Kelsey Ridge is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. She has worked with Pinnacle Bank, Pinnacle Asset Management, and The Frank Group since 2022, and previously spent six years at Ftb Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients, providing financial planning, investment consulting, and advisory services tailored to client goals through comprehensive risk profiling and analytical tools.

Thomas Caldwell III is a CFA® charterholder and holds a Series 66 license with 19 years of industry experience. He is currently affiliated with OSAIC and has been with Royal Alliance & Associates for 13 years. Caldwell serves on the board of the Chattanooga Metropolitan YMCA and is involved with the Council for Alcohol & Drug Abuse Services (CADAS) and Foundation Homes. OSAIC serves a diverse range of retail and institutional clients through a large network of financial advisors. The firm provides integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to offer customized portfolio management and financial planning solutions.

James Sims Jr. is a financial advisor with Ameriprise, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Sims serves on the Board of Directors for the Hunter Worley Foundation and works as a model and actor on a contractual basis. Ameriprise provides retirement-income planning services focused on clients approaching or in retirement with significant investable assets, combining research-driven recommendations with tax-efficient withdrawal strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Crowder is a financial advisor with Morgan Stanley in Chattanooga, TN, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2009 and has been with the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he performs music as an independent contractor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Steven Jones is a CFP®-certified financial advisor with Edward Jones, where he has worked since 1993, accumulating 33 years of industry experience. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved with Six Zero Pickleball, a company that offers pickleball equipment. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Benjamin Broome is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has 14 years of industry experience, including roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he operates as an independent insurance agent specializing in dental, disability, life, health, and Medicare-related insurance products. MassMutual 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 seminars, focusing on collaborative, goal-based planning without discretionary investment authority.

Amber Dietz is a financial advisor with Raymond James & Associates, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Merrill, Bank of America, and several companies outside of finance such as Kate Spade and Loft. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting supported by a range of portfolio management styles and affiliated research.

Kenneth Harpe is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and over 39 years of industry experience. He has been with MML Investors Services, Inc. since 1985. Outside of his advisory work, Harpe is also a writer of poetry, fiction, and reviews, dedicating a regular weekly schedule to this activity. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning using firm-approved tools.

Jeffrey King is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with LPL Financial since 2003. King is also active as a non-variable insurance agent with several related business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, financial institutions, and corporations. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Taylor Storad is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 registrations and three years of industry experience. Prior to his current role, he worked at Charles Schwab Bank and has experience in behavioral health and nonprofit sectors. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory models with access to affiliated discretionary separately managed accounts.

Lee Prichard is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Edward Jones since 2014. He holds the Series 66 license and is based in Soddy Daisy, Tennessee. Outside of his advisory role, Prichard is involved in managing rental property in Cleveland, Tennessee. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of over 23,700 advisors and more than 15,000 branch offices.

Edward Hostetler is a financial advisor with UBS Financial Services in Chattanooga, TN, holding a Series 66 designation and 14 years of industry experience. He previously worked at Morgan Stanley Private Bank, National Association from 2015 to 2017. Outside of his financial advisory role, Hostetler coaches the crew team at The McCallie School and serves on the boards of the Boys and Girls Club of Chattanooga, the Chattanooga Chamber of Commerce, and the Leadership Chattanooga Alumni Association. He is also the owner of TN Floating Dock Systems, a distributor of floating docks and jet ski lifts. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Jackie Petersen is a Series 66 licensed financial advisor with eight years of industry experience. She is currently with Thrivent Investment Management and has worked there since 2020. Prior to joining Thrivent, she was with Edward Jones from 2018 to 2020 and has a background that includes over a decade at Shoe Carnival. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under separate service arrangements.

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.