegan is a financial advisor with Primerica Advisors in Savannah, GA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions at PFS Investments Inc. and Perspecta Inc. He also engages in sales of loan products and home-related services through affiliated companies. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and supports a range of investment approaches.

John Powell is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jason Ford is a financial advisor with Wells Fargo Clearing based in Savannah, GA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Ford is involved in several real estate ventures and owns a restaurant in Savannah. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach is grounded in modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

William Lynch is a financial advisor with Equitable Advisors in Savannah, GA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors since 2014, having previously worked at AXA Advisors. Lynch serves on the Savannah Yacht Club Board of Stewards as Youth Committee Chair, organizing youth activities and advising on club policies. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels to clients.

Jennifer Grayson is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has over 20 years of financial experience, including managing and approving budgets for construction loans at SunTrust Bank and working with clients on insurance needs at State Farm prior to joining Merrill Lynch in 2009. Jennifer holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor® (CPFA) designation from the National Association of Plan Advisors (NAPA). She graduated from Georgia Southern University with a Bachelor's degree in Business and Finance. Her approach focuses on helping clients develop personalized financial strategies by identifying and prioritizing their needs and objectives, while seeking missing elements to strengthen their overall wealth. A native of Savannah, Jennifer supports local organizations such as the Savannah Junior League and Junior Achievement. She and her family attend St. James Church, where she volunteers regularly. In her personal time, Jennifer enjoys playing tennis, boating, photography, running, traveling, and spending time with her family.

Megan Johnson is a financial advisor with Raymond James & Associates, holding a Series 66 credential and six years of industry experience. Before joining Raymond James in 2019, she worked at Gulfstream Aerospace from 2015 to 2019. Outside her advisory role, she assists with managing rental income and expenses for a family-owned property in Savannah, GA. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers financial planning and consulting services through tailored, non-discretionary strategies supported by comprehensive research and a broad affiliate network.

Barry Crocker is a financial advisor with Edward Jones in Richmond Hill, GA, holding Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Edward Jones in 2024, he worked for PFS Investments Inc./Primerica Financial Services for nine years. Outside of his advisory role, he serves as president of an IT-related company, BLC International Inc. DBA Cyntechs, and is approved to teach academic courses and insurance/investment license prep classes on a part-time basis. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and maintaining a large national network of advisors and branch offices.

Momodou Senghore is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to his advisory role, he held various positions including work at UPS-Coyote and teaching engagements at the College of Coastal Georgia and South Georgia State College. Outside of finance, he has experience working as an extra in movies and TV shows. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with a nationwide network of over 23,000 advisors. The firm offers a range of investment strategies and advisory services, including discretionary and non-discretionary managed solutions, SMAs, and affiliated mutual funds, operating under a fiduciary standard.

Ronald Aspinwall is a financial advisor with Wells Fargo Clearing in Savannah, GA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 services grounded in modern portfolio theory. The firm’s process is IPS-driven and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisors.

John Walsh IV is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has been with both Merrill and Bank of America, N.A. since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brian Coulter is the Senior Resident Director and a Portfolio Manager at Merrill Lynch Wealth Management. He began his financial services career at Morgan Stanley in 2000 before moving to Banc of America Investment Services as a financial advisor in 2003. In 2008, he transitioned to Merrill Lynch following its acquisition by Bank of America, N.A. In his current role, Brian leads the Merrill Lynch Wealth Management Skidaway Island office and works with clients and other advisors to provide consistent care and financial guidance. Brian is a former Captain in the U.S. Army and holds a Bachelor's degree from Western Kentucky University. He is a Personal Investment Advisor (PIA) and a member of the Sigma Chi fraternity. His client focus includes college education planning, divorce transition planning, employee benefits planning, liquidity management, managing new wealth, retirement planning, and portfolio management services. Outside of his professional work, Brian is active in the community through his involvement with The Josh Reddick Foundation and Team Bank of America. His personal interests include baseball, basketball, bowling, football, golf, and spending time with his family in Savannah.