Wesley Terwilleger is a financial advisor with UBS Financial Services in Chattanooga, TN, holding a Series 66 designation and 11 years of industry experience. He previously spent nine years at FTB Advisors, Inc. Outside of his advisory role, Terwilleger is involved in managing residential real estate investments. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines wealth management with institutional trading capabilities and offers a broad range of services including financial planning, portfolio management, and capital markets activities.

Catherine Cary is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2009 after seven years as a Financial Advisor with Ameriprise. She holds a Bachelor of Science degree, earned Summa Cum Laude from the University of Tennessee at Chattanooga, and has earned professional designations including Chartered Retirement Plans Specialist™ (CRPS™) and Certified Plan Fiduciary Advisor® (CPFA®). With over 15 years of experience, Catherine specializes in areas such as divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and women and wealth. She works closely with clients to develop personalized financial strategies tailored to their goals. Catherine is active in her community, volunteering with her children's school and having served on the board of Civitan International. She has also volunteered with America's Junior Miss at local and state levels. She resides in Chattanooga with her two children.

Melissa Cross is a Certified Financial Planner (CFP®) with 20 years of industry experience. She has been with UBS Financial Services in Chattanooga, TN since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of financial products and specialized support.

Peter Perdomo is a Series 66-licensed financial advisor with 21 years of industry experience. He is currently with UBS Financial Services and has previously worked with Ascensus in various capacities for over a decade. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, discretionary and non-discretionary portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides access to proprietary research and capital markets services.

Patrick Droke is a financial advisor at Edward Jones in Chattanooga, TN, with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cadaret Grant & Co., Inc., Cetera, Regions Bank, and TRM Insurance. Outside of his advisory role, he is involved in business development for a third-party logistics company and serves as a basketball referee for a local recreational league. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers both discretionary and non-discretionary investment strategies through a nationwide network of financial advisors and branch offices.

John Smith is a financial advisor at Cambridge Investment Research Advisors with 21 years of industry experience. He holds the ChFC® and Series 66 designations and has been with Cambridge since 2012. Outside of his advisory role, he owns Sand Oak Divorce Solutions LLC, which provides divorced planning services. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

George Menham is a financial advisor with UBS Financial Services in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS Financial Services since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor solutions to clients’ goals and risk tolerances.

Dean Draper is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2021, with prior experience at VOYA Financial Advisors and his own firm, Dean E. Draper. He is also an independent insurance agent and owner of Draper Wealth Management, which provides insurance and investment services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

James Henson Jr. is a financial advisor with OSAIC who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has worked at FSC Securities Corporation from 1995 to 2023 and at Citadel Financial & Retirement Solutions LLC since 2012. In addition to his advisory role, he is the owner of Citadel Financial & Retirement Solutions LLC, where he assists clients with financial planning, portfolio management, and retirement and estate planning. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services and employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing in managing portfolios that may include a range of securities and alternative investments.

Christopher Wiley is a financial advisor at Robert W. Baird & Co. He holds Series 65 and Series 63 licenses and has recently entered the industry. His prior experience includes roles at Northwestern Mutual and UBS Financial Services, along with academic positions at Vanderbilt University and the McCallie School. The DDK Group at Robert W. Baird, where Wiley works, serves individuals—including high net worth clients—corporate and business clients, pensions, and charitable organizations. The team offers a variety of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies supported by internal research and technology.

Shane Unsworth is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds the Series 66 designation and has been with UBS since 2011. Outside of his advisory role, he serves as president of the Chattanooga Hamilton Pointe chapter of Business Networking International and assists with major events for Life Care Centers of America. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Eilier Teruel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and families to understand their financial situations and unique goals, providing tailored financial strategies to help them pursue their aspirations. His approach integrates investment insights from Merrill as well as banking services from Bank of America to create comprehensive and personalized wealth management solutions. Teruel's expertise spans areas including education planning, family wealth management, retirement planning, portfolio management, and liquidity management. He holds professional designations such as Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Florida International University. In addition to his professional work, Teruel is actively involved in community organizations including the Boys & Girls Clubs of Chattanooga and the Kiwanis Youth Foundation. He volunteers with several community initiatives such as the Chattanooga Area Food Bank, Habitat for Humanity of Greater Chattanooga, and Wreaths Across America. Outside of his professional commitments, he enjoys activities like boating, cooking, dancing, fishing, golfing, hiking, racquetball, running, soccer, and tennis.

Lisa Humphres is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and three years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc., Pinnacle Financial Partners, First Horizon, and Midlab. 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, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Douglas Marken is a financial advisor at Raymond James & Associates with 29 years of industry experience. He has previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association. Marken serves as a member of the finance and investment committee for Community Blood Holdings, a nonprofit organization. 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, pension plans, and charitable organizations, offering tailored financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Kelsey Ridge is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. She has worked with Pinnacle Bank, Pinnacle Asset Management, and The Frank Group since 2022, and previously spent six years at Ftb Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients, providing financial planning, investment consulting, and advisory services tailored to client goals through comprehensive risk profiling and analytical tools.

Thomas Caldwell III is a CFA® charterholder and holds a Series 66 license with 19 years of industry experience. He is currently affiliated with OSAIC and has been with Royal Alliance & Associates for 13 years. Caldwell serves on the board of the Chattanooga Metropolitan YMCA and is involved with the Council for Alcohol & Drug Abuse Services (CADAS) and Foundation Homes. OSAIC serves a diverse range of retail and institutional clients through a large network of financial advisors. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to offer customized portfolio management and financial planning solutions.

James Sims Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Sims serves on the Board of Directors for the Hunter Worley Foundation and works as a model and actor on a contractual basis. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research-driven recommendations with tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Crowder is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2009 and has been with the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he performs music as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Amber Dietz is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Merrill, Bank of America, and several companies outside of finance such as Kate Spade and Loft. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting supported by a range of portfolio management styles and affiliated research.

Kenneth Harpe is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and over 39 years of industry experience. He has been with MML Investors Services, Inc. since 1985. Outside of his advisory work, Harpe is also a writer of poetry, fiction, and reviews, dedicating a regular weekly schedule to this activity. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning using firm-approved tools.