Tommie Goggans is the sole advisor at Goggans Group Inc, an independent firm based in Gadsden, Alabama. He holds Series 63 and Series 65 licenses and has 21 years of industry experience, including 13 years with Goggans Group Inc. Goggans Group Inc is a fee-only investment adviser serving individual and small business clients with discretionary portfolio management and integrated financial planning. The firm emphasizes asset allocation and primarily uses exchange-traded funds, supplemented by stocks and bonds, to manage portfolios on a discretionary basis while incorporating client preferences and market conditions.

Charles Johnson is a financial advisor at Longview Financial Advisors, Inc. in Glencoe, AL, holding a Series 65 designation with six years of industry experience. He has been with Longview Financial Advisors since 2010. Longview Financial Advisors provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm employs a research-driven, multi-asset class approach and offers discretionary and non-discretionary advisory services, pension consulting, and planning-only engagements.

Michael Hindman is a financial advisor at Belpointe Asset Management LLC with 19 years of industry experience. He has been with Belpointe since 2016. Outside of his advisory work, he serves in leadership roles for several nonprofit organizations, including as board chairman of the Wesley Foundation and the Jacksonville Commercial Development Authority, and as treasurer for the Institute of Clergy Excellence and Calhoun/Cleburne County Habitat for Humanity. Belpointe Asset Management is a multi-team registered investment adviser with over 160 advisors managing more than $7.5 billion for individuals, corporations, trusts, and other advisers. The firm offers discretionary investment management, financial planning, and retirement-plan consulting through customized portfolios, model portfolios, and third-party manager relationships.

John Day II is a financial advisor at Level Four Advisory Services with one year of industry experience. He holds a Series 66 designation and previously worked at Bain & Company for seven years. His background also includes roles at AssetVault and the University of Virginia. Level Four Advisory Services is an SEC-registered investment adviser managing approximately $6.5 billion and serving individuals, corporations, retirement plans, and municipal entities. The firm provides financial planning, asset management, retirement-plan consulting, and fiduciary services through model portfolios, wrap platforms, and sub-advisors.

Bryan Mc Cain is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has been with T. Rowe Price since 2017 and previously worked at Mutual of Omaha Insurance Company and Mutual of Omaha Investor Services from 2016 to 2017. T. Rowe Price Advisory Services offers a retirement-focused advisory service that combines financial planning, retirement income planning, and discretionary investment management using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The service targets individual investors and households aiming for retirement goals and features electronic enrollment and proprietary fund investments.

Brian Nelson is a financial advisor with Cetera who holds Series 65 and Series 63 credentials and has 19 years of industry experience. His prior work includes roles at OSAIC, N&P Private Wealth Management, SagePoint Financial, and MWA Financial Services. Outside of his advisory work, he is a co-founder and board member of Mayhem Missions, a fitness-based nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and maintains over $256 billion in assets under management through more than 10,000 advisors.

Micah Langston is a Financial Advisor with Merrill Lynch Wealth Management, serving individuals, families, and small business owners by providing personalized financial guidance. He focuses on building strong relationships and understanding clients' unique goals to deliver strategies aimed at growing, preserving, and effectively using wealth. Micah emphasizes a planning-first approach that aligns financial decisions with broader life priorities, including retirement planning, investment management, risk management, and multigenerational planning. He holds a Bachelor's Degree from the University of Alabama System and maintains the Personal Investment Advisor (PIA) designation. His expertise includes employee benefits planning, managing new wealth, personal retirement planning, small business strategies, and working with clients in sports and entertainment sectors. Micah is also involved with professional and community organizations such as the Church of the Highlands, and volunteers with the Local Juvenile Center, Ronald McDonald House, and Samaritan's Purse - Operation Christmas Child. Outside of his professional role, Micah enjoys golfing, painting, pickleball, skiing, table tennis, and volleyball.

Alicia Guyton is a financial advisor at Merrill with 42 years of industry experience. She has been with Merrill since 1987 and is currently associated with Bank of America. Guyton holds Series 63 and Series 65 licenses. Outside of her advisory role, she owns a business organization named CJRplus LLC. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Gregory Cole is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on building customized financial strategies tailored to clients' specific needs, drawing on a comprehensive understanding of their personal circumstances beyond purely financial data. He works closely with clients to help them pursue their long-term wealth management objectives amid varying market conditions and life events. Gregory's expertise encompasses family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his Bachelor's degree from Auburn University. Outside of his professional responsibilities, Gregory is involved in the community as a youth sports coach. He also has interests in football, reading, soccer, traveling, and spending time with his family.

Katie Smith is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has been with LPL Financial since 2018 and also works with Money Matters. Outside of her advisory role, she is a part-time consultant for Mary Kay cosmetics. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, with a platform supporting both discretionary and non-discretionary investment strategies.

Lynn Young is a financial advisor with Raymond James & Associates in Gadsden, AL, holding a Series 66 designation and 18 years of industry experience. Prior to joining Raymond James in 2021, Lynn worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Kandice Gupta is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been associated with Cetera Investment Advisers LLC since 2017 and leads K & K Financial Group, her own financial practice, since 2005. Outside of finance, she teaches spin cycling classes at Willmore Total Fitness and is involved in sales of vitamins and oils, as well as serving as a member of Southside Baptist Church. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving a diverse client base, including individuals, retirement plans, corporations, and institutions. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and customized strategies across various program and custodial structures.

Andrew Smith is a Series 66-licensed financial advisor with seven years of industry experience, currently affiliated with Cetera in Gadsden, AL. Prior to joining Cetera, he worked at Avantax Advisory Services and has maintained a tax preparation business under his own name. Smith serves as treasurer for both the Kiwanis Club of Gadsden and The Episcopal Church of the Holy Comforter, where he handles financial reconciliations and reporting. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including discretionary and non-discretionary strategies, and oversees approximately $256 billion in assets through a network of over 10,000 advisors.

Jason Copeland is a CFP® with 26 years of industry experience and is currently an advisor at Wells Fargo Advisors. He has worked with various Wells Fargo entities since 2009. Outside of his advisory role, he serves as a high school football official for the Alabama High School Athletic Association. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with clients able to choose whether and how to implement recommendations.

Carl Hart is a financial advisor with LPL Financial, holding CFP® and Series 63 credentials and bringing 28 years of industry experience. His work history includes roles at Cetera Advisor Networks, Summit Financial Group, Lincoln Investment, and Concourse Financial Group Securities. He has also operated The Money Coach, doing business as Money Matters, since 2014, and maintains involvement with Navigo, LLC. 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, third-party asset management access, and institutional platforms.

Adam Sollie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Wachovia Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Baylor Millhoff is a Series 66-licensed financial advisor with Cambridge Investment Research Advisors and has two years of industry experience. His prior work includes positions at Emblem Credit Union, LPL Financial, Alabama Teachers Credit Union, Auburn University, and Southside High School. Millhoff is also involved in insurance and benefits activities and operates under the DBA Holt Wealth Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent advisors, utilizing various portfolio management strategies and platform arrangements tailored to client objectives.

Lana Watwood is a Series 66-licensed financial advisor with Merrill in Gadsden, AL, with 23 years of industry experience. She has been with Merrill since 2000 and has concurrently worked at Bank of America since 2019. Outside of her advisory role, Watwood teaches aerobics classes and serves on the stewardship committee for her local church. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, combining internal Chief Investment Office models and third-party managers.

John Holt is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at LPL Financial, Emblem Credit Union, and Alabama Teachers Credit Union. Outside of his advisory role, Holt serves as vice president and board member of the Westbrook Youth Football Association in Gadsden, AL. 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 advisory services through a network of independent financial professionals utilizing a variety of discretionary and non-discretionary strategies across multiple platforms.

Dawn Lucy is a Financial Advisor with Merrill Lynch Wealth Management, based in downtown Gadsden. She has over 18 years of experience in the financial services industry, focusing on individuals, couples, families, and small business owners. Dawn helps create tailored financial strategies that prioritize building a legacy alongside financial security. Her expertise includes family wealth management strategies, legacy planning, women and wealth, and tax minimization. Dawn holds a Bachelor's Degree from the University of South Alabama and holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Personal Investment Advisor (PIA). She engages closely with her clients to understand their unique needs and goals, providing ongoing advice and guidance as their financial situations evolve. Outside of her professional work, Dawn is actively involved in her local community, serving in roles such as Etowah County United Way Loaned Executive and Etowah County Chamber Ambassador. She is also a member of Gadsden Altrusa and Gadsden Rotary Club and volunteers annually with United Way Day of Action. Dawn and her husband, Steve, are involved in their church community, where Steve has served as a bi-vocational pastor for over 21 years. They enjoy spending time together hiking, kayaking, attending concerts, and various outdoor activities.

Clayton Simmons is a CFP® professional with 29 years of industry experience, currently with Wells Fargo Advisors since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He holds partial ownership in two investment-related businesses, Simmons & Starzl Wealth Management LLC and Baystreet Management LLC, both based in Gadsden, Alabama. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of financial planning and investment services. The firm offers tailored recommendations using proprietary research and planning tools, providing clients with discretionary implementation options across various brokerage and advisory programs.

Tana Norris is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked in various roles within Wells Fargo since 2009. Outside of her advisory work, she is involved in managing rental property in Panama City Beach, FL. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, supported by proprietary research and planning tools.

Bobby Bright is a financial advisor with Osaic Wealth, Inc. based in Gadsden, Alabama, holding Series 63 and Series 65 credentials with 11 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation and The Prudential Insurance Company of America. Outside of his advisory duties, he owns Bright Consulting, an entity established for tax purposes. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and offering portfolios that include stocks, bonds, mutual funds, ETFs, and alternative investments.

Patrick Johnson is a financial advisor with LPL Financial, holding a Series 63 designation and 23 years of industry experience. He has been with LPL Financial since 2011 and also operates XBA Financial Services. Outside of his advisory roles, he has bank duties at The Exchange Bank of Alabama and is involved in non-variable insurance through Osborn Insurance Group. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms such as the Bank Wealth Program.

Shannon Lusk is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. Prior to joining LPL Financial in 2022, Lusk worked at Infinex Investments, Inc. for nine years and BancorpSouth Investment Services, Inc. for one year. Outside of financial advising, Lusk is a business owner of EZ Living RV Park in Crossville, Alabama. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Lucy Edwards is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at several firms including BBVA Securities Inc. and Compass Bank. Edwards also serves as a trustee in a trust based in Decatur, Alabama. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques and offers both direct and employer-sponsored financial planning services.

Jeffrey Little is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He also serves in a political capacity with the City of Glencoe, AL. Raymond James & Associates, Inc. is a large broker‑dealer and SEC‑registered investment adviser managing approximately $501 billion in assets. The firm serves individual, institutional, and municipal clients, offering financial planning and non‑discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Christopher Reynolds is a CFP® professional with 23 years of experience in the financial services industry. He currently works at Wells Fargo Advisors and has held previous roles within Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is a 33% owner of Legacy Wealth Management LLC in Gadsden, AL. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized niche planning, and employs proprietary research and tools to develop tailored recommendations for clients.

Jeffrey Little is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Prior to his advisory role, he worked at Hewlett Packard Enterprise and The University of Alabama. He is a minority owner of a rental real estate LLC without decision-making responsibilities. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles supported by extensive research and affiliated sub-advisers.

Donald Davis is a financial advisor with Edward Jones, 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. The firm manages approximately $1.01 trillion in assets and offers diverse advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robert Starzl is a CFP®-certified financial advisor with 29 years of experience, currently with Wells Fargo Advisors since 2021. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Outside of his primary work, he co-owns Simmons & Starzl Wealth Management LLC and Baystreet Management LLC, and serves as co-trustee for a related 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning and investment services, utilizing proprietary research and tools to develop tailored recommendations, with optional implementation through its brokerage or advisory programs.

Todd Edmondson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Cetera since 2013 and also has a background at Regions Bank beginning the same year. Edmondson serves on several community boards, including the Gadsden Housing Authority, the Big Oak Fire Department, the Salvation Army, and the Family Success Center. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management, financial planning, and retirement services through a multi-manager platform and maintains significant scale with over $256 billion in assets under management and more than 10,000 advisors.

Walter Duke Jr. is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 47 years of industry experience. He has worked at Merrill since 1979 and concurrently at Bank of America since 2010. Outside of his advisory role, he serves on investment committees for Holy Comforter Church and School, participates on the Turrentine Avenue Architectural Review Board, and is president of the 5-W recreational club in Ohatchee, Alabama. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Thomas Smith is a CFP® with 33 years of experience in financial services, currently affiliated with Cetera. He has extensive prior experience at Avantax Insurance Services, LLC and Avantax Advisory Services. Smith has served in a civic capacity as secretary and treasurer of the Kiwanis club. He also prepares personal income tax returns as part of his professional activities. Cetera Investment Advisers LLC is a multi-manager platform serving individual, institutional, and retirement plan clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using discretionary and non-discretionary authorities across various program structures.

Stephen Platt is a financial advisor with Edward Jones in Jacksonville, Alabama. He holds the Series 66 designation and joined Edward Jones in 2025. Prior to his current role, he spent ten years with Vapor Ministries and worked briefly at Domtar. He is also an independent contractor with Growthstream. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, separately managed accounts, and affiliated mutual funds through a nationwide network of financial advisors.

Rovelyn Yates is a financial advisor at Merrill with the Series 66 designation and two years of industry experience. She has worked at Merrill since 2018 and previously held positions at Wakefields Inc. and Raymond James Financial. 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 tailored for individuals, high-net-worth clients, and institutional investors.

John Barcomb is a financial advisor at Edward Jones with 21 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2005. 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 under management and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.

Tanner Hammett is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing two years of industry experience. His work history includes roles at Wells Fargo Bank, N.A. and Johnsons Giant Food. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm utilizes research and analytics to guide investment decisions and offers a range of financial products through its bank and insurance affiliates.

Tanner Kennedy is a financial advisor at Cetera with four years of industry experience and holds a Series 66 designation. His prior roles include positions at K&K Financial and OSAIC. Outside of advising, he is involved with K&K Financial Group, an investment-related business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Michael Robinson is a financial advisor at Edward Jones with 12 years of industry experience. He holds the ChFC® designation and Series 66 license and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated capabilities, managing approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors.

James Hedgspeth III is a Series 66-licensed financial advisor at Morgan Stanley with six years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Alabama Teachers Credit Union, LPL Financial, Wells Fargo Clearing, and First Federal Mortgage. He serves as Secretary and board member of the James M Barrie Child Advocacy Center, a nonprofit focused on child abuse advocacy in Gadsden, Alabama. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes supported by firm-approved tools and offers a broad range of retail and institutional investment solutions.

Brandon Ashley is a financial advisor at OSAIC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Securities and Pruco Securities LLC, as well as The Prudential Insurance Company of America. Outside of his advisory role, he owns and operates American Wealth Management, offering insurance products including accident, health, life insurance, and Medicare supplements. OSAIC serves a diverse client base including retail and institutional investors, providing integrated brokerage, investment advisory services, and access to various managed account solutions. The firm employs a range of asset-allocation tools and supports a broad spectrum of investment vehicles across discretionary and non-discretionary management platforms.

James Henderson is a Senior Resident Director at Merrill Lynch Wealth Management. He has been part of the financial services industry since 2011 and joined Merrill Lynch in 2014. In his role, he works with individuals, families, and businesses to identify their short- and long-term financial goals, including retirement assets, education funding, and lending needs. He provides clients with access to Merrill's investment resources and the banking convenience of Bank of America to address various aspects of their financial lives. James focuses on a consultative, goals-based wealth management process. He takes time to understand each client's financial situation, preferences, and goals, then offers recommendations aligned with their income and growth objectives. His expertise includes investments, retirement, estate planning, insurance, lending solutions, and philanthropic services. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned both a Bachelor of Science in Finance and a Master of Business Administration from Auburn University. James and his wife, Laura, live in Gadsden, Alabama, with their children. They are members of MeadowBrook Baptist Church where James teaches Sunday School. He is involved in community activities, including volunteering with the United Way of Etowah County. His personal interests include camping, cooking, football, gardening, hiking, hunting, music, traveling, woodworking, and spending time with his family.