John Pence is a financial advisor at Ameriprise with 31 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining Ameriprise in 2025, he spent 22 years with The Strategic Financial Alliance, Inc. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic automation overseen by specialized committees to generate tailored retirement income recommendations.

James Weymouth is a financial advisor at Raymond James & Associates in Atlanta, GA, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has worked at Raymond James since 2014 and previously spent 11 years at J.P. Morgan Securities. 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 investment consulting, and institutional fiduciary services.

Hyunwoo Cho is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2019, following prior roles at Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its planning process.

Daryl Ullmer is a financial advisor at Edward Jones in Acworth, GA, holding Series 63 and Series 66 licenses with 28 years of industry experience. Prior to joining Edward Jones in 2017, he worked for State Farm in management and insurance roles for 14 years. He established a corporation related to insurance during his time at State Farm, although he did not pursue the agency further. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Robert Christian is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and has prior experience at J.P. Morgan Securities, Chase Investment Services, and Harrisdirect. His current location is Cartersville, GA. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Christian Bratton is a CFP® certificant with six years of industry experience, currently serving as an advisor at OSAIC since 2023. Prior to joining OSAIC, he held roles at FSC Securities / The Legacy One Group and worked at Wellstar Cobb Hospital for seven years. Outside of advising, Bratton is involved as an insurance agent licensed to sell life, disability, and health insurance, and he holds supervisory responsibilities through Singletrack Financial LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization, supported by a range of investment programs and third-party manager options.

Clark Turner III is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley, E*TRADE Capital Management, and SunTrust Investment Services. Turner is also involved as an agent team member with insurance agencies affiliated with State Farm. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research and quantitative analysis to construct model portfolios utilizing mutual funds, ETFs, and ETPs, with an emphasis on systematic methodologies and long-term asset allocation.

Carla Kesterson is a CFP® professional with 33 years of experience in the financial industry. She is currently with Cambridge Investment Research Advisors and has held positions at Cambridge Investment Research, Wells Fargo Clearing, and Morgan Stanley DW Inc. Additionally, she operates as an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual and institutional investors by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Charul Bharat is a Series 66-licensed advisor with Merrill, based in Woodstock, GA, and has two years of industry experience. She has been with Merrill and its affiliate Bank of America since 2006 in various capacities. Outside of her advisory role, she is a partner at Blue Mango Properties LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jessica Shaughnessy is a financial advisor at Morgan Stanley in Atlanta, GA, with 24 years of experience in the industry. She holds a Series 66 designation and has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market modeling in its financial planning process.

Sandra Acosta Kaasbell is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Her prior work history includes positions at Berkshire Hathaway HomeServices Georgia Properties and FlightSafety International. Outside of her advisory role, she is an active real estate agent with VPR Virtual Properties Realty. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutional and pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting through various programs and provides municipal advisory services alongside market-making and execution roles in municipal and government bonds.

Delton Hudgens is a financial advisor at Wells Fargo Clearing with a Series 66 designation and no prior industry experience. His work history includes roles at Wells Fargo Bank, Thrivent Financial, International Business Machines, and State Farm. 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 offers both brokerage and advisory solutions, relying on research and analytics from Wells Fargo Investment Institute and third-party sources.

Eric Ortiz is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. He has worked at Cetera and Cetera Investment Services LLC since 2023 and has prior experience with Regions Bank dating back to 2016. Cetera Investment Advisers LLC is an SEC-registered firm serving 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, utilizing a multi-manager platform that allows advisors to implement various investment strategies across discretionary and non-discretionary accounts.

Kevin Sechrist is a financial advisor at Edward Jones in Woodstock, GA, with three years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, and JP Morgan Chase. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branches.

Tien Sun is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Atlanta and serving clients nationwide. He holds a bachelor's degree in finance and international management from the University of Massachusetts, Boston. As a Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA), he specializes in helping high-income professionals, entrepreneurs, and emerging wealth builders translate financial success into intentional, lasting wealth. With a decade of industry experience, Tien's approach combines investment strategy, tax-aware planning, and legacy considerations. He guides clients through pivotal moments such as business exits, liquidity events, and divorce, working closely with their CPAs and attorneys to ensure alignment and strategic clarity. His client focus includes college education planning, family wealth management strategies, personal retirement planning, small business strategies, women and wealth, and retirement income. Outside of his professional responsibilities, Tien is involved in community organizations including the Asian Leadership Network at Bank of America, the National Association of Chinese Americans, and the National Association of Women Business Owners. He enjoys spending time with his three children and participates in activities such as drawing, hiking, music, reading, rock climbing, traveling, watching movies, and yoga.

Deborah Flugstad is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. She holds a Series 66 license and operates out of Kennesaw, GA. Outside of her advisory role, she is president of Verden Haus, LLC, a vacation rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Richard Lebel Jr. is a financial advisor with LPL Financial in Marietta, GA, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. His prior roles include positions at Cetera Advisor Networks, VOYA Financial Advisors, Magellan Planning Group, and First Citizens Investor Services. In addition to his advisory work, he has been involved as an independent agent in non-variable insurance since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, leveraging both proprietary and third-party strategies across various investment approaches.

Freddy Mcculloch Jr. is a financial advisor at Cetera with 20 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Cetera and Regions Bank since 2020, following six years at Synovus Bank and Synovus Securities. His other business activities include serving as a wealth advisor at Regions Bank, focusing on customer service, deposit accounts, loans, and credit card applications. Cetera Investment Advisers LLC operates as a multi-manager platform serving 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 nationwide network of independent advisors and manages over $256 billion in assets.

Frederick Saavedra is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Edward Jones, Cornerstone Wealth Management, and Truist Investment Services. Saavedra also operates Fred Saavedra LLC, a non-investment-related business entity. 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 with access to model portfolios, third-party asset management, and institutional platforms.

Michael Terry is a financial advisor with Raymond James Financial in Marietta, GA, holding Series 63 and Series 65 designations and having 32 years of industry experience. He has been associated with Raymond James Financial and its related entities since 2002 and is also involved with Terry Investment Group, Inc., a support company he owns. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical and risk profiling tools and supports municipal and public finance work through an affiliated municipal advisor.