Margaret White is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has held positions at Bank of America, NBC Securities, and The Welch Group. Outside of finance, she has been involved with the Homewood Tennis Club and local schools in the Birmingham, AL area. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lauren Millard is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Morgan Stanley and Regions Bank, where she currently serves as a wealth advisor. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, with access to both affiliated and third-party managers.

Victoria Morris is a financial advisor at Morgan Stanley in Birmingham, AL, with 11 years of industry experience. She previously worked at Charles Schwab for two years and TD Ameritrade for nine years. She holds Series 65 and Series 63 licenses. 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 advanced modeling tools.

Jackson Reynolds is a financial advisor with Mass Mutual Investors Services in Birmingham, Alabama. He holds Series 63 and Series 65 designations and has been in the industry since 2023. Prior to this, he was a full-time college athlete for five years. Mass Mutual Investors Services operates as 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 structures financial planning as annual collaborative engagements using firm-approved tools and generally recommends investment categories and strategies without discretionary authority.

James Graham is a financial advisor with Mass Mutual Investors Services in Birmingham, AL, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and previously with MetLife Securities Inc. Graham also serves as a notary public and an insurance agent. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations, utilizing firm-approved analytical tools and delivering collaborative, goal-oriented recommendations.

Judson Morrison is a CFP®-designated financial advisor with 16 years of industry experience, currently practicing at Wells Fargo Advisors since 2024. His prior experience includes 11 years at Ameriprise Financial Services, Inc., followed by 4 years at Ameriprise. He serves on the finance committee for Shades Crest Baptist Church in Hoover, AL. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering tailored recommendations supported by proprietary research and planning tools.

Andy White is a Financial Consultant currently working at Fidelity Investments since 2024. He brings fifteen years of industry experience to his role, having previously served as a Wealth Advisor at Merit Wealth, LLC in 2023, a Senior Financial Advisor at Vanguard from 2017 to 2023, and a Financial Advisor at Peachtree Planning from 2009 to 2016. Throughout his career, Andy has focused on building trusting relationships and providing a safe space for essential conversations. He engages clients in a collaborative planning process that helps them focus on their priorities, make prudent financial decisions, and achieve greater peace of mind about their future. Outside of his professional work, Andy has interests that include lake activities, music, reading, running, tennis, and writing.

Winfield Baird is a CFP®-designated financial advisor with 33 years of industry experience, currently affiliated with Wells Fargo Advisors since 2009. He also owns and operates Baird Financial Management, a financial practice based in Birmingham, AL, since 2004. Baird serves as treasurer for the Society of the Revolution, a social club in Birmingham. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to clients meeting certain net-worth criteria, using Wells Fargo research and tools to develop recommendations delivered through meetings and written summaries.

James Ruggerio is a financial advisor with Fisher Investments in Birmingham, AL, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Fisher Investments since 2012. Outside of his advisory role, he serves as a director on the architectural committee of a homeowners association. Fisher Investments serves institutional and private clients globally, providing discretionary portfolio management across various asset classes. The firm employs a centralized investment process with a five-member committee and offers tax-aware strategies, sub-advisory services, and manages separate accounts and pooled investment vehicles.

Andrew Cartwright is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at PNC Investments LLC, SunTrust Advisory Services, and Ameriprise Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers portfolio management, financial planning, and access to various investment programs through a multi-manager platform with over $256 billion in assets under management.

Richard Mansour is a financial advisor at Morgan Stanley with Series 65 and Series 66 credentials and 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s approach emphasizes structured planning tools and advisory services supported by its Financial Advisors and Estate Planning Strategies Group.

John Gregg is a CFP® professional with 20 years of industry experience. He has worked at Wells Fargo Clearing since 2018 and previously held positions at Bank of America and Merrill. Outside of his advisory role, he serves as treasurer for the Village View Homeowners Association in Bryson City, NC. 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 investment approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Roger Curtis Jr. is a Series 66-licensed financial advisor with 22 years of industry experience. He currently works at Raymond James & Associates and previously served at Truist Advisory Services, Truist Investment Services, and BB&T Securities. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Christopher Lee is a Series 66 licensed financial advisor with Equitable Advisors in Birmingham, AL, where he has 17 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2009. Lee is also a shareholder in 360 Planning Partners LLC, a registered DBA, which he dedicates time to outside of his advisory role. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a mix of firm-offered programs and third-party asset managers.

Terrence Relph is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and six years of industry experience. He has been with Primerica Advisors since 2020 and also works with Primerica Financial Services. In addition to his financial roles, he has over a decade of experience with the Disability Determination Service. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale and provides advisory services through advisors who deliver model-based investment recommendations.

Jeffrey Seton is a financial advisor at Stifel with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2015. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Mary Sullivan is a financial advisor with Raymond James & Associates in Birmingham, AL, holding Series 63 and Series 65 credentials and 16 years of industry experience. She has been with Raymond James & Associates since 2013. 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 public entities, offering financial planning, non-discretionary consulting, and institutional fiduciary services through various portfolio management strategies and affiliated research.

Schuyler Baker III is a financial advisor at Morgan Stanley in Birmingham, AL, holding a Series 66 designation with 12 years of industry experience. He has worked at Morgan Stanley since 2018 and previously spent four years at Bank of America and Merrill. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both individual and corporate financial planning arrangements.

Kristopher Knight is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at PRUCO Securities, The Prudential Insurance Company of America, Mass Mutual Investors Services, Metlife Securities, Pittman Financial Partners, and Merrill. Knight is also associated with America's First Federal Credit Union alongside his work at LPL Financial. 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, third-party asset management, and institutional platforms.

Scott Debeck is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo in various capacities since 2014. Outside of his advisory role, he has ownership and landlord duties in a rental property business based in Chicago. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, allowing clients to implement recommendations through brokerage or advisory programs as they choose.