Carter Terry and Company

Our Associates

Our staff of brokers and administrators combine industry expertise with superior customer care. Our brokers have upwards of 15 years of experience in financial planning, and many of them came to Carter, Terry & Company from a large warehouse seeking to offer clients a more personalized approach for their individual needs. Our associates also have their finger on the pulse of the industry. Through continuing education and avid interest, they stay apprised of industry trends and new regulations. You can trust any member of our team to provide you with service and guidance that is consistent with the very best that you would receive from a large firm.

Brian E. Adams

Brian E. Adams is a Registered Representative with Carter, Terry & Company. Brian graduated with a Bachelor of Arts from the University of Florida and began his career in financial services in Jacksonville, Florida in 1997. Brian has been with CT&C since July of 2001. Brian holds FINRA registrations for Series 7, 63, 65 and 31. In addition, Brian holds both a Life and Health insurance license.

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Adam Cabibi

Mr. Cabibi serves as Managing Director. He brings 30 years of experience to the oversight of all structured financing activities and Portfolio Construction. From 2005 to 2010, he was also the general partner of a proprietary hedge fund called Icon Capital Partners LP, which was a micro-cap fund with a concentration in Private Equity transactions. Adam has collectively banked or participated as a principal in over 300 Private transactions and raised more than $1 Billion in debt and equity. Mr. Cabibi spent seven years with Deutsche Bank where he focused on servicing and advising middle market institutional funds, corporations, family offices and Defined Benefit plans. Mr. Cabibi has had significant success in larger structured derivative transactions and is co-responsible for the introduction and launching of Deutsche Bank's Private Placement Insurance program. During his ten-year career at Bear Stearns he focused on concentrated equity positions as a risk management for high net worth asset allocation. Mr. Cabibi was an Electrical Engineer from the Georgia Institute of Technology and graduated with Cum Laude honors and a Bachelor of Business Administration in Finance from Georgia State University.

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Belfield H. Carter, III.

Belfield H. Carter III is a Registered Representative with Carter, Terry & Company. Belfield is a native of Atlanta, and a graduate of the University of Georgia. While attending UGA he earned both a Bachelor and Master Degree with concentrations in Finance and Investments. He has eight years of experience in the financial services industry and currently holds FINRA series 7, 6 and 63 registrations.

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J. Gary Diffley

Gary Diffley is a Senior Vice President and National Sales Director of CT&C. A native of Atlanta, and a graduate of the University of Georgia, he has over 22 years of experience in the investment industry, working with Alex Brown & Sons, Morgan Stanley, and Wachovia Securities. Gary holds series 7, 63, 65, 3 and 8 licenses.

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Paul Dranove

Paul Dranove is a Senior Vice President at CT&C.

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Tommy Ellis

Tommy Ellis, Vice President of Investments, is a graduate of Georgia State University. Before joining the firm in 2001, he worked for Marine Bank & Trust Co., Argent Securities, Stoneworth Securities, Norris & Hirshberg, and Courtis.

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Robert Eramian

Managing Director, AGCM Financial LLC. Mr. Eramian’s duties include the structuring and sale of Private Placement transactions. Mr. Eramian works closely with Private Family Offices, Hedge Funds and Investment Advisors. Additionally, he advises companies how to prepare themselves to enter the capital markets.

2002 – 2005 National Sales Manager for Philadelphia Financial Group, a wholly owned subsidiary of Phoenix Insurance (PNX- NYSE) the leader in private placement contracts. Specialized in contracts, which included alternative investment vehicles. During Mr. Eramian’s tenure, PFG’s Separate Accounts grew from approximately $800 Million to in excess of $2.5 Billion. Firm was recently acquired by Blackstone. Prior to that, Bob was charged with launching a Private Placement program for Deutsche Bank. He researched and evaluated prospective vendors, established private placement programs and worked with Advisors throughout the Deutsche Bank and Bankers Trust’s Private Bank systems. These offering were designed exclusively for the high net worth clients. N.I.C. - Was Co-Founder and First Chairman of N.I.C., the preeminent conference for the long term care and senior living industry in the United States for nearly 25 years. N.I.C. was designed to match capital with operators.

From 1994 – 2000. Mr. Eramian served as the CEO of Iatros Healthcare Corp, a publicly traded Assisted Living company. Responsible for growing a small, publicly traded, health care company with one facility and a negative net worth to over 50 facilities and a market capitalization of approximately $250 Million in two years.

Bob began his financial career at Bear Stearns in 1983. He focused on fixed income, special situations and bankruptcy restructuring. Created two new business lines (healthcare and senior living) for large corporate client through Merger & Acquisitions.

Mr. Eramian received his BA Merrimack College in 1966, MA Dayton University in 1967, PhD/ ABD Emory University in 1980, where he also taught. He was selected as a US Scholar to Greece at the Institute of Balkan Studies in 1980. He also studied at Harvard University, Boston University, Universidad Jaime Balmes, Mexico and Universitat Wien in Vienna, Austria.

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Edward A. (Gary) Fausti

Gary Fausti is a Senior Vice President of the firm. He is a graduate of the US Air Force Academy (B.S.), UCLA (MBA), University of W. Georgia (M.A.). He was NCAA Scholar Athlete of the Year. He is a decorated Vietnam Combat Veteran. Prior to joining Carter, Terry & Company, he was a Senior Vice President at Prudential Bache, Paine Webber and Fidelity National.

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David Frommer

Mr. Frommer joined Carter, Terry & Company, Inc. in 2012 and brings 30 years of structured and institutional financing experience to the firm. Mr. Frommer spent 4 years structuring and placing PIPE transactions at Hartsfield Capital Securities. Prior to Hartsfield Capital, Mr. Frommer spent 4 years at Global Capital Advisors serving various functions in their private placement group. In 1993, Mr. Frommer was a Vice President at Josenthal Lyon and Ross, a NYSE member firm and worked with high net worth individuals. From 1989-1993 Mr. Frommer was an account executive with Bear Stearns, servicing high net worth clients in equities and asset management. Mr. Frommer began his career in 1987 at Thompson Mckinnon Securities as an account executive.

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Rita H. Garaffo

Throughout her working career Ms. Garaffo has held senior administrative positions in the investment, insurance and automotive industries. Currently her responsibilities include serving the administrative needs of the president and acting as the firm liaison with outside service providers.

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Chris Georgia

Chris Georgia serves as Chief Investment Officer at Carter, Terry & Company. He brings 22 years of experience in securities analysis, investment management and investment risk oversight having worked in a variety of capacities. Chris spent the last 11 years at U.S. Trust where he held the titles of Portfolio Manager, Regional Investment Executive and Division Investment Executive. In his divisional role, he was responsible for $5.5 billion of investment management and trust assets for HNW families and institutional investors.

Prior to Joining U.S. Trust, Chris spent four years as a Regional Manager for the Alternative Investment Group at UBS working closely with financial advisors to position alternative investments into high net worth and institutional investment portfolios. His experience resulted in significant knowledge of alternative investment strategies including private equity, leveraged buyouts, mergers and acquisitions, distressed debt, capital structure arbitrage and traditional long/short hedge funds among others.

Chris began his career as a broker at Bear Stearns & Co. (1993-1996) serving middle market institutional as well as HNW investors.

Chris’s extracurricular activities included serving on a variety of governance committees and contributing to a multitude of enterprise level initiatives, pilots and projects as a managing member or executive sponsor.

Chris Graduated with Cum Laude honors and a Bachelor of Business Administration in Finance from Georgia State University. He is a CFA Charterholder of 15 years and member of the CFA Institute and Atlanta Society of Finance and Investment Professionals.

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Kenneth Graybeal, II

Kenneth Graybeal, II, Vice President of Investments, graduated from the University of Tennessee where he earned an MBA in Economics and Finance. Mr. Graybeal has been in the brokerage business for 29 years. Kenneth holds a total of 10 FINRA registrations/certifications.

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Bennett B. Herzfeld

Bennett B. Herzfeld is Vice President of Investments for Carter, Terry & Company. He received his B.B.A. from the University of Miami and moved to Atlanta in 1964. He has been in the brokerage business for 43 years. Prior to joining Carter, Terry & Company in July 2006, he was associated with Bache, Lehman Brothers, and UBS Financial Services. Bennett specializes in dealing with high net worth clients.

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Emily Hynson

Emily Hynson joined Carter Terry in May 2011 and currently serves as the Operations Manager. Mrs. Hynson graduated from Liberty University with a Bachelor of Science in Business Management, a Bachelor of Science in Industrial/Organizational Psychology, and a Master of Business Administration. She holds FINRA Registrations for Series 7, 66, and 24.

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Craig Leff

Craig Leff is a Registered Rep with Carter, Terry & Company. Craig is a native of Atlanta, Georgia. Craig is a graduate of Georgia State University and holds the FINRA Series 7 & 63.

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Tanya L. Magnon

Tanya L Magnon, Vice-President of Investments, started her career as a Limited Partnership Trader with Chicago Partnership Board, Inc. in 1994. She graduated St. Joseph's College, Renssalaer, IN, with a double-major in Marketing and Finance in May, 1993. She has 15 years experience in the financial services industry and currently holds FINRA Series 7, 63, 66 registrations and Life, Health, and Annuity licenses. Prior to joining Carter, Terry & Co., she worked for A.G. Edwards, Prudential, and Oppenheimer.

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Wayne Malone

Wayne Malone is a graduate of the University of Alabama with a B.S. in Banking and Finance and the Program for Management Development at Harvard Business School. Wayne attended the Stonier Graduate School of Banking at Rutgers University and is a graduate of the Merrill Lynch financial training program at Princeton , New Jersey . Wayne served as a National Bank Examiner with the U.S. Treasury Department and President/CEO of a commercial bank for twelve years. With sixteen years of experience in the investment and securities industry, Wayne works with Private Placement investments for "Accredited Investors" with a net worth of over one million dollars.

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Robert L. Nagle

Robert Nagle is a Vice President of Investments with Carter, Terry & Company, Inc. Robert is a native of Atlanta, Georgia and a graduate of the University of Georgia (BBA) and Atlanta Law School (J.D.). Prior to joining Carter, Terry & Company, Inc., he has had 19 years of experience in the investment industry working with Paine Webber and Fidelity Bank. He holds FINRA Series 7 and 63 registrations and Variable Life and Health Licenses.

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Lena Parrish®

Lena Parrish joined Carter Terry in December 2013 and serves as a registered sales assistant working with Financial Consultants both inside and outside of the office. She graduated from University of Alabama with a Bachelor of Art in Communication. She holds FINRA registrations for Series 7 and 66.

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JoAnn Penovi, CFP®

JoAnn has over 19 years experience in the Financial industry. After receiving her Accounting degree from Auburn University, she went on to become an accountant for a Fortune 500 company, an Internal Auditor, and a Financial Analyst. In 2007, after seven years as a Financial Advisor, JoAnn attained the prestigious designation of Certified Financial Planner.

JoAnn works with individuals and small- to mid-size businesses for retirement planning, investing, cash management, and liability management, to name a few. Using a holistic approach, JoAnn helps guide her clients to financial goals, while monitoring and minimizing risk.

JoAnn is active in the Atlanta community. She currently serves as President of Georgia Executive Women's Network, and is past chair of the Women's Legacy of Dekalb for United Way of Metro Atlanta. She also serves in leadership positions at Collins Memorial United Methodist Church.

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Len Perkins

Len Perkins is a Financial Registered Representative with Carter, Terry & Company. After graduating the University of Georgia in 1956, he worked for Merrill Lynch, Prudential, and Wachovia. He started working for Carter, Terry & Company, Inc. in December 2002. He currently holds Series 7, 8, 65, Life Insurance, and Variable Products licenses.

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Daniel A. Petit

Daniel A Petit, Vice President of Investments, graduated with a B.S.I.E. from the University of Michigan and has an MBA from Xavier University. He has been an investment advisor since 1983 and specializes in income oriented investments.

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Richard A. Rousseau

Richard A. Rousseau, Vice President of Investments, has been in the securities industry for 12 years. He has 20 years prior banking experience as a Vice President of Operations and Branch Administration in Rochester, New York and Portland, Maine. He is a graduate of the NAMSB Brown University Graduate School of Banking and the Dean Witter training program for financial advisors. He holds FINRA Series 7 and 63 registrations, Variable Life and Annuity, Health, Property and Casualty Licenses.

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Matthew J. Smith

Matthew J. Smith, a FINRA Registered Principal, is a financial advisor for Carter, Terry & Company. A New Hampshire native, Matthew is a Brown University honors graduate with a double major in Health and Society and Organizational Behavior and Management. His career includes advising for Raymond James Financial and playing professional basketball. He currently holds FINRA Series 7, 24, 63, and 66 license registrations as well as life, accident and health insurance.

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Don Spivey

Don Spivey is a Vice President of Investments with Carter, Terry & Company in Camden, South Carolina. Don graduated from the University of South Carolina with a Bachelor of Science in Business Management. He has been a financial advisor for over 25 years. Don holds Series 7 and 63 FINRA registrations and life, health, and annuity licenses.

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Robert Takacs

Mr. Takacs joined Carter, Terry & Company, Inc. in 2012 to generate institutional sales and placements for the private equity division. He serves as business development partner and develops relationships between institutional investors and corporate clients. Prior to joining Carter, Terry & Company, Inc., he worked for Wachovia Securities where he developed corporate services in the area of deferred compensation and 401-K plans. During his tenure at Deutsche Bank, he managed in excess of $100 million in client assets focusing on developing corporate services in the areas of deferred compensation programs and corporate cash. While at Lehman Brothers he served high net worth individuals while concentrating on middle market institutional trading and asset allocation. Mr. Takacs is a graduate from Kent State University with BA in Political Science. He also received his Masters International Management from American Graduate School of International Management.

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Trava L. Williams

Trava L. Williams is a Senior Vice President and Manager of the Birmingham office of Carter Terry & Company. Mr. Williams is a graduate of the University of Alabama with a Bachelor of Science degree in Corporate Finance. Mr. Williams has been in the financial services business since 1994 and has been with Carter Terry & Co. since 2004. Mr. Williams currently holds FINRA licenses Series 7, 63, 53, 28, 24. In addition, he holds Life, Health, Property and Casualty insurance licenses.

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Mike Wright

Mike Wright, Vice President of Investments, graduated from West Georgia College. He has been in the investment business since 1982 and worked for Raymond James Associates for 8 years before joining Carter, Terry & Company, Inc. in April 2002. Mr. Wright holds Series 7 and 65 licenses.

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