Taylor Storad is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 registrations and three years of industry experience. Prior to his current role, he worked at Charles Schwab Bank and has experience in behavioral health and nonprofit sectors. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory models with access to affiliated discretionary separately managed accounts.

Kathryn Bailey is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Chattanooga, Tennessee. She leads a team of specialists dedicated to providing goals-based wealth management services for affluent families, accomplished professionals, and successful business owners. Kathryn focuses on building enduring client relationships through exceptional service, customized guidance, and a disciplined, strategic investment approach. With over 15 years of marketing experience and more than 20 years in asset management and entrepreneurship, Kathryn brings a comprehensive perspective to financial advising. She holds multiple professional designations including Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). Kathryn earned her Bachelor's degree from Mercer University and holds a Master's degree from the University of Tennessee. Kathryn is involved in various community organizations such as the Chattanooga Tennis Foundation, Junior League of Chattanooga, Rotary International, Girls Preparatory School, and St. Paul's Episcopal Church. She enjoys tennis, traveling, fishing, gardening, golfing, hiking, music, reading, and spending time with her family.

Edward Hostetler is a financial advisor with UBS Financial Services in Chattanooga, TN, holding a Series 66 designation and 14 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2017. Outside of his financial advisory role, Hostetler coaches the crew team at The McCallie School and serves on the boards of the Boys and Girls Club of Chattanooga, the Chattanooga Chamber of Commerce, and the Leadership Chattanooga Alumni Association. He is also the owner of TN Floating Dock Systems, a distributor of floating docks and jet ski lifts. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Jackie Petersen is a Series 66 licensed financial advisor with eight years of industry experience. She is currently with Thrivent Investment Management and has worked there since 2020. Prior to joining Thrivent, she was with Edward Jones from 2018 to 2020 and has a background that includes over a decade at Shoe Carnival. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under separate service arrangements.

Emily Cook is a financial advisor at Raymond James Financial Services Advisors, Inc. with one year of industry experience. She holds the Series 66 designation and has previous experience at Pinnacle Financial Partners and 21st Mortgage Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports its clients through various advisory programs and specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Ralph Drayer is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Drayer serves as a trustee and co-trustee for a trust in Hilton Head, South Carolina. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm’s financial planning includes tailored strategies supported by firm-approved tools and research, and it manages approximately $2.74 trillion in client assets.

Tena Kellis is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has been with Raymond James for 21 years and simultaneously owns and manages a plumbing service business. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

James Phillips 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. 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 financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Erica Easterly is a financial advisor at Merrill with Series 63 and Series 66 designations and 29 years of industry experience. She has been with Merrill Lynch since 2000. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Werner Jr. is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to deliver asset allocation and planning analyses, with clients retaining discretion over implementation.

Walter Stamper III is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. His career includes long-term roles at Merrill and Bank of America, in addition to his current position at 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 a diverse client base, including individuals, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kelly Jelenchick 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. Prior to joining Raymond James & Associates, she worked at several firms including Uhler Vertich White Advisors, Wells Fargo Funds Distributor, and Scott White Advisors. 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, charitable organizations, and municipal entities, offering non-discretionary financial planning and investment consulting supported by a wide range of portfolio management styles and affiliated research.

Robert Donina Jr. 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 since 2009. Outside of his advisory role, he is a partner in a passive investment partnership and is involved in property refurbishment activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities to tailor investment strategies to clients’ goals and risk tolerances.

Laurel Heiligstedt is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. She previously worked at Stifel Nicolaus & Co Inc for nine years before joining Raymond James in 2021. Raymond James & Associates, Inc. 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, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Bennett Taylor is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has worked at several firms, including Taylor Capital Management and George Wealth Management. Outside of advising, he serves as a credit analyst at Millennium Bank, where he underwrites customers primarily for the bank’s small business and consumer portfolios. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services, employing multiple program structures and custodial relationships, with assets under management exceeding $256 billion.

Lindajane Cofield is a Series 66-licensed financial advisor with UBS Financial Services in Chattanooga, TN, where she has worked since 2021. She has three years of industry experience, including prior roles at the University of Tennessee at Chattanooga and Unum. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Steven Melton is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kendall Kezdi is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in wealth management, retirement planning, and financial wellness strategies for individuals, families, and institutions. Ken focuses on developing financial wellness strategies by understanding clients' short- and long-term financial objectives. He joined Merrill Lynch Wealth Management in early 2007. Ken has extensive experience in analyzing, designing, and implementing Defined Contribution plans. He aims to simplify the participant experience, support retirement readiness, improve outcomes, and potentially lower fees through streamlined investment plan design. His goal is to help clients deliver value to plan participants while minimizing fiduciary liability risk and balancing plan governance, costs, and complexity. Ken retired as a Senior Chief Petty Officer from the U.S. Coast Guard in 2017 after 22 combined years of active and reserve service. He holds several professional designations, including Retirement Benefits Consultant, Certified 401(k) Professional (C(k)P®), Chartered Advisor in Philanthropy® (CAP®), Certified Plan Fiduciary Advisor (CPFA™), and Chartered Retirement Planning Counselor™ (CRPC®). Ken earned his high school diploma from Villa Angela St Joseph. He is affiliated with the U.S. Coast Guard.

John Pollock is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1981, alongside his tenure at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

William Hardin is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc. from 2013 to 2020. Hardin serves as a finance committee member for the Siskin Children's Institute, a nonprofit supporting children with special needs. 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 includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.