Terry received his LUTCF certification from The American College (2011). During his financial career, Terry has been a Registered Securities Representative as follows: Jefferson Pilot Securities Corp. (2001-2006),Triad Advisors, LLC. (2006-2019); and currently M.S. Howells & Co. (2019-present). Terry is an Investment Advisory Representative of Wiser Financial Coaching, LLC. (2007-present). In addition, he is an independent insurance agent of Carolina Financial Professionals, LLC, an insurance firm (2001-present) and Wiser Benefit Consultants, Inc. (2009-present), a commission only firm with M.S. Howells & Co., a broker/dealer. The entities referenced above are separate and not related to M.S. Howells & Co., a broker/dealer.