Valerie Marshall is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she collaborates with the team at Musgrave Dunn & Associates to provide tailored wealth management services. She employs her legal and financial expertise to assist clients in navigating their financial lives, focusing on areas such as retirement planning, legacy planning, tax minimization, and retirement income. Valerie's approach centers on understanding clients' personal goals to develop customized financial strategies. Before joining Merrill Lynch, Valerie practiced law for over eleven years with a focus on estate and gift tax planning, estate administration, and estate litigation. She then transitioned to a role in private banking as a senior trust advisor, expanding her financial advisory skills. Her education includes a Bachelor's Degree from Vanderbilt University and a Juris Doctorate Degree from the University of Kentucky. She holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Valerie is actively involved in community programs such as the Southland Christian Church Backpack Program and United Way of the Bluegrass. Outside of her professional and community activities, she enjoys gardening, knitting and crocheting, music, reading, running, spending time with her family, traveling, watching movies, and yoga.

Charles Chan is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked with Avantax entities for over two decades prior to joining Cetera in 2025. Outside of his advisory role, he owns Chan Tax & Financial Services, a tax preparation and accounting business, and is a licensed notary public. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Fogle is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he was involved with Our Ladys Rosary Makers for 11 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with a network of over 23,700 financial advisors and $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.

Laurie Bisig is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 designations and has spent multiple periods at Wells Fargo Clearing, most recently since 2022. Her career includes a brief retirement between 2021 and 2022. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

Stephanie Lyttle is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Ameriprise in Lexington, KY. She has been with Ameriprise and its affiliated entities since 2014. Outside of her advisory role, she is involved in managing office operations and bookkeeping through business ownership. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering comprehensive, non-discretionary recommendation reports that integrate research, modeling, and tax-efficiency strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Robert Shorr is a financial advisor with Wells Fargo Clearing in Lexington, KY, holding a Series 66 designation and seven years of industry experience. Prior to joining Wells Fargo Clearing in 2018, he worked at H and R Block of Georgetown for 18 years. He serves as a trustee for family trusts in Lexington. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Binz is a financial advisor with LPL Financial in Lexington, KY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services, Morgan Stanley Private Bank, Morgan Stanley, and Ameriprise. 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 financial planning, model portfolios, third-party asset management, participant-level retirement advice, and institutional platforms, delivering advice primarily through a large network of investment adviser representatives employing a range of investment strategies.

Noelle Evans is a financial advisor at Cetera with 12 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Cetera Investment Services since 2019. Prior to that, she was associated with Foresters Financial Services and Foresters Advisory Services. In addition to her advisory role, she serves as a registered practice operations coordinator for Triple Crown Financial, a Cetera business. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of program options including model portfolios, third-party managers, and bespoke strategies, overseeing more than $256 billion in assets and serving over 800,000 clients.

David Demarest is a financial advisor with UBS Financial Services in Lexington, KY, holding a Series 66 designation and 22 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, Mr. Demarest is involved in real estate through his sole proprietorship providing consulting and billing services as well as his partnership in operating commercial real estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Denver Haddix Jr. is a Series 66-licensed financial advisor with seven years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Robert Baird & Co., J.J.B. Hilliard W.L. Lyons, Keller Williams Greater Lexington, and Dennis Badger & Associates. Outside of his advisory role, he is involved with TourMidAm, LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, with operations supported by advanced research tools and a broad suite of related financial services.

Jeffrey Fields is a financial advisor with Raymond James Financial in Lexington, KY, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked with Raymond James Financial since 1999 and has also been involved with Central Investment Center Inc and Central Bank & Trust Co since 2002. Outside of finance, he co-writes books and participates in a podcast on life and faith through The Fields Brothers. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports municipal finance and SIMPLE IRA advisory programs.

Savannah Martin is a Series 66 licensed financial advisor with nine years of industry experience, currently with Raymond James Financial in Lexington, KY. She has previously worked at Hilliard Lyons and the University of Kentucky. Outside of her advisory role, she manages a rental property in Lexington. 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, and institutions. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings in municipal finance and employer advisory services.

Lillian Moore is a Financial Advisor at Merrill Lynch Wealth Management. She began her career in the financial industry in 2007 and specializes in areas including college education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, women and wealth, and tax minimization. Lillian holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, earned in 2020, and also carries the designation of Personal Investment Advisor (PIA). She graduated from the University of Kentucky's Gatton College of Business with a Bachelor's degree in Business Management. Throughout her career, she has focused on building strong relationships with clients by providing personalized and tax-efficient financial planning strategies tailored to their unique goals. Outside of her professional work, Lillian enjoys cooking, gardening, music, and swimming. She is involved with community organizations such as Habitat for Humanity and the Lexington Public Library. Lillian spends time with her husband, Evan, and their son, Bain, and appreciates outdoor activities, including gardening and swimming.

Brandon Potter is a financial advisor with Wells Fargo Clearing in Lexington, KY, holding a Series 66 designation and having 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets through more than 14,000 advisors, offering both brokerage and advisory solutions with a focus on research-driven investment strategies and a broad range of financial products.

Frederic Dupree III is a financial advisor with Raymond James & Associates in Lexington, KY, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Raymond James & Associates since 2013. 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, investment consulting, and institutional fiduciary services through a nationwide adviser network.

Brandon Fraley is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 15 years of industry experience. He previously worked at Morgan Stanley from 2011 to 2024, including roles at Morgan Stanley Private Bank. He serves on the Board of Advisors for Morehead State University’s School of Business Administration. Raymond James & Associates is a large broker-dealer and registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and consulting services supported by a wide range of portfolio management styles and affiliated research.

Brian Dehoag is a financial advisor with Equitable Advisors in Lexington, KY, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has worked with Equitable Advisors since 2006 and previously with AXA Advisors, PNC Wealth Management, and J.J.B. Hilliard, W.L. Lyons, LLC. Outside of his advisory role, he is involved as a sales associate with Realty Benefits Services and Dergalis Associates LLC and is a member of Central Kentucky Wealth, LLC and Paddock Wealth Management LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a network of investment adviser representatives and third-party managers to provide a range of investment solutions while delivering ERISA fiduciary services to qualified plans.

Seth Lawless is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management and a managing partner of Osborne Weber Lawless & Associates. His professional focus includes retirement and legacy planning, working particularly with engineers, doctors, pharmacists, and family business owners. Seth specializes in helping families navigate complex financial transitions, including assisting aging clients with engaging their children in financial affairs and developing strategies to transfer wealth across generations. He also works with clients to create investment strategies that prioritize charitable giving while maintaining tax efficiency. Seth graduated Summa Cum Laude from the University of Kentucky as a Singletary Scholar, earning a Bachelor of Business Administration with a double major in Business Management and Finance. He began his career in financial services as an intern during the 2009 financial crisis and joined Merrill Lynch in 2010. His professional credentials include FINRA Series 7 and 66 registrations as well as the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) and Chartered Retirement Planning Counselor (CRPC) designations. Living in Lexington with his wife, Sarah, and their two children, Seth is involved in his community and church. He has served in multiple roles at Southland Christian Church, including a seven-year term on the finance committee. He is Vice President of the Board of the Refuge Medical Clinic and has an extensive history with the Man o’ War Swim Conference, serving on its board and as past president. Seth’s community leadership also includes involvement with the Wilmore Dolphins and the Lexington Sunrise Rotary Club.

William Mullins is a CFA® charterholder with 34 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Based in Lexington, KY, he holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm leverages extensive research and analytics and offers both brokerage and advisory solutions through a large network of financial professionals.

Christopher Lee is a financial advisor at Robert Baird & Co. in Lexington, KY, holding a Series 66 designation with 26 years of industry experience. He previously worked for J.J.B. Hilliard, W.L. Lyons, Inc. for 20 years before joining Robert Baird & Co. in 2019. Outside of his advisory role, he is involved as an owner or member of several non-investment-related LLCs. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pension plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing a combination of manager-traded and model-traded strategies alongside tax-management and direct-indexing capabilities.