Michael Edens is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Lincoln Financial Securities, Royal Alliance Associates, Signator Investors, and John Hancock Mutual Life Insurance Co. He is also a partner in Scenic City Wealth, an LLC involved in sales and marketing of securities, investment advisory, and insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and a variety of investment vehicles, with discretionary and non-discretionary management options.

Robin Moldenhauer is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James, Robin worked at Norspring Center for Rejuvenation and the Institute for Acupuncture & Wellness. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Thomas Eddy is a CFP® with 23 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2002. He is a partner in Mobility Sports Tools, LLP, a company involved in the manufacturing and sales of a health care and sports rehabilitation product. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant activities and market-making.

Thomas Hammel is a Resident Director at Merrill Lynch Wealth Management, where he provides personalized wealth management strategies tailored to meet the unique needs of his clients. He specializes in areas such as Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Family Wealth Management Strategies, Institutional and Corporate Benefit Services, and Philanthropic Planning. Tom joined Merrill Lynch in 1993 after earning his Bachelor's Degree from Liberty University. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His approach emphasizes accessibility, knowledge, and experience to help clients make important financial decisions. Outside of his professional role, Tom is involved in his community as an assistant wrestling coach at CCS High School and serves on the Church Finance Council at Woodland Park. He enjoys boxing, hunting, painting, reading, woodworking, and spending time with his wife and two daughters in East Brainerd, Tennessee.

Adam Bridges is a financial advisor with LPL Financial, holding the PFS™ designation and Series 63 license. He has two years of industry experience and has previously worked at Powell & Associates Investment Group, Market Street Partners, Creswell Richardson, and JHM Certified Public Accountants. In addition to his advisory role, he is involved in tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions through a large network of advisors, utilizing both proprietary and third-party investment strategies.

James Ferguson is a financial advisor at Stifel with 41 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Stifel since 2015. Stifel serves a broad range of individual and institutional clients, providing brokerage and investment advisory services including fee-based financial planning and recommendations of third-party advisers. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning decisions.

Ralph Allison Jr. is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Stifel since 2015. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, with clients retaining discretion over implementation.

William Hunt IV is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. Outside of his advisory work, he serves as an assistant swim coach for the Baylor School and is involved with Signal Mountain Sports Boosters in a coaching capacity. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering financial planning and investment programs supported by structured discovery processes and firm-approved tools.

Nicklus Caplenor is a financial advisor with Morgan Stanley, holding a Series 66 designation and 21 years of industry experience. He previously worked at UBS Financial Services for 13 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. Outside of his advisory role, he serves as a board member of the Dunaway Hunting and Fishing Club in Tennessee. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools to assist clients in financial decision-making.

Erica Clark is a financial advisor with LPL Financial in Chattanooga, TN, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Cetera Investment Services, Regions Bank, and Valic Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Bobby Tallent is a financial advisor with LPL Financial in Chattanooga, TN, holding Series 63 and Series 66 licenses and 18 years of industry experience. His career includes positions at firms such as Charles Schwab, Merrill, and Regions Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Christopher Oliver is a financial advisor at Edward Jones with two years of industry experience. Prior to joining Edward Jones in 2024, he worked for the WinShape Foundation for nine years. He serves on the finance committee of Burning Bush Baptist Church in Ringgold, GA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

Emerson Brown is a CFP®-certified financial advisor with 11 years of industry experience, currently with Raymond James & Associates in Chattanooga, TN. Prior to joining Raymond James in 2021, he worked at Truist Advisory Services, Inc. and Truist Investment Services, Inc. from 2017 to 2021, and held roles at Brown Associates, Inc. and Garth & Brown Investment Management, LLC from 2015 to 2017. 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, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services supported by a nationwide adviser network.

Richard Jones is a financial advisor at Merrill with 11 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2014 and previously worked at Massachusetts Mutual Life Insurance for one year. Merrill provides managed account services through its Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Cory Gaylord is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 10 years of industry experience, including eight years at Northwestern Mutual Wealth Management Company. Outside of his advisory role, he serves as the head golf coach for the high school men's and women's teams at Chattanooga Christian School. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships using advanced analytical tools and offers specialized programs including divorce planning and employer-sponsored plans.

Michael Tomshack is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Morgan Stanley since 2007 and worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as secretary for the William C. Pallas, MD Foundation, Inc. and maintains a photography business through which he donates time and materials to local charities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and the Global Investment Committee’s Secular Return Estimates to model outcomes for its clients.

Scott Carswell is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Edward Jones for eight years before joining Wells Fargo in 2020. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Riley Stafford is a Financial Advisor at Merrill Lynch Wealth Management, specializing in guiding young professionals, families, and retirees through personalized, long-term financial strategies. He focuses on building confidence in clients' financial lives by creating customized plans that address their goals and values, with an emphasis on generational wealth and legacy building. Riley holds a Bachelor's degree and a Master of Business Administration (MBA) from the University of Tennessee System. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He works collaboratively with a team possessing over 100 years of combined experience to provide comprehensive planning support. Outside of his professional role, Riley is involved with community organizations such as the East Tennessee Alliance for Animals and Habitat for Humanity. His personal interests include boating, music, photography, reading, soccer, spending time with family, traveling, watching movies, and practicing yoga.

William Hunt is a financial advisor at Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 licenses. He has been with Raymond James & Associates since 2025 and has prior experience as an independent sales representative and in the medical products industry. Outside of finance, he spent nine years working in yard maintenance. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles and affiliated research.

Patrick Neel is a financial advisor with Wells Fargo Clearing in Chattanooga, TN, holding a Series 66 designation and 12 years of industry experience. He previously worked at Edward Jones from 2013 to 2017 before joining Wells Fargo Clearing in 2017. Outside of his advisory role, he serves as an executor for an investment-related estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.