UNT Financial Planning Community Class Series

Terrance Hutchins, CLU, CFP®, RICP, EA

Terrance is an entrepreneur, real estate investor and financial expert. He has over 14 years of experience in the financial services industry and his designations include CLU, CFP, RICP and is an IRS enrolled agent. He graduated with honors from the University of North Texas with a Business degree in entrepreneurship. He is married to Royetta and they have 3 kids Aiden, Abigail and Aaron. He is a teacher at heart and is passionate about helping people define their goals, solve complex financial problems, and align the use of their money with the most important things in their life. In his free time he enjoys reading, sports and traveling.

Dave Ragan, CFP®, AIF

As a college student, Dave dreamed of one day traveling the world as a National Geographic photographer … until he attended a personal finance class at the University of North Texas. A flash went off in his mind, and the financial world suddenly seemed more meaningful to him than photojournalism. Soon after experiencing this epiphany, Dave changed his major from journalism to finance, graduating from the University of North Texas in 2003. Since then, he has never looked back.

Of Dave’s tenure at Grunden Financial Advisory Inc., owner, and CEO Ricky Grunden Sr. says, “Dave Ragan was an impact player, and he immediately developed what became the platform to write and implement hundreds of financial plans, investment plans, and wealth management plans for Grunden clients.” Ricky rewarded Dave’s efforts with a partnership in 2012, and today he is President of Grunden.

Dave’s expertise is recognized by the University of North Texas, where he teaches the senior-level financial planning class. And his commitment to education doesn’t end there—he recently spearheaded a successful effort to secure a $50,000 grant from TD Ameritrade (acquired by Schwab in 2020) to improve financial planning programs nationwide through initiatives taken by the University of North Texas.

Dave never snapped a single frame for National Geographic, but when he is not implementing expertly written wealth management plans, you will find him traveling across the United States with his travel trailer and his wife and three children, capturing their experiences with his Cannon T6i camera. Check out his Instagram photos here. Over coffee Dave is equally comfortable talking about Yosemite National Park or about developing a claiming strategy for Social Security.

Azure Bradger CFP®

Azure is a Cowtown native and graduate of FWISD. She has over six years of experience in the financial services industry and completed her Bachelor of Business Administration in Financial Planning with the University of North Texas in 2023. She has her FINRA Series 7, 63, and 66 and is also a CERTIFIED FINANCIAL PLANNER™. When she is not serving our clients, Azure is likely enjoying singing and dancing with her daughter Mariah, on an adventure with her family and friends, thrift shopping with her mom, or binge-watching her newest favorite show.

Dr. Mark Evers

Dr. Mark Evers serves the University of North Texas as a Clinical Assistant Professor and Program Director for the CFP Board Registered Financial Planning program. Dr. Evers has over 15 years of experience in education plus over 2 decades of financial services/planning industry experience. Dr. Evers earned a Ph.D. and an M.S. in Personal Financial Planning from Texas Tech University, and an M.S. in Finance and Economics and an M.B.A. from West Texas A&M University. Dr. Evers is also an active Certified Financial PlannerTM (CFP®) Practitioner and a Chartered Retirement Planning CounselorTM. Dr. Evers has taught numerous finance and business courses at both the collegiate and secondary education level. Recently, he was recognized with the FPA DFW 2024 Chairman's Award and the 2024 UCAN Award for Outstanding Faculty Advisor at UNT.  He has also received the 2023 Faculty Award for Exceptional Teaching, 2023 Faculty Award for Exceptional Service, and the 2023 People's Award for Best Contributor by the G. Brint Ryan College of Business at UNT. Dr. Evers also earned the 2020 Instructor of the Year Award in the Personal Finance program at Texas Tech University. Dr. Evers' research interests include the influence of natural disasters on financial well-being, consumer behavior, and financial decision making. Dr. Evers has been featured in the Lubbock Avalanche Journal, MarketWatch, WalletHub, MoneyGeek.com, on WBAP 820AM 93.3FM - Your Money News, at the 2024 Academy of Financial Services Conference, the NAPFA Spring 2023 National Conference in San Diego, and in the Journal of Insurance Issues. Dr. Evers serves the university on numerous committees, serves on the NAPFA South Region Board of Directors, and serves the community teaching pro-bono Financial Workshops at Gateway Church and other venues in North Texas. Professionally, Dr. Evers serves clients as the Director of Planning and a Wealth Advisor for Concurrent Wealth Management.

Richard Fair

Richard Fair is a seasoned attorney and educator with 12+ years of professional experience. Recognized for demonstrating a great interest in facilitating students who do not meet the average profile for legal study, as well as for spearheading a number of financial and fiscal support initiatives. Professional focal points also include educational instruction, student programs and development, public speaking, client experience, and numerous facets of real estate and tax law. Delivering superior administration in the latter areas of expertise requires the utilization of effective communication and negotiation skills, as well as resource management to support efficiency and maximum results. 
Currently, he is an Estate Planning and Tax Attorney. In this capacity, he demonstrates excellence within the areas of Business Entity Formation, Estate Planning, Real Estate, and Probate. he also is accountable for contract management and trust administration services, in addition to facilitating high-net-worth clients with estate planning and charitable tax planning. Since 2009, he has also served as an Adjunct Professor and Instructor with such leading learning institutions as Western Texas College, McLennan Community College, Texas Tech University, and the University of North Texas. To date, this has included educational instruction on Texas Business Law and Government, as well as United States History. He also is responsible for compliance, reporting, and requirements with the Texas Higher Education Coordinating Board and the Southern Association of Colleges

Greg Hutto, CFP®, CFA®

Greg comes from a family of educators, so it’s no wonder he holds a Bachelors Degree in Business from Texas A&M University, and a Masters Degree in Education from Tarleton State University. He was even a teacher and coach before entering financial services in 1996.

After 14 years in the industry working for such powerhouses as UBS Paine Webber and Raymond James, he founded Hutto Retirement Advisors LLC in 2010.

Greg holds two investment designations, including Certified Financial Planner®, and was awarded the Chartered Financial Analyst® designation in 2007. Additionally, he is the founder of Heritage Tax Advisors LLC.

Greg is married and he and his wife Angie have three children. He likes to cycle, play golf, and travel with his family.

Carson Perkins, Associate Advisor

Carson finished his education at the University of North Texas where he received his BBA in Finance and a minor in Financial Planning. Carson graduated Magna Cum Laude and made the President’s List multiple times, while also being a member of the Professional Leadership Program and working part time at Heritage. Carson passed his Series 65 and the CFP® Exam in 2024. He will earn the coveted CFP® certification this year. He enjoys helping kids with their basketball skills, spending time outdoors, working out, cooking, and playing tennis.