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.

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.

Heather Edmondson is a CFP® professional and Series 66 license holder with nine years of industry experience. She has been with Edward Jones since 2016. Outside of her advisory role, she serves as the Education Coordinator for the Nooga Exchange BNI group in Hixson, TN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment strategies. The firm is distinguished by its extensive advisor and branch network, affiliated investment capabilities, and fiduciary standard of care.

Mariah Barrows is a financial advisor with LPL Financial based in Chattanooga, TN, holding a Series 66 designation and three years of industry experience. She has previously worked with First Horizon Bank and First Horizon Advisors, where she spent a total of over seven years. Barrows is also a notary connected to First Horizon Bank and Advisors. 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, model portfolio programs, third-party asset management, and institutional platforms such as the Bank Wealth Program.

Robin Todd is a Financial Consultant at Fidelity Investments, a position held since 2015. In this role, Robin collaborates with clients to build and customize financial plans tailored to their individual family needs. Robin focuses on developing strategies that enhance these plans while maintaining open lines of communication. As a Certified Financial Planner, Robin acts as an advocate for clients, ensuring their financial objectives are met through careful planning and ongoing support. Robin's approach centers on partnership with clients to identify and implement effective financial solutions. Outside of work, Robin engages in various personal interests including fitness, football, golf, outdoor adventures, pets, and tennis.

Eric Abbott is a financial advisor at Edward Jones in Chattanooga, TN, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones, his work history includes roles at Holder Construction, O'Brian & Gere, Abbott Health & Fitness, and Orangetheory Fitness. Edward Jones is a full-service wealth management firm serving institutional and individual clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branches, offering a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Ronald Farrow is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and has previously worked at Lincoln Financial Securities Corporation and Independent Advisers Group Corp. Farrow is also involved in insurance-related activities, including offering various types of health and life insurance through his firm, Willow Tree Wealth Management, LLC. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, providing brokerage, investment advisory, and financial planning services. The firm uses advanced portfolio construction tools and offers access to multiple third-party money managers and managed-account solutions.

Kristie Stevenson is a Series 66 licensed financial advisor with LPL Financial, based in Chattanooga, TN, with four years of industry experience. She has been with LPL Financial since 2019 and concurrently works with Tennessee Valley Federal Credit Union since 2011. Stevenson operates a DBA for her LPL business under Tennessee Valley Investment Advisors. 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 advisory and brokerage services, employing multiple investment strategies and platforms supported by advanced operational tools.

Edward Obrien III is a financial advisor with UBS Financial Services in Chattanooga, TN, holding Series 63 and Series 65 designations and possessing 29 years of industry experience. He has been with UBS Financial Services since 2000. 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 combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Christopher Frank is a financial advisor with Raymond James Financial in Chattanooga, TN, holding a Series 63 designation and bringing 33 years of industry experience. He has worked previously with FTB Advisors, Inc. and First Tennessee Brokerage Inc. In addition to his advisory role, he is involved with Pinnacle Asset Management and The Frank Group, where he collaborates with banking partners and manages client investment accounts. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning supported by analytical modeling and maintains specialized programs and partnerships that differentiate its service offering.

Clark Bowers is a financial advisor with UBS Financial Services in Chattanooga, TN. He holds the Series 66 designation and has one year of industry experience. Prior to joining UBS, he worked at First Horizon Advisors and spent several years at FedEx Services and Robert Half. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets products.

Lesley Livingston is a financial advisor at Edward Jones in Cleveland, TN, holding Series 63 and Series 66 licenses with eight years of industry experience. She joined Edward Jones in 2019 after working at Polartec Tennessee Manufacturing and a brief period of unemployment. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Carrie Turcotte is a financial advisor at LPL Financial with 19 years of industry experience. She holds the CFP® and Series 66 designations and has previously worked at Wells Fargo Advisors and Raymond James & Associates. She operates in Chattanooga, TN, and maintains business entities related to her advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with a focus on combining scale and broad financial activities alongside its advisory services.

Cassandra Brewer is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds a Series 66 designation and has worked at UBS since 2011, including her current role since 2018. Prior to her current position, she was with Reliance Human Capital Management for one year. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor investment strategies aligned with clients’ goals and risk tolerance.

Christopher Cecil is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Edward D. Jones & Co., L.P. for 23 years before joining Wells Fargo Clearing in 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mindi Walters is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 credentials and 11 years of industry experience. She has worked at Primerica Financial Services since 1998 and currently operates Walters and Associates, LLC. Her activities include sales of investment-related products and part-time referrals for home security and automation services affiliated with Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors as well as corporate and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

David Conrad is a Series 66-licensed financial advisor with Ameriprise, based in Ooltewah, Tennessee, and has 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he is a co-owner of DSPC Real Estate LLC. Ameriprise provides retirement-income planning services targeted at individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Zachary Gilbert is a financial advisor at OSAIC with four years of industry experience. He holds a Series 66 designation and has worked previously at Lincoln Financial Securities Corporation, Bank of Tennessee, SmartBank, and Volkswagen. In addition to his advisory role, he is also active as an insurance agent offering various insurance products including accident, health, and life insurance. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated financial advisors and multiple advisory platforms. The firm utilizes a range of asset-allocation tools and third-party services to manage portfolios across discretionary and non-discretionary accounts.