Todd received his Bachelor of Science in Business Management from Western Carolina University (1986) and LUTCF certification from The American College (1998). During his financial career, Todd has been a Registered Securities Representative as follows: with Jefferson Pilot Securities Corp. (1997-2006); Triad Advisors, LLC. (2006-2019); and currently M.S. Howells & Co. (August 2019-present). Managing Member of Wiser Benefit Consultants, Inc. (2009-present), a commission only firm with M.S. Howells & Co., a broker/dealer. Managing Member, Chief Compliance Officer (CCO), Wiser Financial Coaching, LLC (The Firm); Investment Advisory Representative, Wiser Financial Coaching, LLC. (2007-present). In addition, Todd is an independent insurance agent (1995-present), and Managing Member, Carolina Financial Professionals, LLC., an insurance firm (2000-present). The entities referenced above are separate and not related to M.S. Howells & Co., a broker/dealer.