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.

Margaret Hall is a financial advisor at Cetera with 22 years of industry experience and holds a Series 66 designation. She has been with Cetera Advisors LLC since 2015. Outside of her advisory work, she is involved in several community and nonprofit roles, including serving as chairperson of the board of trustees at University Baptist Church and participating as an advisory board member for the Boys and Girls Club of Central Alabama. Cetera Investment Advisers LLC is an SEC-registered firm supporting a large network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and investment approaches, managing over $256 billion in assets across more than 10,000 advisors.

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.

William Bezkor Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Advisors since 1995 and also has a long-term involvement with Primerica Financial Services. In addition to advisory work, he participates in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm focuses on curated third-party asset managers and employs a tiered wrap-fee structure.

Nolita Williams is a Series 66-licensed financial advisor with Primerica Advisors in Hoover, AL, and has 13 years of industry experience. She has worked with Primerica Advisors since 2013 and was previously involved with The UPS Store for 12 years. Williams also engages in business activities related to sales of loan products and home security referrals through Primerica’s affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed account options for individual and high-net-worth clients. The firm focuses on third-party asset manager selection and uses a tiered wrap-fee structure rather than fixed fees.

Alfred Lammon is a financial advisor with Primerica Advisors in Hoover, AL, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1985. In addition to his advisory role, he is involved in the sales of loan products through Primerica Mortgage, LLC, and refers home security and automation products for Primerica Client Services, Inc. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies created by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Garrison Shenker is a financial advisor at Raymond James Financial in Birmingham, AL, holding a Series 66 designation with two years of industry experience. Prior to his current role, he held positions at Raymond James Financial Services, Inc., and has experience working outside the financial sector, including time as a proprietor responsible for property management duties. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm provides tailored, non-discretionary planning using analytical tools to illustrate potential outcomes and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Robert Fritze is a financial advisor at Wells Fargo Advisors with seven years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a network of financial advisors. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, using proprietary research and planning tools.