Gulf Coast Financial Advisors Podcast Network

Financial education and community conversations from the Gulf Coast.

Gulf Coast Financial Advisors is proud to bring you three podcasts covering everything from retirement planning and investment strategies to entrepreneurship and insurance education. Tune in on the radio or stream episodes online.

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Featured Podcast

Coasting in Retirement

Hosted by Josh Null & Michelle Melton — Airing Sundays at noon on 106.5 FM Mobile and Mondays at 10 AM on WHEP 92.5 FM / 1310 AM Foley.

Episode 85: 4 Retirement Income Strategies: Which one Wins in 2026? Ep 85

Episode 85: 4 Retirement Income Strategies: Which one Wins in 2026?

July 5, 2026
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Episode 84: How Stocks Are Actually Valued Ep 84

Episode 84: How Stocks Are Actually Valued

June 19, 2026 • 55 min
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Episode 83: A Brief History of Money Ep 83

Episode 83: A Brief History of Money

June 6, 2026 • 55 min
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Episode 82: The 3 Risks Your Portfolio Can’t Outrun Ep 82

Episode 82: The 3 Risks Your Portfolio Can’t Outrun

May 24, 2026 • 55 min
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Episode 81: What We do at GCFA Ep 81

Episode 81: What We do at GCFA

May 17, 2026 • 55 min
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Episode 80: Roth Conversions Are So Hot Right Now Ep 80

Episode 80: Roth Conversions Are So Hot Right Now

May 1, 2026 • 55 min
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Episode 79: 401(k) Rollover Sharks Ep 79

Episode 79: 401(k) Rollover Sharks

April 19, 2026 • 55 min
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Episode 78: Getting Life Insurance is…Easy? Ep 78

Episode 78: Getting Life Insurance is…Easy?

March 29, 2026 • 55 min
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Episode 76: Annuity Returns vs Advisory Account Performance Ep 76

Episode 76: Annuity Returns vs Advisory Account Performance

February 21, 2026 • 55 min
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Episode 75: The B.O.S.S. is Back! Ep 75

Episode 75: The B.O.S.S. is Back!

February 16, 2026 • 55 min
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Episode 74: Should You Own Individual Stocks? Ep 74

Episode 74: Should You Own Individual Stocks?

January 25, 2026 • 55 min
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Episode 72: Are We Raising a Generation of Gamblers? Ep 72

Episode 72: Are We Raising a Generation of Gamblers?

December 19, 2025 • 55 min
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Episode 71: Remaining Bullish in 2026 with John Luke Tyner of Aptus Capital Advisors Ep 71

Episode 71: Remaining Bullish in 2026 with John Luke Tyner of Aptus Capital Advisors

December 8, 2025 • 55 min
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Episode 70: Why Your Broker is a Dinosaur Ep 70

Episode 70: Why Your Broker is a Dinosaur

November 22, 2025 • 55 min
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Episode 69: Taxes with Sam Driver CPA Ep 69

Episode 69: Taxes with Sam Driver CPA

November 9, 2025 • 55 min
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Episode 68: Health Insurance with Jay Stubbs Ep 68

Episode 68: Health Insurance with Jay Stubbs

October 26, 2025 • 55 min
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Episode 67: The 5 Secrets of a Happy Retirement Ep 67

Episode 67: The 5 Secrets of a Happy Retirement

October 19, 2025 • 55 min
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Episode 66: Our Ideal Client Ep 66

Episode 66: Our Ideal Client

October 4, 2025 • 55 min
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Episode 65: Do I Need Life Insurance in Retirement? Ep 65

Episode 65: Do I Need Life Insurance in Retirement?

September 13, 2025 • 55 min
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Episode 64: Do Stock Market Bubbles Matter Anymore? Ep 64

Episode 64: Do Stock Market Bubbles Matter Anymore?

September 7, 2025 • 55 min
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Episode 63: Party Like it’s 1999 Ep 63

Episode 63: Party Like it’s 1999

August 31, 2025 • 55 min
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Episode 62: How to Travel Affordably in Retirement Ep 62

Episode 62: How to Travel Affordably in Retirement

August 17, 2025 • 55 min
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Episode 61: What Should I Do With My 401(k) When I Retire? Ep 61

Episode 61: What Should I Do With My 401(k) When I Retire?

July 27, 2025 • 55 min
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Coasting in Retirement Shorts: David Stidham

Coasting in Retirement Shorts: David Stidham

July 22, 2025 • 36 min
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Episode 60: How to Avoid Financial Advisor Fraud Ep 60

Episode 60: How to Avoid Financial Advisor Fraud

July 6, 2025 • 55 min
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Episode 59: The Silent Killer of your Money Ep 59

Episode 59: The Silent Killer of your Money

June 22, 2025 • 55 min
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Episode 58: Am I Ready to Retire? Ep 58

Episode 58: Am I Ready to Retire?

June 9, 2025 • 55 min
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Episode 57: The Future of Everything Ep 57

Episode 57: The Future of Everything

May 24, 2025 • 55 min
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Episode 56: Balancing Fear with FOMO Ep 56

Episode 56: Balancing Fear with FOMO

May 18, 2025 • 55 min
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Episode 55: Long Term Care with Jay Stubbs Ep 55

Episode 55: Long Term Care with Jay Stubbs

May 4, 2025 • 55 min
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Episode 54: Just Stop It Ep 54

Episode 54: Just Stop It

April 20, 2025 • 55 min
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Episode 53: Well, That Was Fun Ep 53

Episode 53: Well, That Was Fun

April 13, 2025 • 55 min
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Episode 52: Tariffs: What the Heck? Ep 52

Episode 52: Tariffs: What the Heck?

April 4, 2025 • 55 min
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Episode 51: What is Going on with the Stock Market? And How to Handle It. Ep 51

Episode 51: What is Going on with the Stock Market? And How to Handle It.

March 23, 2025 • 55 min
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Episode 50: How to Invest in 2025…and Beyond Ep 50

Episode 50: How to Invest in 2025…and Beyond

March 9, 2025 • 55 min
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Episode 49: Are Fee-Based Financial Advisors the Best Choice for Investors? Ep 49

Episode 49: Are Fee-Based Financial Advisors the Best Choice for Investors?

February 24, 2025 • 55 min
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Episode 48: Business Succession Planning Ep 48

Episode 48: Business Succession Planning

February 17, 2025 • 55 min
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Episode 47: Slaying the Stock Market Boogey-Man Ep 47

Episode 47: Slaying the Stock Market Boogey-Man

February 2, 2025 • 55 min
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Episode 46: What We Learned in 2024 and What We See Ahead for 2025 (and Beyond) Ep 46

Episode 46: What We Learned in 2024 and What We See Ahead for 2025 (and Beyond)

January 12, 2025 • 55 min
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Episode 45: Estate Planning with Jennifer King Ep 45

Episode 45: Estate Planning with Jennifer King

December 15, 2024 • 55 min
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Episode 44: The Travel Episode Ep 44

Episode 44: The Travel Episode

December 9, 2024 • 55 min
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Episode 43: The Science Behind Risk Management with Jay Stubbs Ep 43

Episode 43: The Science Behind Risk Management with Jay Stubbs

November 30, 2024 • 55 min
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Episode 42: Don’t Be Afraid of the Stock Market with JD Gardner Ep 42

Episode 42: Don’t Be Afraid of the Stock Market with JD Gardner

November 17, 2024 • 55 min
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Episode 41: When was the last time you checked your Employee Benefits? Ep 41

Episode 41: When was the last time you checked your Employee Benefits?

October 20, 2024 • 55 min
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Episode 40: Fixed Index Annuities Ep 40

Episode 40: Fixed Index Annuities

October 13, 2024 • 55 min
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Episode 39: True or False Insurance Questions Ep 39

Episode 39: True or False Insurance Questions

September 23, 2024 • 55 min
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Episode 38: Vampires Ep 38

Episode 38: Vampires

September 11, 2024 • 58 min
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Episode 37: Make God Laugh, Tell Him Your Plans Ep 37

Episode 37: Make God Laugh, Tell Him Your Plans

August 18, 2024 • 58 min
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Episode 36: How to Work With Us Ep 36

Episode 36: How to Work With Us

July 29, 2024 • 58 min
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Episode 35: How to Plan for Future Tax Increases and How Elections Effect Your Money Ep 35

Episode 35: How to Plan for Future Tax Increases and How Elections Effect Your Money

July 8, 2024 • 58 min
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Episode 34: Protecting Your Purchasing Power Ep 34

Episode 34: Protecting Your Purchasing Power

June 26, 2024 • 55 min
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Episode 60: How to Incorporate Insurance Planning with Advisory Clients Ep 60

Episode 60: How to Incorporate Insurance Planning with Advisory Clients

June 19, 2024 • 18 min
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Episode 33: Planning Strategies for Mature Business Owners Ep 33

Episode 33: Planning Strategies for Mature Business Owners

June 4, 2024
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Episode 32: 7 Fun Things To Do On The Gulf Coast Ep 32

Episode 32: 7 Fun Things To Do On The Gulf Coast

May 20, 2024 • 55 min
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Episode 31: Jay Stubbs with Providence Partners Ep 31

Episode 31: Jay Stubbs with Providence Partners

May 10, 2024 • 55 min
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Coasting in Retirement Ep 30: Growth! Ep 30

Coasting in Retirement Ep 30: Growth!

May 1, 2024 • 55 min
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Coasting in Retirement Ep 29: Needle vs Haystack: Should I buy Index Funds? Ep 29

Coasting in Retirement Ep 29: Needle vs Haystack: Should I buy Index Funds?

March 11, 2024 • 55 min
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Coasting in Retirement Ep 28: Sequence of Returns Risk and the 4% Withdrawal Rule Ep 28

Coasting in Retirement Ep 28: Sequence of Returns Risk and the 4% Withdrawal Rule

February 26, 2024 • 55 min
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Coasting In Retirement Ep 27: Is A Million Dollars Enough To Retire On? Ep 27

Coasting In Retirement Ep 27: Is A Million Dollars Enough To Retire On?

February 7, 2024 • 55 min
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Coasting in Retirement Ep 26: What Should You Do with Your 401k When You Retire? Ep 26

Coasting in Retirement Ep 26: What Should You Do with Your 401k When You Retire?

January 22, 2024 • 55 min
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Coasting in Retirement Ep 25: What we learned about money in 2023 Ep 25

Coasting in Retirement Ep 25: What we learned about money in 2023

January 8, 2024
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Coasting in Retirement Ep 24: Should You Trust the Stock Market Rally? Ep 24

Coasting in Retirement Ep 24: Should You Trust the Stock Market Rally?

December 11, 2023
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Coasting in Retirement Ep 23: Investing in a High Rate Interest Rate World Ep 23

Coasting in Retirement Ep 23: Investing in a High Rate Interest Rate World

December 4, 2023
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Coasting in Retirement Ep 22: Is a Recession Coming? Yes. Ep 22

Coasting in Retirement Ep 22: Is a Recession Coming? Yes.

November 1, 2023
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Coasting in Retirement Ep 21: Should investors pay attention to Bond Yields? Yes. Ep 21

Coasting in Retirement Ep 21: Should investors pay attention to Bond Yields? Yes.

October 24, 2023 • 55 min
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Coasting in Retirement Ep 20: Long Term Care Ep 20

Coasting in Retirement Ep 20: Long Term Care

October 9, 2023 • 55 min
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Coasting in Retirement Ep 19: Should I Manage My Own Money? Ep 19

Coasting in Retirement Ep 19: Should I Manage My Own Money?

September 29, 2023 • 55 min
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Coasting in Retirement Ep 18: Be Careful using IRS Rule 72(t) to Retire Early Ep 18

Coasting in Retirement Ep 18: Be Careful using IRS Rule 72(t) to Retire Early

September 4, 2023 • 55 min
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Coasting in Retirement Ep 17: The Good, the Bad and the Ugly of Roth Conversions & Back-Door Roths Ep 17

Coasting in Retirement Ep 17: The Good, the Bad and the Ugly of Roth Conversions & Back-Door Roths

August 24, 2023
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Coasting in Retirement Ep 16: I Wanna Talk About Me!! Ep 16

Coasting in Retirement Ep 16: I Wanna Talk About Me!!

August 7, 2023 • 55 min
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Coasting in Retirement Ep 15: Is this as good as it gets? A discussion on fixed interest rates Ep 15

Coasting in Retirement Ep 15: Is this as good as it gets? A discussion on fixed interest rates

July 17, 2023 • 55 min
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Coasting in Retirement Ep 14: How Not to Screw up Passing on Your Wealth Ep 14

Coasting in Retirement Ep 14: How Not to Screw up Passing on Your Wealth

June 27, 2023 • 55 min
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Coasting in Retirement Ep 13: 5 Things to Simply Ignore in Retirement Ep 13

Coasting in Retirement Ep 13: 5 Things to Simply Ignore in Retirement

June 15, 2023
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Coasting in Retirement Ep 12: The 5 Biggest Threats to Your Nest Egg Ep 12

Coasting in Retirement Ep 12: The 5 Biggest Threats to Your Nest Egg

May 25, 2023
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Coasting in Retirement Ep 11: Diamonds are a girl’s best friend, but not an investors: 5 investments to avoid in retirement Ep 11

Coasting in Retirement Ep 11: Diamonds are a girl’s best friend, but not an investors: 5 investments to avoid in retirement

May 8, 2023 • 55 min
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Coasting in Retirement Ep 10: Nervous About Your Money? Try These 4 Steps Ep 10

Coasting in Retirement Ep 10: Nervous About Your Money? Try These 4 Steps

April 18, 2023 • 55 min
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Coasting in Retirement Ep 9: Everything Everywhere financially falling apart all at once Ep 9

Coasting in Retirement Ep 9: Everything Everywhere financially falling apart all at once

March 29, 2023 • 55 min
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Coasting in Retirement Ep 8: How The Recent Bank Collapses Are Related To Bonds And Interest Rates Ep 8

Coasting in Retirement Ep 8: How The Recent Bank Collapses Are Related To Bonds And Interest Rates

March 19, 2023 • 55 min
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Coasting in Retirement Ep 7: 5 Ways to Generate Income in Retirement, Part 2 Ep 7

Coasting in Retirement Ep 7: 5 Ways to Generate Income in Retirement, Part 2

March 12, 2023
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Coasting in Retirement Ep 6: 5 Ways to Generate Income in Retirement, Part 1 Ep 6

Coasting in Retirement Ep 6: 5 Ways to Generate Income in Retirement, Part 1

March 5, 2023
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Coasting in Retirement Ep 5: Part 2 of the Top 7 Financial Intentions that every retiree and pre-retiree should have for 2023! Ep 5

Coasting in Retirement Ep 5: Part 2 of the Top 7 Financial Intentions that every retiree and pre-retiree should have for 2023!

January 25, 2023
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Coasting in Retirement Ep 4: The Top 7 Financial Intentions Retirees & Pre-Retirees Should Have For 2023 Part 1 Ep 4

Coasting in Retirement Ep 4: The Top 7 Financial Intentions Retirees & Pre-Retirees Should Have For 2023 Part 1

January 11, 2023
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Coasting in Retirement Ep 3: Are annuities good or bad? An honest discussion Ep 3

Coasting in Retirement Ep 3: Are annuities good or bad? An honest discussion

January 5, 2023
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Coasting in Retirement Ep 2: The collapse of crypto exchange FTX and other shady investments to avoid Ep 2

Coasting in Retirement Ep 2: The collapse of crypto exchange FTX and other shady investments to avoid

January 1, 2023
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Coasting in Retirement Ep 1: Investments & Inflation Ep 1

Coasting in Retirement Ep 1: Investments & Inflation

December 17, 2022 • 55 min
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Education Series

Every Dollar Counts

Hosted by Josh Null & Jay Stubbs — Straightforward conversations about investments, insurance, and making your money work harder.

Episode 63: How to Work with Josh & GCFA Ep 63

Episode 63: How to Work with Josh & GCFA

August 6, 2024 • 21 min
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Episode 64: How to Work With Jay & Providence Partners Ep 64

Episode 64: How to Work With Jay & Providence Partners

August 6, 2024 • 21 min
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Episode 62: Disability Income & BOE for Financial Advisor’s Clients Ep 62

Episode 62: Disability Income & BOE for Financial Advisor’s Clients

August 5, 2024 • 30 min
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Episode 61: RIAs, IMOs, BGAs: What Financial Advisors Need to Know Ep 61

Episode 61: RIAs, IMOs, BGAs: What Financial Advisors Need to Know

June 26, 2024 • 15 min
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Episode 59: Making the Leap to Being an Independent Financial Advisor Ep 59

Episode 59: Making the Leap to Being an Independent Financial Advisor

June 12, 2024 • 18 min
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Episode 58: Re-Launch! Ep 58

Episode 58: Re-Launch!

June 5, 2024 • 18 min
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We’re Living A Country Song

We’re Living A Country Song

July 17, 2022 • 22 min
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Bear vs Bull Markets

Bear vs Bull Markets

July 14, 2022 • 19 min
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Fear of Missing Out (FOMO)

Fear of Missing Out (FOMO)

July 10, 2022 • 23 min
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How do interest rate hikes affect income annuities?

How do interest rate hikes affect income annuities?

April 12, 2022
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How to pay for Long Term Care

How to pay for Long Term Care

April 12, 2022 • 22 min
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What is Risk Tolerance?

What is Risk Tolerance?

April 7, 2022 • 26 min
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Women of Mobile Bay: Michelle Lee Melton, J.D.

Women of Mobile Bay: Michelle Lee Melton, J.D.

March 12, 2022 • 23 min
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Podcastable and Verbalicious – The EDC Podcast Recap!

Podcastable and Verbalicious – The EDC Podcast Recap!

December 17, 2021 • 22 min
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Which Type Of IRA Is Best For Me?

Which Type Of IRA Is Best For Me?

November 19, 2021 • 28 min
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Year End Personal Financial Assessment

Year End Personal Financial Assessment

October 18, 2021 • 19 min
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Disability Income and the Owner Operator

Disability Income and the Owner Operator

August 26, 2021 • 21 min
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Should I Trust the Stock Market?

Should I Trust the Stock Market?

August 24, 2021
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Who Needs Estate Planning?

Who Needs Estate Planning?

July 11, 2021 • 18 min
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The Tech We Use To Serve Our Clients

The Tech We Use To Serve Our Clients

June 23, 2021 • 23 min
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What impact has Covid had on life insurance underwriting?

What impact has Covid had on life insurance underwriting?

March 2, 2021 • 26 min
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Who are these guys? Getting To Know The Hosts!

Who are these guys? Getting To Know The Hosts!

February 24, 2021 • 19 min
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What is the Best Retirement Plan for a Business Owner?

What is the Best Retirement Plan for a Business Owner?

January 15, 2021 • 22 min
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What Do Plan Sponsors Gain From Benchmarking Their 401k Plans?

What Do Plan Sponsors Gain From Benchmarking Their 401k Plans?

January 8, 2021 • 17 min
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Wealth Transfer Planning and the Estate Tax Exemption

Wealth Transfer Planning and the Estate Tax Exemption

November 21, 2020 • 22 min
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Financial Wellness in a Covid World

Financial Wellness in a Covid World

November 10, 2020 • 22 min
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The Top 5 Things On The Mind of Gulf Coast Area Business Owners

The Top 5 Things On The Mind of Gulf Coast Area Business Owners

October 27, 2020 • 29 min
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How the New Electronic Disclosure Rule affects your 401k Plan!

How the New Electronic Disclosure Rule affects your 401k Plan!

October 27, 2020 • 19 min
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How The CARES Act Is Impacting 401k Plans

How The CARES Act Is Impacting 401k Plans

October 16, 2020 • 17 min
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Business Owner Strategies & Solutions Kick-off!

Business Owner Strategies & Solutions Kick-off!

January 23, 2020 • 13 min
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First Show!

First Show!

November 24, 2019 • 16 min
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Education Series

Focus on the 5

Focus on the Five Episode 2: Jon Jiovenetta with That’s My Dog and More Ep 2

Focus on the Five Episode 2: Jon Jiovenetta with That’s My Dog and More

February 21, 2025
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Focus on the 5 – Josh Null with Gulf Coast Financial Advisors

Focus on the 5 – Josh Null with Gulf Coast Financial Advisors

February 18, 2025
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Education Series

General

How will the upcoming election impact Taxes, Stimulus & the Stock Market?

How will the upcoming election impact Taxes, Stimulus & the Stock Market?

November 2, 2020
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Double whammy: the impact of Covid & Hurricane Sally to the Gulf Coast

Double whammy: the impact of Covid & Hurricane Sally to the Gulf Coast

September 29, 2020
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How 401k plans have evolved over the years and the impact to plan participants

How 401k plans have evolved over the years and the impact to plan participants

August 12, 2020
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How Business Owners & Plan Sponsors can reduce liability with their 401k plans

How Business Owners & Plan Sponsors can reduce liability with their 401k plans

July 24, 2020
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401k Target Date Funds are NOT all the same

401k Target Date Funds are NOT all the same

July 23, 2020
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Why plan sponsors should benchmark their 401k plans every 3 years

Why plan sponsors should benchmark their 401k plans every 3 years

July 22, 2020
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Why diversification is important when investing during a crisis

Why diversification is important when investing during a crisis

April 29, 2020
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SEO: Why it matters to building your brand

SEO: Why it matters to building your brand

March 31, 2020
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How to build a brand on a limited budget

How to build a brand on a limited budget

March 30, 2020
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How using video can build your brand – even during a time of crisis

How using video can build your brand – even during a time of crisis

March 26, 2020
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How an Employee Stock Ownership Plan (ESOPs) works

How an Employee Stock Ownership Plan (ESOPs) works

March 19, 2020
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How to use Non-Qualified Deferred Comp plans as “golden handcuffs” for your key employees

How to use Non-Qualified Deferred Comp plans as “golden handcuffs” for your key employees

March 5, 2020
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How small business owners can use Cash Balance plans as a Defined Benefit retirement option

How small business owners can use Cash Balance plans as a Defined Benefit retirement option

February 13, 2020
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How do I fund a Buy / Sell Agreement?

How do I fund a Buy / Sell Agreement?

February 6, 2020
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When should I start thinking about a Succession Plan for my business?

When should I start thinking about a Succession Plan for my business?

January 30, 2020
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There’s more to your 401k than you think!

There’s more to your 401k than you think!

November 27, 2019
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What are the secrets of high net-worth investors?

What are the secrets of high net-worth investors?

November 26, 2019
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What are the 4 ways to pay for Long Term Care?

What are the 4 ways to pay for Long Term Care?

November 25, 2019
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Education Series

Wealth in Waves

Wealth in Waves Ep 17: Succession Planning & The Walk Off Home Run Ep 17

Wealth in Waves Ep 17: Succession Planning & The Walk Off Home Run

August 18, 2023 • 55 min
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Wealth in Waves Ep 18: The difference between Tax Planning and Tax Preparation Ep 18

Wealth in Waves Ep 18: The difference between Tax Planning and Tax Preparation

August 18, 2023
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Wealth in Waves Ep 19: Wills & Trusts Ep 19

Wealth in Waves Ep 19: Wills & Trusts

August 18, 2023
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Wealth in Waves Ep 16: Golden Handcuffs Ep 16

Wealth in Waves Ep 16: Golden Handcuffs

August 17, 2023
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Wealth in Waves Ep 15: Cash Balance Plans Ep 15

Wealth in Waves Ep 15: Cash Balance Plans

August 16, 2023
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Alternative To A Roth IRA

Alternative To A Roth IRA

January 20, 2022 • 15 min
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Pooled Employer Plans (PEP)

Pooled Employer Plans (PEP)

January 19, 2022 • 14 min
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Legal Ways to Defer Income Taxes

Legal Ways to Defer Income Taxes

January 7, 2022 • 20 min
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Biz Owners: 5 Things to do by Year End

Biz Owners: 5 Things to do by Year End

October 6, 2021 • 21 min
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401k Plans and the Business Owner

401k Plans and the Business Owner

July 12, 2021 • 15 min
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Lee Lawson of Baldwin County Economic Development Alliance

Lee Lawson of Baldwin County Economic Development Alliance

July 11, 2021 • 23 min
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The Impact of Inflation on Our Everyday Lives

The Impact of Inflation on Our Everyday Lives

July 11, 2021 • 19 min
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Here a tax, there a tax, everywhere a tax, tax

Here a tax, there a tax, everywhere a tax, tax

April 16, 2021 • 15 min
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How to Avoid Unintended (& Unwanted) Business Partners

How to Avoid Unintended (& Unwanted) Business Partners

April 16, 2021 • 17 min
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How to keep your best employees loyal!

How to keep your best employees loyal!

April 16, 2021 • 17 min
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Is there a fiduciary-based way to create lifetime income?

Is there a fiduciary-based way to create lifetime income?

April 16, 2021
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Can a Small Business Owner create their own Pension?

Can a Small Business Owner create their own Pension?

April 14, 2021 • 22 min
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Wealth in Waves Origin Show!

Wealth in Waves Origin Show!

April 12, 2021
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Have a question about something you heard?

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Schedule a Conversation

Or call us at (251) 327-2124

Gulf Coast Financial Advisors LLC (“GCFA”) is an investment adviser registered with the states of Alabama and Texas. Registration does not imply a certain level of skill or training. GCFA provides investment advisory services only in jurisdictions where it is properly registered, has made the required notice filings, or qualifies for an exemption or exclusion from registration or notice filing requirements. Nothing contained herein should be construed as legal, tax, or investment advice, or as a solicitation to engage in any specific securities transaction or investment strategy. Personalized investment advice is provided only through direct communications with GCFA’s duly authorized investment adviser representatives. Gulf Coast Financial Advisors, LLC | 561 Fairhope Ave, STE 202B | Fairhope, AL 36532 | 251.327.2124 | www.gulfcoastfa.com