Stephen Kilpatrick is a CFP® professional with 32 years of industry experience, currently serving at OSAIC since 2024. His prior experience includes roles at Securities America Advisors, Inc., Investacorp Advisory Services, and Wells Fargo Advisors. Outside of financial advising, he serves as a referee for the Georgia State Referee Committee in the United States Soccer Federation. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, complex affiliate network, and recent consolidation activity.

Trinity Lawrence is a financial advisor at Ameriprise in Atlanta, GA, holding Series 63 and Series 65 designations with one year of industry experience. Prior to joining Ameriprise, Lawrence worked at AlliantGroup and spent seven years at Brinker Nation - Chili's Bar and Grill. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, utilizing a centralized consulting team to deliver written, non-discretionary recommendations based on research, modeling, and tax-efficiency analysis. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Micky Kim Cowger is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and seven years of industry experience. Her work history includes roles at Charles Schwab \& Co., Inc., Charles Schwab Bank, SSB, and Charles Schwab Premier Bank, SSB, as well as positions at Fairway Independent Mortgage, U.S. Bancorp Investments, Inc., and US Bank. She is based in Johns Creek, Georgia. Charles Schwab \& Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and formal alternative-investment processes.

Whitney Naylor is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley and E*TRADE Securities LLC in various roles since 2016. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-sponsored financial planning agreements.

Carly Spanolios is a financial advisor at Morgan Stanley in Alpharetta, GA, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning supported by firm-approved tools and comprehensive investment strategies.

Ernest Moncrieff III is a financial advisor at UBS Financial Services in Atlanta, GA, with 45 years of industry experience. He has been with UBS since 1995. He holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Justin Del Campo is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Edward Jones and Fifth Third Securities. Outside of his advisory role, he is involved with IJACS LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Karla Merritt is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at E*TRADE Securities LLC and E*TRADE Capital Management LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory process.

Deyka Charneco is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. Prior to joining Cetera in 2026, she worked at Edward Jones for three years and was involved with Biome Soaps, LLC from 2015 to 2018. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting over 10,000 advisors and managing more than $256 billion in assets.

Aidan Sullivan is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at firms including Mercer Advisors and Prime Technical Services. Outside of his advisory role, he was involved with VocoVision in 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Jackson Harris is a financial advisor with Edward Jones in Grayson, GA. He holds a Series 66 designation and has experience working since 2017 across several firms, including The Hardy Group and Reeves Young. Harris joined Edward Jones in 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment products. The firm manages approximately $1.01 trillion in assets with a large network of financial advisors and branch offices nationwide.

Christopher Phillips is a financial advisor at Wells Fargo Clearing in Alpharetta, GA, holding a Series 66 designation with 18 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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.

Stephanie Lawson is a financial advisor with Morgan Stanley in Alpharetta, GA, holding a Series 66 designation. She has been with Morgan Stanley since 2022 and has prior work experience in various industries including distribution and cleaning solutions. Outside of her advisory role, she is the sole proprietor of Earth Angel Compassion Initiative Inc., an elder care business based in Conyers, Georgia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved planning tools.

Christopher Smith is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Jerome Hansen is a CFP® and ChFC® with 44 years of experience in the financial industry. He has been with LPL Financial since 2010 and also worked at the University of Phoenix from 2006 to 2018. Hansen operates Hansen Financial Services, Inc., a business related to his advisory work at LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and advanced technology tools.

Leonard Mcreynolds IV is a financial advisor with Primerica Advisors in Atlanta, GA, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selective separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on retail clients rather than institutional or pension plan management.

Roger Green is a financial advisor at Cetera with over 38 years of industry experience. He holds the CFP® and ChFC® designations and has been associated with Cetera and its affiliates since 2004. In addition to his advisory work, Green teaches retirement planning courses at Gwinnett Technical College and serves as secretary of a local religious organization as well as chairman of the board for a nonprofit assisting deaf children. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and consulting services through multiple program platforms and third-party money managers.

Karan Chainani is a financial advisor at Equitable Advisors with nine years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2017, previously with Axa Advisors and Paramount Energy. Chainani serves as a board member for the Williamsburg neighborhood HOA, participating in community maintenance decisions. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm leverages a network of Investment Adviser Representatives and third-party asset managers to deliver tailored investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Joshua Brown is a financial advisor at Osaic Wealth in Alpharetta, GA, holding a Series 66 designation. He has professional experience spanning several roles since 2015, including positions at Hiscox Inc. and Georgia College and State University. Osaic Wealth serves both retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, wrap and non-wrap portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of discretionary and advisor-managed strategies.

Ian Cole is a financial advisor at Edward Jones in Dacula, GA, holding a Series 66 designation with nine years of industry experience. He has worked at Edward Jones since 2017 and previously was employed at Emmanuel College from 2011 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate clients. The firm offers a range of advisory services and investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.