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.

Taylor Storad is a financial advisor with Charles Schwab holding Series 63, Series 65, and Series 66 licenses and four years of industry experience. Prior to his current role, he has held positions at Charles Schwab Bank and worked in behavioral health and nonprofit care. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a centralized operational structure and a formalized alternative-investment platform.

Leandro Christiano Silva is a Financial Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2014 and focuses on assisting clients by simplifying complex financial concepts and tailoring customized planning to help them achieve their financial goals. Leandro works closely with clients to define their goals and develop portfolio strategies designed to help them reach those objectives, providing ongoing advice as clients' situations evolve. Leandro's areas of expertise include College Education Planning, Executive Compensation, Equity Compensation Services, Personal Retirement Planning, Portfolio Management Services, Socially Responsible, Values Based, and ESG Investing, Sports & Entertainment, Tax Minimization, and Retirement Income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned both his Bachelor's and Master's degrees from Middle Tennessee State University. Originally from Rio de Janeiro, Brazil, Leandro has lived in the Middle Tennessee area since 2006. Outside of his professional work, he enjoys swimming, biking, running, and spending time with his wife and their two energetic boys.

Kathryn Bailey is a Senior Financial Advisor at Merrill Lynch Wealth Management. She leads a team of specialists dedicated to providing goals-based wealth management services tailored to affluent families, accomplished professionals, and successful business owners. Kathryn focuses on building enduring client relationships through customized guidance, exceptional service, and a disciplined, strategic approach to investing. Before joining Merrill Lynch Wealth Management, Kathryn had a 20-year career in asset management and entrepreneurship, bringing extensive experience and expertise to her role. She holds several professional designations, including Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). She earned a Bachelor’s degree in Business Administration from Mercer University and a Master's degree from the University of Tennessee System. Kathryn actively participates in her community, dedicating time to organizations such as the Chattanooga Tennis Foundation and St. Paul's Episcopal Church. She is also involved with the Junior League of Chattanooga and Business Network International. Outside of her professional work, she enjoys tennis, traveling, spending time with her family, and other personal interests including antiquing, fishing, gardening, golfing, hiking, music, and reading.

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.

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 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including International Advisory Consultants Inc. and Citigroup Global Markets prior to joining Stifel in 2015. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

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 30 years at Merrill and 17 years at Bank of America, NA prior to joining Raymond James in 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, institutions, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Kelly Jelenchick is a financial advisor at Raymond James & Associates with 34 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at firms including Wells Fargo Funds Distributor and Uhler Vertich 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, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

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 with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. He previously worked at Edward Jones for six years before joining Wells Fargo Clearing in 2022. 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 a range of brokerage and advisory solutions supported by research and analytics.

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.