Laci Graul is a financial advisor at Edward Jones in Birmingham, AL, holding the Series 66 designation with six years of industry experience. Prior to joining Edward Jones, Graul worked at Jacksonville State University and the Walker County Circuit Clerk's Office. Outside of advising, Graul assists with marketing, social media management, and website design for a local party equipment rental business. Edward Jones is a full-service wealth management firm serving over four million clients, including both individual and institutional investors. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

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.

Keith Foster is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and over 25 years of industry experience. Prior to joining Cetera in 2025, he spent 16 years with Concourse Financial Group Securities Inc. Foster is also the owner and instructor of a local gym where he offers workout classes. Cetera Investment Advisers LLC is an SEC-registered adviser supporting a large network of independent advisors and serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through discretionary and non-discretionary program platforms, utilizing a multi-manager approach that includes affiliated and unaffiliated third-party managers.

Louis Cloud is a financial advisor with Morgan Stanley in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, providing financial planning and investment services supported by firm-approved tools and analytics. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct relationships and Corporate Financial Planning agreements.

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.

Joshua Carnes is a financial advisor with Ameriprise in Helena, AL, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing before joining Ameriprise Financial Services Inc and then Ameriprise. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, delivering written recommendations that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Robert Easterling is a CFP® and PFS™ with 25 years of industry experience, currently affiliated with Cetera. He has worked with Cetera Advisors LLC since 2013 and continues his practice at Cetera. Easterling is also co-treasurer of the Philip Mahan Davis Foundation and serves as vice-president of the Providence Park Owners Association. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Logan Barnes is a Series 66-licensed financial advisor with Morgan Stanley in Birmingham, AL, with two years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at Progress Bank from 2021 to 2023 and has a background that includes a year at Forge Chiropractic and four years as a full-time student. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.