Scott Milford is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Edward Jones since 2007. He also works as a part-time music director at Skyline Community Church, where he has been involved since 2003. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Peggy Rouillier is a CFP®-designated financial advisor with 34 years of industry experience, currently affiliated with Cetera. She previously worked at Concourse Financial Group Securities Inc. for nine years before joining Cetera and Cetera Wealth Services, LLC. Outside of her advisory role, she is involved in insurance product sales and serves as a trustee of her living trust. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a diverse range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party model portfolios.

Caitlin Olson is a financial advisor at Raymond James Financial Services Advisors, Inc. with seven years of industry experience. She holds a Series 66 designation and has previously worked at Ascent Wealth Advisory, LLC and Franklin Synergy Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through various advisory programs and institutional portfolio management.

William Greene is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Raymond James since 2013. Outside of his advisory role, he serves on the finance and investment committee of a local religious organization, Free Range Pastor, where he participates in governance and financial oversight. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Robert Lord is a financial advisor with Morgan Stanley in Franklin, TN, holding a Series 66 designation and bringing 43 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a participating member of KLT LLC, a technology-focused company, and serves on the finance committee of the Jonathan Club in Los Angeles, where he is currently being considered to lead the committee. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and models to assist clients, offering a wide range of investment and financial services without providing individual security recommendations through standalone plans.

Mark Puryear IV is a CFP® with six years of industry experience, currently affiliated with Raymond James & Associates. His prior experience includes roles at Hightower Advisors, The Bahnsen Group, Janney Montgomery Scott, and FirstBank. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional and pension plans, charitable organizations, and government entities—offering financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and affiliated research.

Jean Jackson is a CFP® certificant with 25 years of industry experience, currently associated with OSAIC in Franklin, TN. She previously worked at Royal Alliance Associates, Inc. and AdvisorNet Wealth Management. Jackson is the owner of Eagle Creek Financial Advisors, LLC, where she acts as a life and long-term care insurance agent. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated financial advisers, offering integrated brokerage and advisory services along with access to third-party money managers and wrap programs. The firm uses advanced asset-allocation tools and supports both discretionary and non-discretionary account management across diverse investment vehicles.

Bethany Todzia is a financial advisor at Cetera with four years of industry experience and holds a Series 65 designation. She has previously worked at firms including Kraft Asset Management, Avantax Advisory Services, and Anchor Financial Group, where she also serves as a senior accountant providing tax preparation and financial planning services. Cetera Investment Advisers LLC is a large national advisory platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Charles Collins is a financial advisor at MassMutual Investors Services with 38 years of industry experience. He holds the ChFC® designation and Series 63 license. He has worked with MML Investors Services since 1988 and Massachusetts Mutual Life Insurance Company since 1987. Outside of advising, he is a life coach and an author working on a book. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering structured, collaborative planning relationships using firm-approved analytical tools.

Winston Minter is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He operates Minter Investment Management, an investment-related business associated with his LPL practice. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, along with research and model portfolios from internal and third-party sources.

Craig Brown is a financial advisor at Fidelity with 25 years of industry experience. He holds the Series 63 and Series 65 designations and has been associated with various Fidelity entities since 2006. Outside of his advisory role, he is a partner in a real estate business focused on purchasing, rehabilitating, and selling properties in collaboration with general contractors and agents. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as charitable and registered investment entities. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from a broad investable universe.

Jeffrey Miller is a Series 66-licensed financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones, he worked at OneNine, Ramsey Solutions, JeremyKingsley.com, and the Center for Marketing Solutions. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Charles Gillen is a financial advisor at Ameriprise in Franklin, TN, holding the CFP® and Series 63 designations with 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 1986. Outside of his advisory role, he is involved with Rainmaker Inc., where he develops new business relationships, leads local staff, and recruits advisors. Ameriprise serves individuals approaching or in retirement, typically with significant investable assets, offering a retirement-income planning service that includes written Recommendation Reports and combines research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Taylor Kramer is a financial advisor at LPL Financial with one year of industry experience. He served in the United States Army from 2023 to 2025 and attended the United States Military Academy at West Point from 2019 to 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from internal and third-party sources.

Samuel Lechleiter is a financial advisor with Cetera, holding a Series 63 designation and over 32 years of industry experience. His prior roles include positions at Concourse Financial Group Securities Inc, Lincoln Financial Securities Corp, and LPL Financial. In addition to his advisory work, he serves as co-executor of his mother’s estate and acts as her power of attorney. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary strategies across various program structures.

Brent Highberger is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Kevin Smith is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with Cetera and Cetera Wealth Services since 2014. Outside of his advisory role, Smith serves on several nonprofit boards, including Developmental Services of Dickson County and the Goodlark Educational Foundation, and holds leadership roles in multiple benefits and insurance companies. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, corporate, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with access to affiliated and unaffiliated third-party managers across various program structures.

Stanley Ham is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. He previously worked at Avantax Advisory Services and Avantax Investment Services, INC. for nearly a decade. Outside of his advisory role, he is a partner in Anchor Financial Group, LLC, which provides tax preparation and accounting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers.

Robert Soerens is a CFP® with 11 years of industry experience currently affiliated with Cambridge Investment Research Advisors. His prior roles include positions at Bank of America, Merrill, Wells Fargo, and Sagespring Wealth Partners. He is also involved as an independent insurance agent and directs Clifton Street Wealth Management in Franklin, TN. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing both proprietary and third-party investment strategies tailored to client objectives.

Scott Pandillo is a financial advisor at LPL Financial with 36 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at LPL Financial since 2025. Prior to this, he was with Liberty Wealth Management, LLC and Next Financial Group, both for over a decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, leveraging both discretionary and non-discretionary management supported by proprietary and third-party research.