John Kelly is a financial advisor with Mass Mutual Investors Services in Birmingham, Alabama, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2012. Outside of his advisory role, he serves as an ordained minister. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, annual financial planning relationships.

Peter Giangrosso is a financial advisor with Primerica Advisors in Hoover, AL, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. He has worked at CMJ Financial Group and PFS Investments Inc., and has also been a high school administrator with Hoover City Schools since 2012. In addition to his advisory role, he receives compensation for referrals related to home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs a model-driven investment approach supported by third-party asset managers and provides advisory services through a large network of financial advisors.

Caroline Fuerniss is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its affiliated private bank since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning, supported by firm-approved tools and methodologies such as Secular Return Estimates and Monte Carlo simulations.

Jeremy Duck is a financial advisor at Stifel with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2014. Prior to that, he was employed at Wells Fargo Clearing from 2006 to 2014 and UBS Financial Services from 2000 to 2002. Stifel serves a broad range of clients, including individuals of varying net worth, institutional clients, and charitable organizations, 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.

Theodore Schaefer is a financial advisor at Merrill with 19 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Wells Fargo in various capacities since 2006. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Harold Henderson is a CFP® and holds a Series 66 license, with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent nine years at UBS Financial Services Inc. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Farrar is a CFP® and ChFC® with 42 years of experience in the financial services industry. He is currently affiliated with Cetera and has held roles at Lincoln Financial Advisors, General American Insurance, and Lion Street, among others. Farrar also engages in several business activities including serving as a producer and part owner of an insurance marketing firm and working with employee benefits companies. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that supports discretionary and non-discretionary strategies across multiple program structures.

Louis Cloud is a financial advisor at Morgan Stanley with 46 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2002 to 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm emphasizes a structured planning process supported by proprietary tools and delivers services across retail and institutional markets.

William Hopkins is a financial advisor at Cetera with four years of industry experience. He holds a Series 66 designation and has prior experience working with Regions Bank in wealth advisory and customer service roles. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad 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 a multi-manager platform with access to various investment strategies and program structures.

Scott Pospisil is a financial advisor with Wells Fargo Clearing and holds Series 63 and Series 66 licenses. He has 23 years of industry experience, including prior roles at Regions Bank, Cetera, Fifth Third Securities, and Bank of America. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

John Malone is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has 27 years of industry experience, including 11 years at Morgan Stanley prior to joining Raymond James in 2020. Malone serves as a trustee for the Malone Family Trust. He is also an owner and financial advisor at First Call Financial, a support company operating under a DBA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, as well as institutional and corporate clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports a broad network of advisors and affiliated firms.

Bryan Parker is a financial advisor with Ameriprise in Indian Springs, AL, holding Series 63 and Series 66 licenses and with 27 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, he is involved in tax preparation through his CPA firm, serves as treasurer on the board of Southeastern Leadership Training for Christ, and owns a commercial real estate business as well as a check-printing company. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Christopher Davis is a financial advisor at Wells Fargo Advisors with three years of industry experience. He holds the Series 66 designation and previously worked for PNC Financial Services Group, Inc (formerly BBVA USA) for twelve years. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and niche planning areas, using proprietary research and tools to develop tailored recommendations for clients.

Robert Smith Jr. is a financial advisor with Cetera in Birmingham, AL, holding a Series 63 designation and 24 years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2025 and previously spent 14 years with Concourse Financial Group Securities Inc. Outside of his advisory roles, Smith serves as a board member of the Restoration Academy, a private school in Fairfield, AL. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients. It offers a multi-manager platform with diverse portfolio management options, including model portfolios, third-party managers, and custom strategies.

Gates Smallwood is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Duncan Williams, Inc. from 2011 to 2018. Outside of advising, he owns and operates Smallwood Ceramics, a ceramics sales business. 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 through a large network of advisors.

Edward Davis is a financial advisor with Cetera in Birmingham, AL, holding a Series 66 designation and beginning his career in 2025. Prior to joining Cetera, he worked at Coca-Cola Bottling Company United for nine years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various investment program options and custodial relationships.

Andrew Cundiff is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at UBS Financial Services for nine years before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he serves on the Board of Trustees at Samford University. 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 investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Misty Mitchell is a financial advisor with Merrill, holding a Series 66 designation and based in Birmingham, Alabama. She has been with Merrill since 2021 and previously worked at Sylvan Learning Center and First Community Bank of Central Alabama. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

William Owen is a financial advisor with OSAIC based in Birmingham, AL, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at Anderson, Williams & Co. and Royal Alliance Associates, INC. for 35 years each. Outside of his advisory roles, he serves as president of Owen Advisors Inc., a corporation involved in life insurance and annuity sales. OSAIC serves a diverse clientele including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers. The firm offers a range of integrated financial services, employing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Robert Herndon is a financial advisor at Equitable Advisors in Birmingham, AL, holding CFP® and Series 66 credentials with 17 years of industry experience. He has worked at Equitable Advisors since 2009, including the firm’s predecessor Axa Advisors. Outside of his advisory role, he is a part-owner of a family farm and a shareholder in a financial planning LLC. Equitable Advisors serves individual, institutional, and retirement plan clients, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a range of advisory models primarily implemented through third-party managers and emphasizes fiduciary services for qualified plans.