Herbert Spencer Jr. is a financial advisor with Morgan Stanley, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Paul Jacobs Jr. is a financial advisor at LPL Financial with 20 years of industry experience. He holds the ChFC® and Series 63 credentials and has previously worked at Cadaret Grant & Co., Inc., Raymond James Financial Services Advisors Inc., and Barnett & Company, Inc. Outside of his advisory role, Jacobs serves on several nonprofit boards, including the Charles H. Coolidge Medal of Honor Heritage Center and the Cherokee Area Council BSA, and participates actively as an assistant scoutmaster. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting, supported by in-house and third-party research.

Paul Brown is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, he owns Michael Edwin Madison Aircraft LLC, a business involved in the casual acquisition and sale of general aviation aircraft. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a wide range of clients including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, supported by extensive research and diverse portfolio management options.

Christopher Mullan is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bankers Life and Phoenix Consulting, as well as service in the United States Army. He also has experience with Chattanooga Professional Baseball, LLC. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Russell Hurley is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has been with Raymond James & Associates since 2008. Outside of his advisory role, he serves as a deacon and member of the finance committee at First Presbyterian Church in Chattanooga, Tennessee. 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 municipal entities, offering a range of financial planning and advisory services with a variety of portfolio management styles.

Andrea Anderson is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management solutions. She is a member of The Anderson Group, which collectively brings over 50 years of experience serving families in the Chattanooga and Cleveland area. Andrea's work focuses on areas such as college education planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Andrea began her career in the financial industry in 2005, progressing through roles including intern, receptionist, operations and compliance, financial advisor assistant, team financial advisor, and now senior financial advisor. She holds a Bachelor's degree in Finance with a minor in Psychology from Georgetown College and earned an MBA from the University of Tennessee at Chattanooga. Andrea is also a Junior League of Chattanooga Sustainer and holds the Personal Investment Advisor (PIA) designation. Outside of her professional work, Andrea enjoys travel and staying active, with interests that include basketball, bowling, boxing, football, golfing, hiking, and ice hockey. She is married to her high school sweetheart, Kevin, and they have two dogs. Andrea values connecting with clients personally and professionally to help simplify their financial lives.

Morgan Maclellan is a financial advisor at UBS Financial Services with four years of industry experience. He has been with UBS since 2020 and previously operated as a franchisee of Your Pie from 2014 to 2020. Maclellan advises on business and planning matters for The Maclellan Foundation, a private Christian foundation focused on global outreach and local community support in Chattanooga. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions. The firm employs proprietary research and model-based asset allocations to tailor portfolios aligned with clients' goals and risk profiles.

Jefferson Cronan is a financial advisor at UBS Financial Services with 33 years of industry experience. He has been with UBS since 1994 and holds a Series 63 designation. In addition to his advisory role, he acts as co-trustee for an irrevocable trust established for a close family friend and serves as trustee for an irrevocable life insurance trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and capital markets services.

Ashlee Wallick is an International Wealth Advisor specializing in serving high-net-worth individuals and families. She focuses on providing personalized attention through a disciplined investment process tailored to clients’ unique goals and priorities. Ashlee’s areas of expertise include international wealth management, family wealth strategies, corporate executive services, and education planning. Ashlee holds the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™ and maintains Series 7, 63, and 65 FINRA registrations as well as the 215 insurance license. She earned an Associate's Degree from University Jose Miguel Carrera in Chile and is fluent in both English and Spanish. Ashlee resides in Coral Gables, Florida.

Erin Marken is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 licenses and having 14 years of industry experience. Prior to joining Raymond James in 2019, she worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. Since 2023, Marken serves as a health care surrogate, trustee, and power of attorney for a client of Raymond James. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services supported by a broad network of advisors and affiliated research resources.

George Vieth is a financial advisor at Cetera with over 31 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at multiple firms, including Voya Financial Advisors and Cetera Wealth Services. Vieth is involved in various activities outside advising, including serving as a board member at a nonprofit school, mentoring a university fraternity chapter, and providing tax preparation and college planning services. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. It offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Rebecca Gaylord is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and seven years of industry experience. She previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Wealth Management Company. Outside of finance, she serves as an assistant volleyball coach for a junior varsity team. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services as well as educational seminars.

Joseph Romanchik is a financial advisor at UBS Financial Services with 34 years of industry experience. He has been with UBS since 2009 and holds Series 63 and Series 65 licenses. Outside of his advisory work, Romanchik serves on the advisory committee for Girls Inc., where he provides budgeting advice to support scholarship funding. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities to tailor investment solutions to clients' goals and risk tolerances.

Deborah Cliffordbrown is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding a Series 63 designation and bringing 40 years of industry experience. She has been with Raymond James & Associates since 2013. 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 high-net-worth individuals, institutions, and municipal entities, offering a variety of financial planning and advisory services supported by comprehensive research and portfolio management options.

Mitchell Jobe is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for five years and held positions at Raymond James Financial Services from 2018 to 2020. Outside of his advisory role, he acts in a fiduciary capacity for a family-related business. LPL Financial is a national investment adviser and broker-dealer that serves individuals, retirement plans, institutions, and charitable organizations through a wide network of representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Gregory Mc Guire is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 credentials and has 32 years of industry experience. He has worked at SmartBank since 2019 and with Raymond James since 2014. Mc Guire also operates an independent insurance brokerage providing insurance services to clients. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings, including municipal advisory services and SIMPLE IRA employer consulting.

Erin Carboni is a financial advisor at UBS Financial Services with 19 years of industry experience. She has been with UBS since 2009 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Holly Bell Proshkin is a Series 66-credentialed financial advisor with Morgan Stanley, based in Chattanooga, TN, and has 23 years of industry experience. She has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its financial planning process.

Katherine Wallace is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, she worked as an independent contractor and has been involved with Chattanooga Aerials/Inversions Circus Arts since 2022. Outside of finance, she is engaged in circus arts activities. 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 municipal entities, offering tailored financial planning and non-discretionary investment consulting backed by extensive research and multiple portfolio management styles.

Sarah Daniel is a financial advisor at Morgan Stanley with 10 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2014. Outside of her advisory role, she is involved in property management as a sole proprietor of a rental property business in Chattanooga, Tennessee. Morgan Stanley Wealth Management offers a broad range of advisory programs for individuals and institutional clients, focusing on tailored financial planning backed by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-associated financial planning services.