William Marino is a CFP® professional affiliated with Mass Mutual Investors Services in Memphis, TN, with three years of industry experience. He previously worked at Regions Bank for six years before joining MML Investors Services LLC and MassMutual Life Insurance Company. Outside his advisory role, he owns and manages two single-family rental homes. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational programs, focusing on client-specific strategies without investment discretion.

John Pettey III is a Series 66-credentialed financial advisor with Raymond James & Associates in Memphis, TN, where he has worked for 13 years. He has 26 years of industry experience. 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, non-discretionary investment consulting, and institutional advisory services.

Andrew Haley is a financial advisor at Raymond James & Associates in Memphis, TN, holding a Series 66 designation with 15 years of industry experience. He has been with Raymond James & Associates since 2012. Outside of his advisory role, he owns and manages residential investment properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, charitable organizations, and government entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles and affiliated research.

John Threlkeld is a financial advisor with Raymond James & Associates in Memphis, TN, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Raymond James & Associates since 2005. 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 solutions.

John Alexander is a Series 66 credentialed financial advisor with Raymond James & Associates, based in Memphis, TN. He has 24 years of industry experience and has been with Raymond James & Associates since 2013. Outside of his advisory role, he serves as an officer and treasurer of a family holding company created for estate planning and acts as co-trustee of a family trust involving life insurance funding. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional advisory services supported by a broad range of portfolio management styles and firm research.

Charles Bledsoe is a financial advisor with Wells Fargo Clearing in Memphis, TN, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior experience includes roles at Wilson Bank & Trust, Raymond James Financial Services Advisors, Inc., and Suntrust Advisory Services. Bledsoe is also employed as a financial advisor at WBT Wealth Management. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Michael Powell II is a CFP®-credentialed financial advisor with 12 years of industry experience, currently with Cetera. His career includes roles at Shoemaker Financial Services and Minnesota Life Insurance Company. He serves as an advisory board member of the Memphis Maroon Club. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Charles Emerson II is a CFP® and ChFC® with 21 years of industry experience. He is currently affiliated with MassMutual Investors Services and MassMutual Life Insurance Company, where he has worked since 2017. Prior to that, he was with INVEST Financial Corp for seven years. Outside of his advisory work, Emerson serves as a ruling elder and member of Christ Covenant Church. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also provides educational seminars and specialized planning programs.

Cheryl Kelley is a CFP®-certified financial advisor with 30 years of industry experience. She has worked with Cambridge Investment Research Advisors since 2005 and has been associated with related entities including Pathway Financial Services, Inc. in Germantown, TN, where she is a significant owner. In addition to her advisory role, she is an independent insurance agent focusing on fixed annuity, health, life, and long-term care products. Cambridge Investment Research Advisors serves a broad range of clients including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm supports independent Financial Professionals with various portfolio management options, proprietary and unaffiliated model strategies, and multiple custody and platform arrangements.

Stephen Piacentini Jr. is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at FTB Advisors, Inc. Outside of his advisory role, he is involved as a partner in a real estate rental business in Panama City Beach, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, combining discretionary and non-discretionary management with model portfolios and research support.

Robert Horowitz is a Financial Consultant currently working at Fidelity Investments since 2021. In his role, he collaborates with clients to develop customized investment, retirement, and income planning strategies. Prior to joining Fidelity, Robert held positions as Advisor Development Manager at CUSO Financial from 2019 to 2020 and Market Director - Wealth at JP Morgan Chase from 2013 to 2019. He holds an insurance license in Arkansas.

Evan Stephens is a Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA) and is dedicated to helping clients pursue their financial goals by developing personalized strategies. Evan earned a Bachelor's Degree from Howard University. He focuses on connecting clients with the appropriate people, plans, and processes tailored to their unique ambitions. His work includes assisting clients with planning and funding education, retirement lifestyle considerations, potential healthcare costs, and long-term family goals. Evan emphasizes simplicity and transparency in wealth planning, aiming to make the complexities of investing accessible and manageable for his clients. He seeks to incorporate clients' personal perspectives and priorities into the financial strategies he develops.

Richard Carroll is a financial advisor with Ameriprise in Hernando, MS, holding Series 66 and Series 63 licenses and six years of industry experience. His career includes roles at Ameriprise since 2021 and previous positions at Regions Bank, Bankers Life Securities, Republic Finance, and LPL Financial. Ameriprise Financial Services is a diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service that provides ongoing retirement-income planning with a focus on dependable income sources and tax-aware withdrawal strategies.

David Hager is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently affiliated with LPL Financial and Cadence Bank. His prior experience includes roles at FTB Advisors and Duncan Williams, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with access to both discretionary and non-discretionary portfolio management.

Julius Flatt is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services and MassMutual Life Insurance Company since 1986. Outside of his advisory role, he is also active as a licensed insurance agent specializing in individual and group life and health products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to client goals.

John Davis II is a financial advisor with LPL Financial, holding Series 65 and Series 63 credentials and one year of industry experience. Prior to joining LPL Financial, he worked at MWA Financial Services Inc. and Modern Woodmen of America. Outside of his advisory role, he serves as a baseball coach for Easley Baseball Club and St. George's Independent School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Katie Pillow is a financial advisor with Wells Fargo Advisors and holds the Series 66 designation. She has 12 years of industry experience, including roles at Wells Fargo Clearing and Wells Fargo Advisors Financial Network. She is based in Memphis, TN. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services tailored to client needs, utilizing Wells Fargo research and tools to develop recommendations.

Christine Taylor is a financial advisor with UBS Financial Services in Memphis, TN, holding a Series 63 designation and 24 years of industry experience. She has been with UBS since 2011. Outside of her advisory role, she is involved in non-investment related duties at Commercial Advisors LLC, a commercial real estate business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and research to tailor plans to clients’ goals. The firm operates as a broker-dealer, investment adviser, and futures commission merchant, offering institutional trading capabilities alongside wealth management services.

Le Ticia Eldred is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2010. Outside of her advisory role, she owns a home-based leatherwork business where she designs and sews leather bags. She also serves as president of Business Networking International in Charlotte, North Carolina. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets through a large nationwide network of financial advisors and offers a range of advisory programs and affiliated investment products.

Hubbard Burgess is a financial advisor with Primerica Advisors, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior work includes time at Edward Jones and a 30-year career with the Internal Revenue Service. He is also involved in selling non-investment products such as home security and automation through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and limited separately managed account options under a tiered wrap-fee structure. The firm selects and oversees third-party asset managers and delegates trading to BNY Mellon Advisors, providing a curated investment approach that excludes institutional pension or profit-sharing plan management.