Ronny Hair is a financial advisor with Palmetto Retirement Specialists, LLC in Williston, SC, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has worked at Gradient Securities, LLC since 2012 and owns Palmetto Insurance Specialists, LLC, where he spends a significant portion of his time. Outside of advisory work, he owns and resides on raw land held by Tinker Creek Plantation, LLC. Palmetto Retirement Specialists provides fee-based financial planning and consulting to a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm refers clients to third-party money managers and does not accept discretionary trading authority, focusing on financial planning fees and referral arrangements rather than direct portfolio management.

James Richardson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. Prior to joining LPL Financial in 2025, he spent 17 years at Next Financial Group Inc. He operates Richardson Financial Services, a DBA associated with his LPL business, and is involved in non-variable insurance activities. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.