Todd received his Bachelor of Science in Business Management from Western Carolina University (1986) and his 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); with Triad Advisors, LLC (2006-2019). Todd was formerly the Managing Member and Chief Compliance Officer (CCO) of Wiser Financial Coaching, LLC, as well as an Investment Advisory Representative of Wiser Financial Coaching, LLC (2007-2021).
Todd’s current status is Registered Representative with M.S. Howells & Co., a broker/dealer (August 2019-present). He is the Owner/President of Wiser Benefit Consultants, Inc. (2009-present), a commission-only firm. M.S. Howells & Co. and Wiser Benefit Consultants, Inc. are separate and not related entities.
Todd’s current position is Investment Advisory Representative of Wealthcare Advisory Partners LLC. He is the Owner/Chief Executive Officer of Wiser WealthCare, Inc., a fee-only branch of Wealthcare Advisory Partners LLC. Wealthcare Advisory Partners LLC and Wiser WealthCare, Inc. are separate and not related entities.
Finally, Todd is an independent insurance agent (1995-present), and Owner/Managing Member of Carolina Financial Professionals, LLC., an insurance firm (2000-present).
All entities referenced above are separate and not related to M.S. Howells & Co., a broker/dealer.