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 with LPL Financial in Memphis, TN, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His career includes previous roles at Ftb Advisors, Inc., First Horizon Advisors, Inc., and Morgan Stanley DW Inc. Outside of his advisory work, he is a partner in L & P Enterprise, a real estate rental business in Panama City Beach, FL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of investment solutions, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 63 and Series 66 licenses and six years of industry experience. His prior roles include positions at Regions Bank, Bankers Life, Republic Finance, and LPL Financial. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service for clients nearing or in retirement, providing written Recommendation Reports and ongoing retirement-income planning advice based on proprietary research and third-party data.

David Hager is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at FTB Advisors and Duncan Williams, Inc. He currently operates under the trade name Cadence Investment Services in connection with his work at LPL Financial. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

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.

Katie Pillow is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 13 years of industry experience. Her prior experience includes two years at Morgan Stanley before joining Wells Fargo Clearing in 2016. She is currently based in Memphis, TN. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services supported by proprietary research and tools, serving clients who meet specific net-worth criteria.

Christine Taylor is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds a Series 63 designation and has been with UBS since 2011. Outside of her advisory role, she is involved with Commercial Advisors LLC in a non-investment capacity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, employing proprietary research and model-based asset allocations to tailor client strategies.

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.

Brooke Bobo is a financial advisor with J.P. Morgan Securities in Germantown, TN, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities, Brooke worked at Edward Jones, Thrivent, Raymond James, and Regions Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.