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.

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 at Primerica Advisors with 11 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Walters and Associates, LLC, PFS Investments Inc, and Primerica Financial Services. In addition to advisory work, she is involved in sales of loan products and home security referrals through Primerica Mortgage and affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

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.

Craig Seyfert is a Wealth Management Advisor at Merrill Lynch Wealth Management. He employs a comprehensive, planning-based approach to wealth management, leveraging insights from Merrill and the banking services of Bank of America to develop personalized financial strategies aligned with clients’ long-term goals. With 25 years at the firm, Craig specializes in corporate benefits, executive services, divorce transition planning, employee benefits planning, executive compensation, institutional investment consulting, and services for endowments, foundations, and non-profits. His expertise extends to retirement planning and consulting for defined benefit and defined contribution plans. Craig holds a Bachelor's Degree from the University of Memphis and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Craig participates actively in his community, volunteering with organizations such as the Chattanooga Food Bank and Susan G. Komen. Outside of his professional responsibilities, his personal interests include hunting, ice hockey, skiing, and traveling.

Morteza Karimian is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He previously worked at Signator Investors, Inc. for 26 years before joining OSAIC in 2018. Karimian is also president and CEO of Innovative Financial Group-Chattanooga and is involved in several other business ventures, including serving as trustee for a family trust and co-owning Innovative Benefits Group, LLC. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage and investment advisory services, including managed portfolios and access to third-party money managers. The firm utilizes asset-allocation tools and risk-tolerance assessments to construct diversified portfolios and supports multiple advisory platforms and legacy program transitions.

Angela Spurling is a financial advisor with Merrill in Chattanooga, TN, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Merrill since 1989 and also worked at Bank of America, N.A. from 2025 to present. Angela is a member of Air 911 Heating & Cooling LLC, an HVAC company established for estate purposes. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joseph Johnson is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding a Series 63 designation and with 38 years of industry experience. He has been with Raymond James & Associates since 1994. Outside of his advisory role, he is involved in real estate investment as a part owner with his two brothers. 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 and profit-sharing plans, and charitable organizations, offering a range of financial planning and investment consulting services.

Molly Manning is a financial advisor at UBS Financial Services with nine years of industry experience. She holds a Series 66 designation and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and lending solutions.

Jessica Henry is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63, 65, and 66 licenses and totaling five years of industry experience. Her prior roles include positions at Regions Bank, KeyBank, Citizens Bank, and Verizon Wireless. 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 and non-discretionary investment consulting supported by a range of portfolio management styles and affiliated research.

Matthew Townley is a financial advisor with Thrivent Investment Management in Chattanooga, TN, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, Townley serves in various leadership positions at First Lutheran Church in Chattanooga and is involved with the Transformation Project, a prison ministry focused on supporting addiction-related offenders. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers comprehensive, goal-based planning and allows clients to combine planning with managed-account programs, maintaining distinct services without discretionary trading authority over client accounts.

Geoffrey Waite is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds a Series 66 designation and has worked at firms including Fisher Investments, Edward Jones, Bank of America, and Merrill. His background also includes roles outside of finance at JCS Medical, LLC and the Wiles Law Firm. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

William Collier is a financial advisor with Mass Mutual Investors Services in Chattanooga, TN, holding a Series 66 license and over 12 years of industry experience. He has been with Mass Mutual Investors Services since 2013 and with MassMutual Life Insurance Company since 2012, also working as an individual life insurance agent. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved analytical tools and offering event-driven planning programs.

Alvin Partridge is a financial advisor with Ameriprise, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 1991. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, with a focus on Ameriprise-managed accounts and a range of advisory, brokerage, and insurance solutions.

Robert Cabe II is a Certified Financial Planner® with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He participates on the finance committee of the Home Builders of Greater Chattanooga and serves on the board of the Soddy Daisy Trojan Fund. Edward Jones is a full-service wealth management firm with over 23,000 advisors nationwide, serving individual and institutional clients through a range of advisory programs and affiliated investment options.

Joel Denton is a financial advisor with Cambridge Investment Research Advisors holding a Series 65 designation. He has professional experience spanning roles in education and self-employment prior to joining Cambridge Investment Research Advisors in 2026. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers a range of financial planning and investment management services delivered through independent Financial Professionals, utilizing both proprietary and third-party strategies across various platform arrangements.

Brent Faulk is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 credentials and having 22 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he owns rental properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and tailored financial planning services.