Executive Team

We believe very strongly that financial planning requires a team approach. Only by working together—with each of our clients and as a unified team—can we absorb and act on all of the information required to provide outstanding advice. It also gives us the ability to respond to your questions and financial needs quickly and efficiently. Through teamwork and dedication to excellence, our entire team is here to help you create, implement, and stay on track with an ideal financial plan.

Rhonda Ferguson CFP®, CFS
Principal Planner
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As our principal planner, Rhonda works to ensure that each client is on a path to achieving his or her personal life and financial goals through conservative strategies. Having served as a financial planner since 1984, she has helped hundreds of families with their goals and objectives.

A Certified Financial Planner® (CFP®) and Certified Fund Specialist® (CFS®), Rhonda is a member of the Financial Planning Association, the American Funds Advisory Council, and National Planning Corporation's Pinnacle Progam. She holds a Bachelor's degree in Business Administration with a focus in Managerial Finance from the University of Mississippi, and she holds FINRA Series 7, 63 and 24 licenses, as well as insurance licenses.

In her personal time, Rhonda enjoys spending time with her husband, Todd, their two children, and two grandchildren. Rhonda is an avid runner and biker. On early mornings you can find her out and about throughout town running or riding her bike.

Personal Statement:
“I became a financial planner to help people reach their financial goals and objectives through conservative strategies. I know my clients have worked hard to have what they have. My goal is to not only protect assets, but also to help them go to bed at night without wondering if they should have done something different with their money."



Scott Ferguson
Planner & Partner
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Scott grew up helping in the family financial planning business and joined the firm in 2006. Active in the community, he has found his calling helping clients plan for the future in order to reach their financial goals and objectives. Scott attended the University of Alabama and holds FINRA Series 6, 63, & 65 licenses.

As one of our planners, Scott is in charge of assisting clients in achieving their life and financial goals through conservative investment strategies. From initial plan creation to montering a financial plan throughout a clients lifetime, Scott is there every step of the way.

Outside of the office, Scott enjoys spending time with his wife, Whitney, and their two children Bentley and Myers. Actively involved in the community, Scott has previously served as as Executive Committe President for United Way of Lowndes County and has coached recreational soccer since 2011. He currently serves of on the board of 200 million flowers, a Mississippi based non-profit focused on imporving the lives of the Foster Care Children throughout the state. Along with his son, Bentley, he is the founder of Little Hands, Big Trucks, an annual kid friendly event that benefits the United Way of Lowndes County.

Personal Statement:
“Financial Planning is all I’ve really ever known. I can remember sitting at the dinner table as a child, and hearing my mother talk about the markets. From a very young age I learned basic investment principals, and to this day those principals serve as the foundation of my financial planning philosophy. Being able to provide financial and investment advice to the hard working folks we serve is truly a dream come true. You have worked hard for what you have, and it is my job to make sure that your nest egg is working as hard as you did to build it!"



The Financial Concepts Internship Program. At Financial Concepts, we understand the importance of providing training and skills to the next generation. Over the course of the past twenty years, we have provided an opportunity for students to gain real world experience in the financial services industry. We have used the services of our interns to assist with many projects both small and large. They have helped turn new business idea into realities by providing research and recommendations to our team.

If you are interested in learning more about our internship program, please submit your resume to This email address is being protected from spambots. You need JavaScript enabled to view it. .

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Financial Concepts is a registered investment adviser located in Columbus, MS. Financial Concepts may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Financial Concepts’ web site is limited to the dissemination of general information pertaining to its investment advisory services.

Please contact Financial Concepts at 662-327-1480 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Financial Concepts does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a Financial Concepts representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.