I'm Susan L. Powers, CFA, CFP®, CPFA, a financial professional with more than 20 years of experience helping individuals, families, and business owners make thoughtful, confident financial decisions. Before co-founding AssetGrade, I served as a senior executive at Fidelity, where I managed Fidelity's $1.2 trillion 401(k) investment consulting practice, one of the largest retirement platforms in the country. That experience allows me to blend institutional-level insight with a personalized approach tailored to real-life goals and challenges. I'm also a frequent guest speaker on Wharton Business Radio on SiriusXM, where I help demystify complex financial topics in a way that's practical, approachable, and empowering.

Todd Allen is a financial advisor at Provisor Asset Management LLC in Greensboro, GA, with 25 years of industry experience. He holds the ChFC® designation and Series 65 and 63 licenses. Prior to founding Provisor Asset Management, he held roles at Provisor, LLC, Teh O.N. Investment Management Co., and Allstate, and served in the U.S. Army Reserves for 26 years. Allen also operates an insurance agency as a sole proprietor. Provisor Asset Management advises individuals by providing non‑discretionary investment recommendations utilizing third‑party model portfolios, mutual funds, ETFs, and variable insurance sub-accounts through the AssetMark platform. The firm focuses on aligning recommendations with client goals and risk tolerance while maintaining a service model that emphasizes client authority over investment decisions.

James Hankinson is a CFP®, CFA®, and PFS™ credentialed advisor with 18 years of industry experience. He is the sole advisor at Hankinson Wealth Advisors LLC in Greensboro, GA, where he has worked since 2018. Prior to that, he was with Hankinson Wealth Management, Inc. for over two decades. Hankinson also holds Series 63 and Series 65 licenses. Hankinson Wealth Advisors provides discretionary and non-discretionary wealth management services, combining ongoing financial planning and portfolio management for individuals, high-net-worth clients, business entities, trusts, estates, and charitable organizations. The firm emphasizes personalized asset allocation using mutual funds, ETFs, and individual securities, with continuous monitoring and rebalancing.

Timothy Pierson is a financial advisor at Blueprint Financial Strategies, LLC, with 16 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. His career includes roles at Investment Centers of America and Gradient Securities, LLC. Outside of financial advising, he serves as a board member of the Lake Oconee Builders Association and is co-owner of WISMOGA, LLC, a distributor for Stone Canyon Cabins. Blueprint Financial Strategies, LLC is an independent advisory firm serving individuals, high-net-worth households, and employer-sponsored retirement plans. The firm offers discretionary asset management, financial planning, and ERISA plan consulting, utilizing a combination of fundamental, technical, and cyclical analysis alongside sub-advised portfolio solutions.

Gordon Lackey Jr. is a CFP® with 23 years of industry experience, currently serving as an advisor at Relativity Capital Advisors, LLC since 2015. Prior to this, he worked at Barber Lackey Financial Group from 1999 to 2016. Relativity Capital Advisors is a small registered investment adviser focusing on individual clients, including high-net-worth and non-HNW households. The firm employs a combined technical and fundamental analysis approach, along with a proprietary, rules-based Quantitative Strategy, to manage portfolios through continuous financial planning and active trading strategies.

Jennifer Lackey is a financial advisor at Relativity Capital Advisors, LLC with 17 years of industry experience. She holds a Series 66 designation and has worked at Relativity Capital Advisors since 2015, following 15 years at Barber Lackey Financial Group. Relativity Capital Advisors is a small registered investment adviser serving individual clients, including both high-net-worth and non-HNW households, through continuous portfolio management and financial planning. The firm combines technical and fundamental analysis with a proprietary, rules-based Quantitative Strategy to manage client portfolios.

Gregory Partalis is a financial advisor at The Foundation Investment Group with 27 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including CommonWealth Financial Network and Global Assets Advisory. He serves as co-trustee for the Lynn N Partalis Living Trust. The Foundation Investment Group is a four-advisor team managing approximately $255.7 million for individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm integrates alternative investments with traditional asset classes, emphasizing capital preservation and risk management through a global macro investment approach.

Richard Kinnard is a financial advisor with CoreCap Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with CoreCap Advisors since 2020 and previously worked at Ameritas Investment Corp. He is also president and CEO of Capital Choice Financial Services, an insurance agency and investment product firm, and owner of RLK Marketing LLC. CoreCap Advisors provides discretionary investment and portfolio management as well as standalone financial planning to a diverse client base, including high-net-worth individuals, retirement accounts, and corporations. The firm employs a relationship-oriented, individualized approach with a generally long-term investment horizon and utilizes sub-advisors and third-party asset managers to support its services.

Kenneth Hyatt is a financial advisor at CL Wealth Management LLC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including IFS Advisory, LLC and Cabot Lodge Securities LLC. Outside of finance, he officiates high school and elite showcase baseball tournaments as a baseball umpire. CL Wealth Management LLC is a multi-advisor SEC-registered firm serving individuals, pension plans, trusts, charitable organizations, and business entities. The firm provides portfolio advisory services, financial planning, and client education, tailoring investment strategies through a combination of fundamental and technical analysis and custom model portfolios.

Brett Hoover is a financial advisor at True North Advisors, LLC with 27 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at JPMorgan Securities and Blue Investment Partners. Outside of his advisory role, he serves as a board advisor to ASG Behavioral Health Super Holdings LLC, providing strategic and product-related guidance. True North Advisors is a multi-team registered investment adviser managing approximately $5.4 billion in assets, serving high net worth individuals, corporate plans, trusts, and foundations. The firm employs a value-oriented, fundamentally driven investment approach with broad diversification and offers comprehensive financial planning, portfolio management, and advisory services, including discretionary management of private pooled investment vehicles.

Eric Rader is a financial advisor at Integrity Alliance, LLC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at several firms including Lion Street Advisors, The Leaders Group, Inc., and Clearpoint Advisors, LLC. Outside of his advisory roles, he serves as a board member for his local homeowners association and is involved in executive benefit consulting and insurance planning through Clearpoint Advisors, LLC. Integrity Alliance is a large advisory and brokerage firm serving a diverse client base including individual investors, corporations, and qualified retirement plans. The firm manages assets through a network of over 300 independent advisers and offers portfolio management, financial planning, wrap programs, and third-party manager referrals, utilizing a variety of investment approaches and platforms.

Ty Dickey is a financial advisor with Rockefeller Financial LLC who holds a Series 66 credential and has 17 years of industry experience. Prior to his current role, he worked at Bank of America and Merrill Lynch. Outside of his advisory work, Mr. Dickey manages his family’s investment holding company and serves as trustee of a family irrevocable trust, overseeing related family office activities. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm provides portfolio management, financial planning, and consulting services, operating uniquely as both a registered investment adviser and broker-dealer with a comprehensive investment platform and access to alternative investment vehicles.

Brian Doe is a CFP® and holds a Series 66 license with 23 years of industry experience. He has been with Farther since 2025 and previously worked for MAIN STREET FINANCIAL SOLUTIONS, LLC d/b/a Livingworth from 2013 to 2025. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm applies Modern Portfolio Theory using bespoke or algorithmic model portfolios, focusing on ETFs, mutual funds, equities, and fixed income, and provides discretionary investment management, retirement plan consulting, and non-discretionary recommendations for private investment funds.

Joshua Colwell is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2022, following nine years at Edward Jones. Outside of his advisory role, Colwell is the owner of a holding company that leases the property housing his branch office. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with specialized programs in municipal finance and SIMPLE IRA employer consulting.

Jon Mills is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2018. His prior experience includes roles at OrthoGeorgia Orthopedics and positions associated with Valdosta State University, Lowndes County Probate Court, Chick-fil-A, Dallas Wayne Boot Company, and Abraham Baldwin Agricultural College. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

Robert Thomaier is a financial advisor with LPL Financial in Greensboro, GA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He previously worked for Ic Advisory Services, Inc. and The Investment Center, Inc. over a combined 19-year period. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, 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 services supported by model portfolios, research, and technology-driven strategies.

Michael Mc Cabe is a financial advisor with Edward Jones in Greensboro, GA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Edward Jones since 2005. Outside of his advisory role, he is involved with The Vibe Dance Company LLC, where he helps maintain the books and serves as a point of contact for business matters. Edward Jones is a full-service wealth management firm serving individual and institutional clients nationwide, with over $1 trillion in assets under management and a large network of financial advisors and branch offices. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard.

Ronald Carter is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Mc Neill Sr. is a financial advisor with Edward Jones in Greensboro, GA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a large nationwide network of financial advisors and branch offices.

Daniel Kundla is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for five years. Kundla is based in Greensboro, GA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management along with access to model portfolios and research.

Tracy Aufleger is a financial advisor with Ameriprise in Greensboro, GA, holding the ChFC® and Series 63 designations and bringing 33 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Hannah Varnado is a CFP®-certified financial advisor with six years of industry experience. She currently works at Cambridge Investment Research Advisors and previously held roles at Ameriprise and Ameriprise Financial Services. Outside of her advisory work, she was involved in the US Soccer Federation Referee Program for over a decade. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals using a variety of portfolio management strategies and platform arrangements.

William Cullens is a financial advisor at Cetera with 37 years of industry experience. He holds a Series 63 designation and has worked at firms including Commonwealth Financial Network and Hornor Townsend & Kent Inc. Cullens is president of Piedmont Financial Partners, a financial services firm. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities, and has over 10,000 advisors managing more than $256 billion in assets.

Mary Woodward is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 39 years of industry experience. She worked at UBS Financial Services for nine years before joining LPL Financial in 2021. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Charles Ethridge is a financial advisor at Edward Jones with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Edward Jones since 1999. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Gena Barbato is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 38 years of industry experience. Prior to joining LPL Financial in 2021, she worked for UBS Financial Services Inc. for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Joshua Harris is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors, based in Greensboro, GA, with one year of industry experience. Prior to his current role, he worked with Federated Mutual Insurance Company and has experience in educational institutions, including coaching at Pickens County Schools. He is currently involved as a football coach at Pickens High School. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers a range of financial planning and investment management services through a network of independent professionals, using multiple platform arrangements and proprietary and third-party model strategies tailored to client objectives.

Robert Bosart is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 65 licenses. His work history includes positions at City National Bank, Wells Fargo Clearing, and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides integrated financial planning, custody, and brokerage services.

James Fallon is a financial advisor at Cambridge Investment Research Advisors with 31 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He serves as a board member for a music and publishing company and for a technology services firm. Cambridge Investment Research Advisors is a large SEC-registered adviser serving individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management and advisory platforms.

Patricia Ware is a CFP® professional at Wells Fargo Advisors with 22 years of industry experience. She has worked at various Wells Fargo entities since 2009. She holds a 50% ownership in The Ware Financial Group LLC, a financial practice based in Greensboro, GA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing a broad range of investment and fee-based financial planning services. The firm offers specialized planning services and uses proprietary research and tools to develop tailored client recommendations.

William Cullens is a financial advisor at Cetera with five years of industry experience. He holds a Series 66 designation and has worked with firms including Piedmont Financial Partners and Steve H. Powell & Company. Cullens is also an insurance agent selling fixed insurance products. Cetera Investment Advisers serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Ralph Rhodes III is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked at Commonwealth Financial Network, Piedmont Financial Partners, Hornor Townsend & Kent Inc, and Penn Mutual Life Insurance Co. Rhodes also serves as a Georgia State Representative, a role he has held since 2015. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services to individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and consulting services alongside access to third-party money managers and operates a multi-manager platform with discretionary and non-discretionary authorities.

Scott Johnson is a CFP® with 29 years of industry experience and has been with Edward Jones since 1996. He is based in Greensboro, GA, and holds a Series 63 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of investment advisory programs and maintaining a substantial nationwide network of financial advisors and branch offices.

David Cohen is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 19 years of industry experience. His career includes roles at Cambridge Investment Research Advisors, Wells Fargo Clearing, and Wells Fargo Advisors. He is also involved as a director with Generations Wealth Advisors, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from multiple sources.

Christopher Aufleger is a financial advisor at Ameriprise with 28 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2020, following a 23-year tenure at American Express Financial Advisors Inc. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its advisory approach and operates as a large institutional firm with a broad range of advisory, brokerage, and insurance solutions.

Charles Crist is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He previously worked at BB&T Securities for six years before joining Raymond James in 2020. Outside of his advisory role, Crist serves as Chairman of the Board for United Way of St. Johns County and is a member of the Planned Giving Advisory Council for Flagler Healthcare Foundation. 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 municipalities, providing financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Randall Powers is a financial advisor at Stifel with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016, following a one-year tenure at Morgan Stanley Private Bank. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services. The firm's investment approach is based on a proprietary methodology using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.