David Keith is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2023. Outside of his advisory role, he performs as a musician with the Creative Arts Guild community orchestra twice per year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large national network of financial advisors and branch offices.

Emily Cook is a financial advisor at Raymond James Financial Services Advisors, Inc. with one year of industry experience. She holds the Series 66 designation and has previous experience at Pinnacle Financial Partners and 21st Mortgage Company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports its clients through various advisory programs and specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Ralph Drayer is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Drayer serves as a trustee and co-trustee for a trust in Hilton Head, South Carolina. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm’s financial planning includes tailored strategies supported by firm-approved tools and research, and it manages approximately $2.74 trillion in client assets.

Wayne Starr is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 65 and Series 63 licenses and bringing 17 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2008. In addition to advisory services, he is involved in the sale of loan products and home security referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies managed by unaffiliated asset managers. The firm supports its approximately 3,700 advisors nationwide with custody and trade execution services, focusing on individual investors rather than institutional clients.

Tena Kellis is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has been with Raymond James for 21 years and simultaneously owns and manages a plumbing service business. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Justin Lacy is a financial advisor with MassMutual Investors Services holding a Series 66 designation. He has over 25 years of prior experience at Valvoline Retail Services and began his financial services career in 2025. Outside of advising, he owns and operates a short-term rental property business, managing all aspects including guest relations and maintenance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of services including wrap and money-manager programs and educational seminars.

James Phillips is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James & Associates since 2013. 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 services.

Matthew Crawford is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,000 financial advisors.

Erica Easterly is a financial advisor at Merrill with Series 63 and Series 66 designations and 29 years of industry experience. She has been with Merrill Lynch since 2000. 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 offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Werner Jr. is a financial advisor at Stifel with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to deliver asset allocation and planning analyses, with clients retaining discretion over implementation.

Walter Stamper III is a financial advisor with Raymond James & Associates in Chattanooga, TN, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. His career includes long-term roles at Merrill and Bank of America, in addition to his current position at Raymond James. 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, institutional clients, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kelly Jelenchick is a financial advisor at Raymond James & Associates with 34 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at firms including Wells Fargo Funds Distributor and Uhler Vertich White Advisors. 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, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

David Queen is a financial advisor with LPL Financial, holding the ChFC® designation and securities licenses Series 63 and Series 65. He has 32 years of industry experience, including 13 years at National Planning Corporation and over 29 years as a CPA with his own practice. David serves on the Tennessee Republican Party State Executive Committee. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing a broad platform that includes proprietary and third-party models and employs advanced tools to support its advisers.

Robert Donina Jr. is a financial advisor with UBS Financial Services in Chattanooga, TN, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he is a partner in a passive investment partnership and is involved in property refurbishment activities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates proprietary research and institutional trading capabilities to tailor investment strategies to clients’ goals and risk tolerances.

Laurel Heiligstedt is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 26 years of industry experience. She previously worked at Stifel Nicolaus & Co Inc for nine years before joining Raymond James in 2021. Raymond James & Associates, Inc. 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, institutional and pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Robert Hilliard is a financial advisor with Ameriprise in Cleveland, TN, holding a Series 63 designation and 26 years of industry experience. He has been with Ameriprise and its predecessor entity since 2005. Outside of his advisory role, he serves on the Board of Directors for Unteal and works as an independent contractor consultant for the Auspice Group, providing non-licensed consulting and advisory services. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with automated analysis to generate tailored retirement-income recommendations, primarily for clients holding assets in Ameriprise Managed Accounts.

Bennett Taylor is a financial advisor at Cetera with one year of industry experience. He holds the Series 66 designation and has worked at several firms, including Taylor Capital Management and George Wealth Management. Outside of advising, he serves as a credit analyst at Millennium Bank, where he underwrites customers primarily for the bank’s small business and consumer portfolios. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and planning services, employing multiple program structures and custodial relationships, with assets under management exceeding $256 billion.

Lindajane Cofield is a Series 66-licensed financial advisor with UBS Financial Services in Chattanooga, TN, where she has worked since 2021. She has three years of industry experience, including prior roles at the University of Tennessee at Chattanooga and Unum. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Steven Melton is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has nine years of industry experience, including six years at Edward Jones prior to joining Wells Fargo in 2018. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Kendall Kezdi is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in wealth management, retirement planning, and financial wellness strategies for individuals, families, and institutions. Ken focuses on developing financial wellness strategies by understanding clients' short- and long-term financial objectives. He joined Merrill Lynch Wealth Management in early 2007. Ken has extensive experience in analyzing, designing, and implementing Defined Contribution plans. He aims to simplify the participant experience, support retirement readiness, improve outcomes, and potentially lower fees through streamlined investment plan design. His goal is to help clients deliver value to plan participants while minimizing fiduciary liability risk and balancing plan governance, costs, and complexity. Ken retired as a Senior Chief Petty Officer from the U.S. Coast Guard in 2017 after 22 combined years of active and reserve service. He holds several professional designations, including Retirement Benefits Consultant, Certified 401(k) Professional (C(k)P®), Chartered Advisor in Philanthropy® (CAP®), Certified Plan Fiduciary Advisor (CPFA™), and Chartered Retirement Planning Counselor™ (CRPC®). Ken earned his high school diploma from Villa Angela St Joseph. He is affiliated with the U.S. Coast Guard.