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.

George Oller is a financial advisor with Morgan Stanley in Birmingham, AL, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley since 2007, including roles at Morgan Stanley & Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank. Outside of his advisory work, he is involved with Training Consultants Inc., a training business he operates outside regular business hours. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools to support client goals, acting primarily in an advisory capacity.

Candace Thompson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and three years of industry experience. Her prior roles include positions at Alabama State Employees Credit Union, PNC Bank, BBVA Securities, and Valley Bank. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Jason Lippeatt is a Series 66-credentialed financial advisor with 18 years of industry experience. He has worked at Cetera since 2025, following prior roles at Investment Distributors Inc and Concourse Financial Group Securities Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting a network of over 10,000 advisors and managing more than $256 billion in assets.

Crystal Bowles is a financial advisor with LPL Financial based in Birmingham, AL. She holds the CFP® designation and has 25 years of industry experience. Her prior roles include eight years at Bridgeworth, LLC and a previous six-year tenure with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services delivered through a large network of advisors using both proprietary and third-party models.

Jonathan Hollingsworth is a financial advisor with Cetera, holding a Series 66 designation and bringing 10 years of industry experience. He previously worked at Sterne Agee Financial Services Inc. for eight years and is also affiliated with Regions Bank, where he serves as a wealth advisor. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored 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 both affiliated and third-party money managers.

Angela Mixon is a financial advisor at Edward Jones in Trussville, Alabama, holding a Series 66 designation with three years of industry experience. She has been with Edward Jones since 2011, totaling 15 years at the firm. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Sparks is a CFP® professional with 23 years of industry experience, currently affiliated with Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Sparks serves on the Board of Directors for Leadership Vestavia Hills. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research-driven strategies and tax-efficiency analysis to support clients approaching or in retirement. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Ryan Nast is a financial advisor with Cetera who holds a Series 66 designation and has 17 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory work, he serves as a Sunday school teacher, church deacon, and finance committee member at Dawson Memorial Baptist Church, and acts as a school liaison for Wise Guys Ministries at Dolly Ridge Elementary School. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients nationwide, offering a range of portfolio management and advisory services across various program structures.

Grady Kelly is a Planning Consultant at Fidelity Investments, where he works with clients to develop personalized, holistic financial plans. In his role, he partners with individuals to create comprehensive strategies that align with their retirement objectives, addressing concerns and identifying opportunities to enhance their financial security. Kelly has held multiple positions at Fidelity Investments, progressing from Financial Representative (2023-2025) to Relationship Manager (2025-2026), before assuming his current role in 2026. This experience has provided him with a foundation in client relations and financial planning. Outside of his professional work, Kelly enjoys baseball, golf, outdoor adventures, skiing, and traveling.

Alexander Sarafianos is a financial advisor with Cetera in Birmingham, AL, holding Series 63 and Series 66 credentials and bringing 37 years of industry experience. He has been with Cetera and its related entities since 2013 and also maintains a role at Regions Bank since that time. 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 multi-manager platform with access to third-party money managers and a range of portfolio management and financial planning services.