William Waits is a financial advisor at RBC Capital Markets with 46 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining RBC in 2024, he worked at B. Riley Wealth Advisors, Inc. and B. Riley Wealth Management, where he spent a combined 21 years. RBC Wealth Management serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers tailored advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Jennifer Quirk is a financial advisor at Cetera with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at First Advisors Capital Inc and Concourse Financial Group Securities Inc. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Reed Hicks is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and two years of industry experience. His career includes positions at First Horizon Bank, Insperex LLC, and Raymond James. 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, model portfolio programs, and institutional platforms, utilizing multiple investment strategies and technology tools.

Jeremy Pace is a financial advisor with Wells Fargo Clearing in Daphne, AL, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC and Wachovia Bank, N.A. Outside of his advisory role, Pace owns Accurain Irrigation, LLC, a non-investment business based in Mobile, AL. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering a range of advisory and discretionary options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Jason Kozon is a financial advisor at Edward Jones with 28 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses and has been with Edward D. Jones & Co., L.P. since 1997. 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 and offers a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

J. Bailey Stitt is a Wealth Management Advisor and partner with Harris, O'Neill, Stitt & Associates in Fairhope, Alabama. As a CERTIFIED FINANCIAL PLANNER™ professional, she works with individuals, families, and business owners to provide customized financial strategies that align with clients' goals, values, and priorities. Bailey specializes in areas such as investment management, retirement planning, estate and wealth transfer strategies, cash flow planning, education funding, charitable giving, and business planning, coordinating closely with attorneys, CPAs, and other professionals to simplify complex financial decisions. Bailey's practice focuses on building lasting, multigenerational relationships by helping clients navigate financial opportunities and transitions while preparing future generations to carry forward their family values. She emphasizes a holistic, multi-disciplinary approach that includes retirement income planning, tax minimization, portfolio management, and legacy planning, among others. Bailey is also a Personal Investment Advisor (PIA) and holds a Bachelor's Degree from the University of South Alabama. In addition to her professional work, Bailey is involved in the community through roles such as serving on the Boards of Impact 100 Baldwin County and the South Baldwin Chamber of Commerce. She is also engaged with organizations including Art for Heart, Pleasure Island Junior Women's Club, and Workforce Housing Alliance. Outside of work, she enjoys tennis, reading, traveling, boating, and spending time with her husband, Adam, their son Brooks, and their dog, Sadie.

Paul Matlock is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with earlier roles at Citigroup Global Markets and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing a structured planning process supported by firm-approved tools and market outlook models.

Kristen Hall is a financial advisor at Morgan Stanley with a Series 66 designation and five years of industry experience. She previously worked at Merrill Lynch from 2014 to 2017 before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and utilizes structured financial planning tools, managing approximately $2.74 trillion in client assets.

Brett Laferrera is a financial advisor with Mass Mutual Investors Services, holding Series 63, 65, and 66 licenses and over 31 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has prior experience at MetLife Securities Inc. Outside of his advisory role, he owns and operates Crimson Capital Group, an insurance brokerage focused on property and casualty as well as specialized coverages such as aircraft insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, utilizing firm-approved tools to develop collaborative, annual financial planning relationships.

Philippe Trouillot is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. His prior roles include positions at Wells Fargo Advisors and various Cetera entities. He serves on the board of Mulherin Home, attending quarterly meetings. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large nationwide network of independent advisors and operates a multi-manager platform with diverse investment program options.

Sarah Unfried is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 license and has worked at Morgan Stanley Private Bank, N.A. since 2018. Outside of her advisory role, she serves as a board member for the Alabama Free Clinic, a medical and community organization. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and supports both direct individual relationships and corporate financial planning agreements.

Carla Stewart is a financial advisor at Edward Jones with 26 years of industry experience. She holds the Series 63 designation and has been with Edward Jones since 2000. Based in Spanish Fort, AL, her career has been focused entirely at Edward Jones. 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 strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Robert Chambers is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Raymond James since 2015. Outside of his advisory role, Chambers is the owner and president of RSC Capital Inc., a support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Will Callahan is a financial advisor with OSAIC who holds Series 63 and Series 65 designations and has 16 years of industry experience. He has worked at SagePoint Financial since 2010 and currently operates Callahan Financial Solutions, where he provides fixed and traditional insurance product evaluations including term life, universal life, whole life, and fixed annuities. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm uses firm-provided tools and multiple platforms to construct diversified portfolios tailored to client risk tolerance and investment restrictions.

David Williams is a financial advisor with Raymond James & Associates in Fairhope, AL, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Raymond James & Associates since 2014 and also serves in the U.S. Marine Corps Reserve since 1987. Outside of his advisory role, he is involved in agricultural activities through an investment in Rosewood Plantation. 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 financial planning, consulting, and municipal advisory services supported by a nationwide adviser network.

Deborah Dickinson is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. Her career includes roles at Charles Schwab & Co., Inc., Fidelity Investments, Morgan Stanley, and Hilton Worldwide. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory with access to discretionary separately managed accounts and alternative investments.

Jarrett King is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. Prior to his current role, he worked for Canadian National Railroad for 12 years. He serves as treasurer and board member of the Saint Louis Lofts Association Inc., coordinating building financials with the property management company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager solutions and educational seminars.

Amanda Montz is a CFP® professional with 22 years of industry experience, currently advising at Raymond James Financial Services Advisors, Inc. She has held roles at BBVA Wealth Solutions, PNC Investments, and Compass Bank. Montz serves as treasurer and finance committee member for St. James Episcopal Church in Fairhope, AL. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary consulting supported by analytical tools and a broad advisor network, with specialized programs including municipal advisory services and SIMPLE IRA employer consulting.

Thomas Smith is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial industry. He has been working at the Fairhope, Alabama office since 2004 and holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise encompass retirement planning strategies for individuals and businesses, divorce transition planning, employee benefits planning, executive compensation, family wealth management strategies, institutional and corporate benefit services, institutional consulting, defined benefit and defined contribution plan investment consulting, and personal retirement planning. Thomas follows a disciplined process, beginning with understanding each client's needs, concerns, and priorities to create personalized financial strategies. Thomas holds a Bachelor's Degree from Auburn University and earned his CIMA certification through the Investments & Wealth Institute in conjunction with the University of Chicago Booth School of Business. He resides in Fairhope, Alabama, with his wife Anne and their three sons: Walker, Evans, and Tipton.

Christina Minter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.