Amy Gavlenski is a CFP® certificant with eight years of industry experience, currently serving as a financial advisor at Raymond James & Associates. She previously worked at Wells Fargo Clearing for nine years and at Mina Sartipi & George Yu for four years. Outside of her advisory role, she holds power of attorney responsibilities for her mother. 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 municipalities, offering financial planning and investment consulting primarily through non-discretionary relationships supplemented by a range of portfolio management styles and affiliated research.

Saul Secundino Portano is a financial advisor at Fidelity with Series 66 and Series 63 credentials and five years of industry experience. His prior roles include positions at Morgan Stanley, J.P. Morgan Securities, and Primerica Advisors. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, managing model portfolios across mutual funds, ETFs, and ETPs.

Alan Darmody is a financial advisor with Primerica Advisors in Ooltewah, TN, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been with Primerica Advisors since 2015 and was previously associated with Cohutta Springs Conference Center. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliated companies of Primerica. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options structured as a wrap-fee solution. The firm curates third-party asset managers and uses an independent due-diligence process, with trading delegated to BNY Mellon Advisors.

Wayne Stickney is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 65 and Series 63 designations and bringing 11 years of industry experience. His background includes roles in education at multiple schools and ongoing work with PFS Investments Inc. Outside his advisory work, he is involved in selling loan products and home security services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-driven investment strategies and third-party portfolio management.

Kay Hughes is a CFP® professional with 20 years of industry experience, currently advising at LPL Financial since 2025. Her previous roles include positions at Cadaret, Grant & Co., Inc., Keel Point Capital, LLC, DeMoss Capital, Inc., and Telarray, LLC. She also serves as a notary and acts in a fiduciary capacity outside of her investment advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology tools for advisors.

Michael Burroughs is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Raymond James and its affiliated entities since 2018 and previously spent nine years with Wells Fargo Advisors Financial. Burroughs is also the owner of Burrroughs Keasler Investment Partners, where he serves as Branch Manager. 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 uses advanced analytical tools, supporting implementation primarily through its advisory programs and other providers.

Adam Snider is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2011 and has since managed a disciplined planning process for his team, focusing on personalized client recommendations. Adam works to ensure that asset allocation and portfolio strategy function together to help clients achieve their financial goals. Adam holds both a Bachelor's degree in Business Administration and an M.B.A. in Finance from Middle Tennessee State University. He is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, family wealth management strategies, retirement income planning, portfolio management services, and tax minimization. Residing in Dunlap with his wife Kendall and their three children, Gideon, Elizabeth, and Moses, Adam participates in personal interests such as hiking, playing musical instruments, team sports, and volunteering at his church.

Carla Donina is a financial advisor with UBS Financial Services in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. She has worked at UBS since 2009. Outside of her advisory role, she serves on the Board of Governors for Parkridge Health System and is involved with the AIM Center, which provides psychiatric rehabilitation services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to client goals and risk tolerances.

Bradley Burcham is a financial advisor with Mass Mutual Investors Services in Chattanooga, TN, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Mass Mutual Investors Services since 2005. Outside of his advisory role, Burcham is involved in several entrepreneurial ventures, including ownership of a sports card business and roles in various real estate and wholesale container sales companies. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also provides educational seminars and specialized planning programs.

Jody Riggs is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise since 2005. She has been a partner and executive-level decision maker at Mainstay Service Group, LLC, which provides administrative support for her advisory practice. She is also a co-owner of RBF Partners, LLC, managing her Ameriprise business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Becki Anderson is a CFP® professional with eight years of industry experience, currently serving at Edward Jones since 2018. Prior to joining Edward Jones, she held positions at KensieMae LLC and Loanwise Financial LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and provides affiliated mutual funds, overlay and tax-efficient services, and operates under a fiduciary standard.

Jonathan Dutton is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2002. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Based in Lookout Mountain, GA, Dutton has spent his entire advisory career with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households across various net worth levels, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices, offering a range of advisory programs and investment solutions under a fiduciary standard.

David Hudson is a financial advisor at UBS Financial Services in Chattanooga, TN, holding a Series 66 designation with 20 years of industry experience. He has been with UBS Financial Services since 2005. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm offers a range of solutions including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products, combining institutional trading capabilities with wealth management services.

Terra Lee is a financial advisor at Raymond James & Associates with 15 years of industry experience. She holds the ChFC® designation and Series 63 license. Prior to joining Raymond James in 2017, she worked at Northwestern Mutual Life Insurance Company and Northwestern Mutual Investment Management. Raymond James & Associates, Inc. oversees approximately $501 billion in assets and serves a diverse client base, including individuals, institutions, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, drawing on a variety of portfolio management styles supported by extensive research and affiliated sub-advisers.

Luane Culpepper is a CFP® professional with 42 years of industry experience, currently serving as a financial advisor at Ameriprise since 2022. Her prior experience includes roles at LPL Financial and Davis Financial Advisors. Outside of her advisory work, she is a part-owner of Applegate Partners and serves on the board of directors for Praying Friends, a nonprofit organization. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Herbert Spencer Jr. is a financial advisor with Morgan Stanley, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Stuart Vaughn is a financial advisor at OSAIC with 26 years of industry experience. He holds a Series 63 designation and has held roles at Woodbury Financial Services and Questar Asset Management. Vaughn is a partner and board member at Monarch Financial Group and serves as president of Insight Investments & Insurance, where he specializes in financial product sales and insurance services. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing a range of investment tools, third-party managers, and multiple advisory platforms.

Joy Clemons is a financial advisor with Ameriprise, holding a Series 63 designation and 23 years of industry experience. She has been with Ameriprise and its related entities since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement advice, primarily for clients with assets managed within Ameriprise.

Eugene Blair Jr. is a CFP®-designated financial advisor with LPL Financial, based in Chattanooga, TN, and has 45 years of industry experience. He has been with LPL Financial since 1990 and previously worked at Appliance Credit Union for nine years. Outside of his advisory role, he is involved in fixed insurance and tax preparation through Informed Investments. 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 financial planning and investment services, utilizing both proprietary and third-party strategies across various asset classes.

Damon Riggs is a Series 66-licensed financial advisor with Ameriprise in Chattanooga, TN, bringing 15 years of industry experience. He has been with Ameriprise and its affiliates since 2007. Outside of his advisory role, he manages Mainstay Service Group, LLC, which provides administrative services supporting a related financial practice. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement with substantial investable assets, delivering tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a dedicated team to support its advisory process.