Frank Arnold Sr. is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 50 years of industry experience. His prior work includes roles at Securities America, Concourse Financial Group Securities, and Proequities. Outside of advising, he is a member of the Newton County NAACP and serves as a mentor for the Newton Mentoring Program. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures and a diverse selection of affiliated and third-party investment managers.

David Timms is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in working with corporate executives, family wealth management, legacy planning, retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. David collaborates closely with clients and their other professional advisors to develop personalized financial strategies aimed at helping clients pursue their long-term goals. David began his career at Merrill Lynch in 1996 and holds a Bachelor of Arts degree from Furman University. He has earned several professional designations, including Certified Private Wealth Advisor® (CPWA) from the Investments & Wealth Institute™ and the University of Chicago, Chartered Retirement Planning Counselor™ (CRPC), Certified Exit Planning Advisor (CEPA), and Personal Investment Advisor (PIA). His approach includes comprehensive wealth management emphasizing planning, cash flow, risk management, and efficient wealth transfer. Outside of his professional role, David is involved in community organizations such as the Boy Scouts and the Foster Foundation. He enjoys personal interests including baseball, cooking, fishing, golfing, running, scuba diving, spending time with his family, and traveling.

Betty Jo Renner is a financial advisor with Merrill in Atlanta, GA, holding Series 63 and Series 65 credentials and 30 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2011, totaling 15 years at the firm. Merrill, together 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Blake Goodman is a financial advisor at Morgan Stanley in Atlanta, GA, with 17 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and its predecessor firms since 2009. 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, including tailored financial planning that utilizes structured discovery and firm-approved tools to model outcomes.

Janet Sanders is a financial advisor with Raymond James & Associates in Atlanta, GA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with Raymond James & Associates since 2013. 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, institutional investors, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Udel Richardson II is a financial advisor at Morgan Stanley with 13 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Wells Fargo Clearing and Edward Jones. He is currently based in Atlanta, GA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process using firm-approved tools and serves clients through both direct engagements and corporate financial planning agreements.

Michael Amadi is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, and Wells Fargo before joining J.P. Morgan in 2025. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to support informed decision-making.

Peter Heller is a financial advisor with Morgan Stanley in Atlanta, GA, holding a Series 66 designation and bringing 22 years of industry experience. His career includes roles at UBS Financial Services from 2004 to 2010, followed by positions at Morgan Stanley since 2010, including the Morgan Stanley Private Bank since 2015. 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, including tailored financial planning that uses structured discovery conversations and firm-approved tools to model outcomes.

Yumi Koh is a financial advisor at Merrill with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including J.P. Morgan Chase Bank NA, StoneWork Capital LLC, and her own Koh Strategic Advisors. Koh is based in Atlanta, GA. 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, pension plans, corporations, and charitable organizations.

Theodore Roberts is a Series 66 licensed advisor at J.P. Morgan Securities with approximately one year of industry experience. His prior roles include positions at Prime Buchholz, Bill Wescott Inc, and Iridius Capital. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to develop model asset allocations, incorporating ESG considerations and supported by affiliates for implementation and portfolio services.

Conner Rudolph is a financial advisor with Mass Mutual Investors Services in Atlanta, GA, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Georgia Gwinnett College and Hennessy Lexus of Gwinnett. Mass Mutual Investors Services is a broker‑dealer and SEC‑registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, annual planning engagements using firm-approved analytical tools.

Raluca Bighiu is a financial advisor at UBS Financial Services with 22 years of industry experience. She has held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2011. Outside of her advisory work, she has conducted academic research and published a social studies research paper. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Joshua Brock is a financial advisor with Wells Fargo Advisors in Atlanta, GA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at Raymond James Financial Services and Park Avenue Securities. Outside of his advisory work, he serves on the advisory board for the Cartersville Parks and Recreation Department and provides college football analysis for IMG College, LLC. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, using proprietary research and planning tools to develop customized recommendations. The firm serves clients through a variety of fee-based and brokerage programs tailored to meet diverse planning needs.

Michael Nies is a Senior Financial Advisor at Merrill Lynch Wealth Management, serving within the Global Corporate & Institutional Advisory Services (GCIAS) team. In this role, he advises executives, business owners, and institutions on wealth management and strategic financial matters, including investments, banking, lending, and long-term financial planning. Michael has held various leadership positions throughout his career, including Market Executive for the Greater Atlanta Market where he oversaw GCIAS and additional offices across Metro Atlanta. Prior to rejoining Merrill in 2016, he held senior leadership roles at Merrill and Credit Suisse, leading private banking and wealth management businesses in multiple U.S. regions and serving as U.S. Market Leader for Credit Suisse's Asia Pacific business. He began his career with Merrill in 1998 and has experience advising ultra high net worth clients domestically and internationally. He holds a Bachelor of Science in Engineering from the United States Naval Academy and an MBA with honors from the University of Florida. Michael is a former U.S. Navy officer and pilot who participated in global operations, including combat air missions over Bosnia Herzegovina. He has served on the board of the Metro Atlanta YMCA and resides in Atlanta with his wife, Christina. His personal interests include boating, scuba diving, and fishing.

Maureen Dougherty is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2008, including 17 years at Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Thomas Fluent is a financial advisor at Stifel with 31 years of industry experience. He has previously worked at BB&T Securities, SunTrust Advisory Services, and SunTrust Investment Services. Fluent holds Series 63 and Series 65 registrations. Stifel serves a wide range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Marlon Somersall is a financial advisor at J.P. Morgan Securities with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Merrill, Bank of America, and Morgan Stanley. Outside of his advisory role, Somersall serves as a non-public arbitrator for FINRA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting, with clients retaining final decision-making authority.

Paige Calman is a financial advisor at Morgan Stanley in Atlanta, GA, holding a Series 66 credential with three years of industry experience. Prior to joining Morgan Stanley, she worked in various roles including at Anatolia Cafe and in education at Nickajack Elementary School and ET Booth Middle School. Outside of finance, Paige operates a dog sitting and walking business. 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 manages approximately $2.74 trillion in client assets, utilizing structured planning tools and firm-approved methodologies.

Connie Weems Scott is a CERTIFIED FINANCIAL PLANNER™ professional with 37 years of experience in the financial industry. She has been with LPL Financial since 2011 and previously worked at Securities America Advisors, Inc. and Veravest Investment Advisors, Inc. Her additional business activities include serving as a fixed insurance agent for various types of non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions through a large network of investment adviser representatives.

Samuel Cagle is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving on Merrill's Global Corporate & Institutional Advisory Services team since 2021. He has been with Merrill since 2015. In his role, Samuel assists clients in simplifying their financial lives by helping them establish and prioritize their goals. Samuel provides tailored strategies including asset allocation guidance, tax-minimization strategies, retirement income planning, and wealth transfer solutions. He leverages the global resources of Merrill and access to lending and credit solutions from Bank of America to deliver his services. Samuel grew up in Knoxville, Tennessee, and earned a Bachelor of Science degree in Finance from the University of Tennessee. He holds FINRA Series 7 and 66 registrations, as well as the Chartered Retirement Planning Counselor™ designation. He resides in Midtown Atlanta and spends his free time cooking, running, playing golf, and enjoying history and film.