Joy Clemons is a financial advisor with Ameriprise, holding a Series 63 designation and 23 years of industry experience. She has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice, primarily for clients with assets managed within Ameriprise.

Eugene Blair Jr. is a CFP®-designated financial advisor with LPL Financial, based in Chattanooga, TN, and has 45 years of industry experience. He has been with LPL Financial since 1990 and previously worked at Appliance Credit Union for nine years. Outside of his advisory role, he is involved in fixed insurance and tax preparation through Informed Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment services, utilizing both proprietary and third-party strategies across various asset classes.

Damon Riggs is a Series 66-licensed financial advisor with Ameriprise in Chattanooga, TN, bringing 15 years of industry experience. He has been with Ameriprise and its affiliates since 2007. Outside of his advisory role, he manages Mainstay Service Group, LLC, which provides administrative services supporting a related financial practice. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a dedicated team to support its advisory process.

Robert Ludwig is a financial advisor with Edward Jones in Cleveland, TN, holding Series 63 and Series 66 credentials and 20 years of industry experience. He has worked with Edward Jones since 2005. Outside of his advisory role, Ludwig is involved in internet sales through an eBay partnership and owns a vintage toy booth at Dandelion's Mercantile Antique Store. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including non-high-net-worth and high-net-worth households. The firm offers various advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Ramann Nallamala is a CFP® and Series 66-registered advisor at Raymond James Financial with two years of industry experience. Prior to joining Raymond James, he worked at SageSpring Wealth Partners and Deloitte and Touche, among other roles. He is also involved with SageSpring Wealth Partners LLC in a non-investment related capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, and institutional clients. The firm combines tailored, non-discretionary planning with advanced analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

David Byrum is a Series 66-licensed financial advisor with Edward Jones, where he has worked since 2010, accumulating 15 years of industry experience. He is based in Hixson, Tennessee. Outside of his advisory role, he manages a commercial rental property in Humboldt, Tennessee. Edward Jones is a wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a nationwide network of more than 23,000 financial advisors.

Laura Knight is a CFP® professional with 19 years of industry experience. She has worked at Morgan Stanley for 15 years before joining Edward Jones, where she has been since 2026. Outside of her financial advisory work, she is involved in reselling used clothing as an independent contractor on Poshmark. 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 and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Joshua Barnes is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has been with Bank of America and Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nathan Bowman is a Series 66-registered financial advisor with OSAIC, based in Chattanooga, TN, and has two years of industry experience. Prior to joining OSAIC in 2025, he was with Lincoln Financial Securities Corporation for one year. Outside of his advisory role, Bowman is also licensed to sell life insurance and annuity products, including disability, long-term care, and traditional life insurance policies. OSAIC Wealth serves a diverse client base ranging from individual investors to institutional and corporate clients. The firm offers a variety of brokerage and advisory services utilizing a multi-advisor platform and employs a model-based investment process focused on asset allocation and portfolio optimization.

Jonathon Ransom is a CFP®-certified financial advisor with 25 years of industry experience, currently serving at LPL Financial since 2025. He previously worked at First Tennessee and First Tennessee Brokerage Inc from 1999 to 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Erica Archer is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2023, she worked at First Baptist Cleveland and the Cincinnati Symphony Orchestra. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and annual advice on income sources and tax-aware withdrawal strategies.

Giovanni Attardo is a financial advisor with Edward Jones in Chattanooga, TN, holding a Series 66 designation and nine years of industry experience. Prior to joining Edward Jones in 2017, he worked at Verizon Wireless for eleven years. Outside of advising, he co-owns a hair salon with his wife and serves as an elder at Life Gate Church, where he assists with daily operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Daniela Mabry is a Financial Advisor at Merrill Lynch Wealth Management. She works collaboratively with clients to provide guidance on various financial matters including retirement planning, estate organization, and managing new wealth. Daniela focuses on tailoring strategies to align with clients' individual goals, risk preferences, and financial situations. Her areas of expertise include education planning, family wealth management strategies, legacy planning, personal retirement planning, and retirement income. Daniela holds several professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daniela earned her high school diploma from Highland High School and an associate's degree from South Suburban College. She is bilingual in English and Spanish. Outside of her professional role, Daniela spends time volunteering by teaching crochet lessons at senior homes and community centers, and she is involved in animal rescue initiatives. Her personal interests include boating, fishing, gardening, knitting and crocheting, music, painting, reading, spending time with family, traveling, and watching movies.

Lonnie Jones is a CFP® professional at Edward Jones with 26 years of industry experience, all of which have been spent at the firm since 2000. He holds a Series 63 license and is based in Ringgold, GA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices, offering a variety of discretionary and non-discretionary investment strategies along with affiliated mutual funds and proprietary money market funds.

Gabriel Gamble is a Series 66–licensed financial advisor with Equitable Advisors, based in Cleveland, TN, where he has worked since 2002. He has 23 years of industry experience and previously worked at Axa Advisors for 18 years. Outside of his advisory role, he serves as a notary public. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutional clients, and charitable organizations. The firm employs a variety of advisory models and programs, including referrals to third-party asset managers, focusing on matching clients to appropriate investment solutions based on their risk tolerance and needs.

Nicholas Guccia is a financial advisor at Cetera with 10 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Pruco Securities LLC, The Prudential Insurance Company of America, Wells Fargo Clearing, Citizens & Northern Bank, N B T Bank, N.A., and LPL Financial, LLC. Outside of his advisory role, he is the sole owner of a real estate rental and development business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform and supports a large network of over 10,000 advisors managing more than $256 billion in assets.

Jordan Pence is a financial advisor with LPL Financial in Cleveland, TN, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Raymond James & Associates, Merrill Lynch, and Golden 1 Credit Union. He was previously owner of Solid Ground Real Estate Solutions, LLC, a real estate wholesale acquisition and disposition business that he is in the process of dissolving. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management services, including model portfolios and third-party management, supported by proprietary research and advisor tools.

John Griggs is a Series 66-registered financial advisor with Ameriprise in Chattanooga, TN, bringing 10 years of industry experience. He has been with Riggs & Associates since 2014. Outside of his advisory role, he serves on the Board of Directors for the National Center for Youth Issues and participates on the finance committee at Chattanooga Christian School, advising on the management of the school’s investment assets. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with substantial investable assets, delivering comprehensive, non-discretionary recommendations that integrate research, modeling, and tax-efficiency strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Jordan Heath is a financial advisor with Cetera, holding a Series 66 designation and beginning his career in 2025. Prior to joining Cetera, he worked at Regions Bank and has experience in educational roles at the University of Georgia, Chattanooga State Community College, and Dade County High School. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated investment managers.

Michael Vereen is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 27 years of industry experience. His prior roles include positions at MML Investor Services Inc, MassMutual Life Insurance Company, LPL Financial, and Mass Mutual Investors Services. Outside of his advisory work, Vereen is involved in several nonprofit and community organizations, serving on boards such as Marketlife Ministries and the New Orleans Baptist Theological Seminary. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management across multiple platforms, including proprietary model strategies under the Founders Gate Capital brand.