Byron Boyd is a financial advisor with LPL Financial in Chattanooga, TN, holding Series 63 and Series 65 licenses and 23 years of industry experience. Prior to joining LPL Financial in 2015, he worked at Equitable Advisors and OneAmerica Securities, and he founded Boyd Investments. Outside of advisory work, he is involved with Dowis & Boyd CPAs, PC, focusing on tax preparation and accounting services. 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, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Mary King is a financial advisor at Morgan Stanley with 30 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market modeling techniques.

Charley Poore III is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. His prior roles include positions at Fidelity Investments and Charles Schwab. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm combines a large network of financial advisors and branch offices with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Katy Cottle is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Raymond James Financial in Chattanooga, TN. She previously worked for FTB Advisors, Inc. for 19 years before joining Raymond James and FirstBank in 2022. Outside of advisory activities, she is an associate and sales assistant at FirstBank Investment Partners. 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 non-discretionary, tailored planning and consulting supported by advanced analytical tools and maintains specialized programs such as municipal advisory and SIMPLE IRA Employer Advisory services.

Amanda Scott is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016, with a brief tenure at Raymond James & Associates. Her background also includes positions at Greater Lakes Mental Healthcare and Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Vicki Cherry is a financial advisor with Stifel in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Stifel since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group. The firm’s services include fee-based financial planning and tailored asset allocation guidance, with clients generally retaining discretion over implementation.

Earl Muse is a financial advisor with Mass Mutual Investors Services in Chattanooga, TN, holding a Series 66 designation and 14 years of industry experience. His prior work includes five years at Metlife Securities and a decade at MassMutual Life Insurance Co. Outside of advising, he is involved in organizing a yearly convention focused on writing, comic collecting, and related activities, where he helps run discussion panels and coordinates guests and vendors. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring advisory relationships as annual, collaborative engagements using firm-approved tools to analyze client goals and deliver recommendations.

Jill Byers is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 1996. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and various institutional investors.

Gina Liberto is a financial advisor with UBS Financial Services in Chattanooga, TN, holding Series 63 and Series 66 designations and five years of industry experience. Her prior roles include positions at J Raschke, George Financial, Equitable Advisors, LLC, and UNIFY Financial Credit Union. UBS Financial Services serves individual, corporate, and institutional clients through a variety of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial plans and portfolio management.

Kevin King is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2006 and holds a Series 66 designation. King served as a trustee for the Haggai Institute, a nonprofit focused on leadership training, from 2017 to 2020 and currently serves on the board of directors for the Riverfront Lodge HOA in Avon, Colorado. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services that include portfolio management, financial planning, and access to proprietary research and capital markets solutions.

Ashley Raymond is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Financial, Raymond worked at Morgan Stanley Private Bank and Ameriprise Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Thomas Butler III is a financial advisor with Raymond James Financial in Chattanooga, TN, holding a Series 66 credential and four years of industry experience. Prior to joining Raymond James, he worked at First Horizon Bank and other financial and educational roles. He is also an associate employee at Pinnacle Asset Management and The Frank Group, where he helps build client relationships and supports financial advisory activities. Raymond James Financial Services Advisors provides comprehensive financial planning, investment consulting, and advisory services to individuals, institutions, and corporations. The firm combines non-discretionary planning with risk profiling and analytical tools to support client goals and offers specialized programs including municipal advisory services and SIMPLE IRA employer consulting.

Roger Moreau is the sole advisor at Moreau Investment Management Co in Jasper, Tennessee, holding Series 63 and Series 65 credentials with 31 years of industry experience. He has led the firm since its founding in 1994. Moreau Investment Management Co provides discretionary portfolio management and investment advice primarily to individual and high-net-worth clients. The firm manages approximately $61.8 million across 47 client accounts and maintains operating policies focused on trade execution and conflict management, including prohibitions on related-person transactions and pooled investments.