John “Joe” Terril founded Terril & Co. in 1979. The independent wealth management firm currently oversees more than $900 million in trust, retirement plan, IRA and individual assets for clients in 30+ states. It also serves as an investment sub-advisor to the trust departments of banks, where it manages the portfolios of their high net worth clients.

Terril’s ability to clearly communicate investment themes and penetrating analysis of national and international business trends makes him a frequent contributor to local and national financial media. Credits include the St. Louis Business Journal, the St. Louis Post-Dispatch, the Wall Street Journal, Barron’s, USA Today, the Wall Street Transcript, Fox Business News, Reuters and the Associated Press.

Terril began his career in 1976 as an institutional account executive with a well-known Wall Street firm.

He holds a bachelor’s degree in economics with a minor in finance from the University of Illinois in Springfield.

David Carter leads research analysis at Terril, where he monitors the firm’s current holdings and directs its research on new investment ideas. He also helps manage client accounts and portfolios.

Carter’s advisory career spans 30 years, with a consistent focus on value investing.

Prior to joining Terril, Carter was affiliated with Wisconsin-based Milwaukee Company. After relocating to St. Louis in 1987, he was an investment advisor for the former Burns Pauli and for Huntleigh Advisors.

Carter holds a bachelor’s degree in finance from the University of Dayton in Dayton, Ohio.

Tricia joined Terril & Co. in 2012 as a research associate assisting the firm with investments and portfolio management. Currently, she is overseeing the back office operations including compliance, human resources and reporting. Prior to joining Terril, she worked at Deloitte and Solutia Inc. in various financial roles. Tricia holds a bachelor’s degree in liberal arts and a master’s degree in business administration from Southern Illinois University-Edwardsville. She is a registered investment advisor representative.

Brian Curtis builds scalable software systems and manages the IT infrastructure at Terril & Co. He has over 30 years of database development experience.Prior to joining Terril, Brian designed software applications for Fortune 500 companies.

Brian holds a master’s degree in Finance from Webster University in St. Louis and a bachelor’s degree in Information Systems.

Terril and Company is pleased to announce the addition of Russ Phillips to the Research and Portfolio Staff. Russ joins after more than 15 years at his most recent employer, JP Morgan, and prior to that, 15 years at Merrill Lynch. Russ brings experience in Research and Portfolio Management and Institutional Equity and Fixed income trading.

Kristin Wood is Client Fulfillment Officer at Terril & Company. Kristin joined the firm in early February 2022, after several years as a paralegal. Additionally, she received her degree in Office Administration. As member of the Terril team, Kristin is responsible for overseeing new accounts, transfers, general client requests, as well as additional back-office responsibilities, and assisting founder Joe Terril on various projects.

Rick Franklin joined Terril & Co. in 2021 in the research department. He comes to Terril & Co. with nearly 25 years of investment experience. Rick’s career includes analyst roles at AG Edwards and Edward Jones where he was named a Wall Street Journal All Star analyst for the performance of his recommendations. He holds a Bachelor’s of Science degree in Finance from Missouri State University and earned his MBA from Washington University in St. Louis. He is a Chartered Financial Analyst. .

Terril & Company welcomes Bill Newbold to its Research and Portfolio Management Team. He joins the firm after 19+ years at JP Morgan and 16 years at Merrill Lynch. Newbold brings to Terril experience in research, portfolio management and trading with a focus on institutional equity research. The graduate of Rockhurst University (Kansas City, Mo.) is active in the St. Louis community, serving as Board Chairman of Our Little Haven, an organization serving marginalized children and their families.

Laura Roy joined Terril & Co. in 2024 after more than three decades of service in the Missouri Judiciary. She recently retired as Clerk of Court for the Missouri Court of Appeals Eastern District. In her new role she works in the business and back office operations, including compliance, human resources and reporting. Laura obtained her Bachelor of Journalism and her Juris Doctor degrees from the University of Missouri-Columbia. She is a member of the Missouri Bar.

Abby Carter is an Administrative Assistant at Terril & Company. Prior to joining the firm in December 2023, Abby worked in Influencer Marketing and pet care. Abby holds bachelor’s degrees in English Literature and Psychology from Indiana University and a master’s degree in Clinical Psychology from the University of Tulsa. As a member of the Terril team, Abby handles general client requests and other back-office responsibilities.

S. Nicole Williams, MHA, BS joined Terril & Company’s Research and Portfolio Management team after more than five years in the financial services industry. Prior to joining the firm in June of 2024, Williams worked as a Registered Financial Services Representative, Block Trader, and QA Analyst. Williams holds a Bachelor of Science in History from Washington University in St. Louis and a Master of Health Administration from Saint Louis University. As a member of the Research and Portfolio Management team, Williams oversees various administrative and operational tasks including, executing block trades in targeted portfolio allocations, trade execution monitoring, ensuring dividend, interest, and reinvestment postings, running security reconciliation reports, and submitting trades based on investment management decisions. Williams has both her Series 7 and 63 licenses and is a registered representative.