Cloud Financial, Inc. was started in 2001 by our President, Don Cloud. He wanted to create a company that would help the pre-retirement and retirement communities in Northern Alabama through education and planning. In 2016, Cloud Financial, Inc. expanded and created its own RIA (Registered Investment Advisor), Cloud Investments, LLC, to be able to have a more hands on approach that better allowed for wholistic planning for our clients. Since then we have grown into a multi advisor company that provides many services to make us a one stop shop. Our team is committed to empowering you to have the tools to identify and achieve your financial goals and provide you with a more confident retirement.
President, Wealth Advisor
When Don started his career as a Senior Account Executive in the early nineties, he developed a passion for helping others. In 2001, when he formed Cloud Financial, LLC, he translated his passion into the business world by helping educate the pre-retirement and retirement communities of Northeast Alabama. Since then, Don has expanded Cloud Financial, Inc. into a local, multi-advisor RIA (Registered Investment Advisor) Cloud Investments, LLC. With his experience and his series 66 license, Don has been working in our community as a fiduciary to create an educational environment for our clients to help them identify, plan for, and reach their retirement goals.
In his spare time, he enjoys paramotoring and spending time with his wife and their four sons. Don also loves being able to attend his children’s sporting events and support his family’s interest. Additionally, he spends a large portion of his time mentoring other financial advisors with like-minded goals for their clients, because that is where his passion still burns.
Fun Fact: His favorite pizza toppings are pepperoni and pineapple.
Charlie Harriman, CEP®
CEP – Senior Vice President, Wealth Advisor
Charlie provides a strong educational and professional background to the Cloud Financial, Inc. and Cloud Investments, LLC team. He earned his bachelors degree in Finance from Auburn University and went on to obtain his Masters in Business Administration with a focus in Finance. Charlie is a Certified Estate Planner with the NICEP (National Institute of Certified Estate Planners) and brings his extensive knowledge and training to the Cloud team. Charlie’s education and certification coupled with his caring personality allow him to connect with his clients and provide meaningful interactions.
Charlie has been married to his wife, Hollie, for the past 11 years. They have two children, Hudson (8), and Maggie (6). Charlie spends a large portion of his free time volunteering as a coach for the many teams and sports his kids are involved in. He is also an avid golfer.
Fun Fact: His favorite musician is George Strait.
Germi Cloud, NSSA®, CRPC®
Germi brings extensive experience in business management and finance to the Cloud Financial, Inc. and Cloud Investments, LLC team. He has 15 years experience in the financial industry. Germi is also a National Social Security Advisor as well as a Chartered Retirement Planning Counselor. This allows him to provide knowledge and experience to help our clients maximize their Social Security benefits and design a retirement strategy best suited for them. Germi truly loves what he does and it shows daily in his client interactions.
Germi enjoys spending time with his wife, Lashon, and three children, Brandon, Hannah, and Alex. They spend a lot of their time at the many sporting and extracurricular events their children are involved with. He also enjoys many outdoor activities such as hiking, camping, and fishing. He and his wife both volunteer with their children’s athletic programs to help support, officiate, and organize events for them.
Fun Fact: His favorite book is The Great Gatsby by F. Scott Fitzgerald.
Aaron has a strong educational background, graduating Summa Cum Laude from the University of Alabama with a double major in finance and economics. Aaron is also a fiduciary, who holds his series 65 as well as his Alabama health and life insurance license. He is passionate about serving his community, both altruistically and through dedicated commitment to his clients. Aaron is the newest advisor to the Cloud team, and with him he has brought fresh ideas and perspectives that push himself and the rest of the team to think outside the box to better serve their clients.
He and his wife Layla, high school sweethearts, are lifelong residents of the Shoals area and are expecting a baby boy named Canaan. They are also proud owners of two German Shepherds, Mozart and Mona Lisa. He and Layla spend their free time with family, going to the movies, and volunteering in various capacities at their local church.
Fun Fact: His ideal vacation spot is New Zealand.
Chief Compliance Officer
Lauren, a graduate of the University of Alabama, has a Masters Degree in Financial Planning and 10 years of experience in the financial industry. Lauren graduated summa cum laude from the University and holds the series 66 and her insurance license. She has assumed several roles during her tenure with Cloud Investments, LLC, which have allowed her to learn intricacies of the firm that support her in her role as Chief Compliance Officer. As the Chief Compliance Officer, Lauren oversees and manages the daily regulatory compliance needs within the firm. Lauren feels that her role as CCO is a challenging yet rewarding role that allows her to help the advisors and staff at Cloud Investments, LLC provide their clients with a positive experience.
In her spare time, Lauren enjoys reading books and cooking. She also enjoys running, and spending time with her husband, Blake, supporting Huntsville High School running events. As an active member of the running community in Huntsville, Lauren also serves as a mentor in several running groups to help encourage others to set and meet goals for a more active and healthier lifestyle.
Fun Fact: Her favorite musician is Elton John.
Susie McCullough brings 15 years of professional experience in client relations and office management to the Cloud Financial, Inc. and Cloud Investments, LLC team. Much of Susie’s administrative and accounting experience was gained during her tenure with a large Southeastern marine sales and service company, along with several years of experience in the real estate industry. By working with Cloud Financial, Inc. and Cloud Investments, LLC, she has gained an additional 12 years of knowledge and insight into the retirement planning realm. Susie is also an Alabama Notary Public State at Large. Susie truly is the glue that holds our office together as she seamlessly facilitates client as well as intra-office interactions.
Susie and her husband, Dave, live in Huntsville with their dog, Penelope. They enjoy eating out at locally owned restaurants and attending live music shows. They both have a love for travel and are frequently going to fun areas in the Southeast.
Fun Fact: Her favorite ice cream flavor is coffee.
Jessica has been providing administrative support to the Cloud Financial, Inc. and Cloud Investments, LLC team since September 2018. Jessica holds an Associate Degree in English and has nine years of office support experience. Her warm personality and thorough communication skills make her an invaluable asset to the team. Jessica’s responsibilities as an Advisor Associate include one-on-one client assistance, processing applications, and supporting her team with daily tasks.
Jessica is an animal-lover who enjoys cooking and baking. When she isn’t in the kitchen you can find her reading or watching a documentary. What she enjoys the most is spending quality time with her husband, Matt, and her two children, Bruce and Maylene.
Fun Fact: Her favorite book is The Glass Castle by Jeannette Walls.
Christina joined the Cloud Financial, Inc. and Cloud Investments, LLC team in 2019. She graduated from the University of Alabama in Huntsville with a Bachelor’s degree in Marketing. She has 10 years of experience in the banking industry. She has brought with her the knowledge of assisting clients achieve financial success, which makes her a valuable member of our Cloud team. In her role as Advisor Associate, Christina helps facilitate the daily client and account interactions that help maintain a close working relationship with our clients.
In her spare time she loves being with her husband, Matt, and two daughters Emily and Kaylee. Christina’s family actively supports MCHS Band, specifically the Color Guard which one of her daughters is members of. Ultimately she enjoys watching her girls grow and being a good role model for them.
Fun Fact: Her ideal vacation spot is Disney World.
Ashley brings with her over 5 years experience in event planning and marketing in the hospitality industry. She has a Bachelor’s degree in Business Administration with a concentration in Entrepreneurship and Hospitality from the University of Tennessee. As the Marketing Coordinator, Ashley works to create and facilitate marketing events and communications that let us foster a relationship with our clients and our community through education and socialization. She has built upon our social media and online presence allowing us to connect with our clients beyond their financial needs.
Ashley and her husband, Adam, are from Nashville, TN, but are currently living in Huntsville, AL. They have two cats, Minkus and Pekka, and are expecting their first child in June, a girl named Sawyer. In her spare time she enjoys DIY projects, interior design, and playing the piano. Ashley also likes to get outdoors to kayak, work in the garden, and hike.
Fun Fact: Her favorite ice cream flavor is Supermoon from Jeni’s Ice Cream.