Niraj Bhandari is a financial advisor with Morgan Stanley in Atlanta, GA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2014 and 2015, respectively. Outside of his advisory role, he serves as president of two homeowners associations in Marietta, GA. Morgan Stanley Wealth Management provides a wide range of advisory services to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers both direct client services and corporate financial planning agreements.

Peter Gutschenritter is a CFP® professional with 15 years of industry experience, currently affiliated with LPL Financial since 2025. Prior to joining LPL, he spent 12 years at NEXT Financial Group Inc. He is also involved with Ashford Financial, LLC, where he serves as an enrolled agent providing tax preparation services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from various sources.

Matthew Filla is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2009. He also operates a separate business under the name Filla Wealth Management, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Nicholas Lazenby is a financial advisor at Raymond James Financial with six years of industry experience. He holds Series 63 and Series 65 credentials and has worked with the firm since 2019. Outside of Raymond James, Lazenby is associated with Harmon Financial Advisors in Atlanta, where he supports the firm as an associate. 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, and institutional investors. The firm emphasizes tailored, non-discretionary planning and consulting using various analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Suzanne Dineen is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing eight years of industry experience. She has worked with Wells Fargo Bank and Wells Fargo Clearing since 2021, following nine years at Quantum National Bank and a brief tenure at Piedmont Bank. 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, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Shannon Perkins is a financial advisor with Ameriprise in Dunwoody, GA, holding a Series 63 designation and bringing 31 years of industry experience. Perkins has been with Ameriprise and its related entities since 1994. Outside of advisory work, Perkins serves on the Board of Directors for the nonprofit organization WarmHearts. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendations, primarily for clients with Ameriprise-managed accounts.

Lynette Ringstad is a financial advisor with Ameriprise in Dallas, GA, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2010. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that incorporate income sources, Social Security strategies, and tax-smart withdrawals. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with clients’ financial advisors.

Raymond Rivers is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to understand their short- and long-term financial goals and helps build customized financial plans tailored to their unique needs. Raymond has held several positions in the financial industry, including Vice President, Premier Banker at Truist in 2025, Financial Advisor at JP Morgan Securities LLC from 2022 to 2025, and Financial Advisor at Valic Financial Advisors from 2019 to 2022. His experience spans various aspects of financial advising and investment consulting.

Jeffrey Davis is a Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2012. Over his tenure, he has held various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before advancing to his current position in 2022. His professional approach focuses on working closely with clients to help them achieve their financial and retirement goals. His experience spans a variety of financial services roles, allowing him to provide informed advice and tailored financial planning. Outside of his professional life, Jeffrey is interested in family activities, fitness, football, reading, and traveling.

Evelyn Dinkins II is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been associated with Ameriprise Financial Service, LLC since 1986 and worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of advising, he owns and manages Silver Lining Stables Inc., a stable offering boarding, training, lessons, and sales in equestrian disciplines, and consults for Procarian Wealth Advisors on team practice systems and marketing. Ameriprise serves individuals approaching or in retirement, generally with significant investable assets, through a retirement-income planning service that delivers written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawals. The firm combines research and modeling with advisory services and offers a broad range of brokerage and insurance solutions.

Joscelyn Worrell is a CFP® with 18 years of industry experience, currently serving as a financial professional at Cetera. Her background includes roles at Charles Schwab, TD Ameritrade, and ownership of GroveIQ Tax and Consulting, LLC, which focuses on tax preparation and planning. She is also involved with Stoneguard Management, a property management business. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services through a nationwide network of independent advisors. The firm serves a diverse client base including individual investors, retirement plans, and institutional accounts, offering a range of portfolio management and consulting services alongside access to multiple program structures and third-party money managers.

Christopher Woods is a financial advisor with Primerica Advisors in Kennesaw, GA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm utilizes third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Christopher Derstine is a financial advisor with J.P. Morgan Securities in Atlanta, GA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His career includes roles at major firms such as Morgan Stanley, E*TRADE, Fifth Third Bank, U.S. Bancorp Investments, Bank of America, Merrill, Fidelity, and Delta Air Lines. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to deliver customized recommendations.

Sean Dunn is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked for Edward Jones for eight years. Prior to his advisory career, he spent 14 years at Lockheed Martin Aeronautics Corporation as an electrical engineer and project lead for hardware in avionics test labs. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning and retirement consulting. The firm utilizes proprietary asset-allocation tools and access to third-party money managers to construct diversified portfolios tailored to client needs.

Edward Gibbs is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2012, including time at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Ryan Woodard is a financial advisor with Wells Fargo Clearing in Marietta, GA, holding a Series 66 designation and nine years of industry experience. His prior work includes positions at Morgan Stanley, E*TRADE Securities, Bank of America, and Merrill. 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 brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets with over 14,000 financial advisors.

Richard Richmond is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and having five years of industry experience. His prior work includes a decade at AT&T and concurrent roles with Landmark Financial Group and Primerica Financial Services. In addition to advisory services, he is involved in the sale of home security and automation products as well as loan product referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-driven investment strategies managed by unaffiliated asset managers and supports portfolio execution with custodial services from Pershing and overlay management by BNY Mellon Advisors.

Patricia Rivas is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses structured planning tools and modeling techniques but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning program.

Siddhartha Narker is a Planning Consultant at Fidelity Investments. In this role, he assists clients across the nation in translating their financial aspirations into practical plans. He works closely with clients to understand their goals, motivations, and concerns, combining this insight with a detailed analysis of their current financial situations to develop personalized strategies for retirement planning and long-term financial confidence. Prior to becoming a Planning Consultant, Siddhartha held several positions at Fidelity Investments, including Relationship Manager in 2025 and Financial Representative from 2024 to 2025. He began his career as a Junior Financial Consultant at Georgia Financial Advisors from 2023 to 2024. Throughout his career, he has focused on client-centered financial planning. Outside of his professional work, Siddhartha enjoys activities such as spending time at the beach, cooking and baking, fitness, football, music, and soccer.

James Broadway Jr. is a financial advisor at Raymond James Financial with 11 years of industry experience. He has worked at Raymond James since 2018 and previously held a position at Wells Fargo Clearing from 2014 to 2018. In addition to his advisory role, he is involved with Roswell 4 Freedom, a nonprofit organization, where he dedicates significant time. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm uses risk profiling and analytical tools to deliver tailored, non-discretionary planning and advisory solutions.