Jefferson Cross is a Wealth Management Advisor at Merrill Lynch Wealth Management with more than 28 years of experience in the financial services industry. He works with individuals and families to organize, plan, and track their financial goals, focusing on education about market movements and maintaining a long-term investment perspective. He is part of the Cagle Cross Group, a team of nine professionals with over 70 years of combined industry experience, including members who hold the CERTIFIED FINANCIAL PLANNER® certification. Jefferson holds a Bachelor's Degree from the University of Tennessee and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His client focus areas include college education planning, family wealth management strategies, employee financial health, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Outside of his professional work, Jefferson is a devoted family man who enjoys spending time with his wife and three children. He is a committed churchgoer and places his faith at the center of his life. Jefferson is also an enthusiastic supporter of University of Tennessee athletics, sharing this passion with his family.

Scott Schroeffel is a financial advisor with Raymond James Financial in Knoxville, TN, holding a Series 66 designation and 20 years of industry experience. He has worked with Raymond James and affiliated entities since 2018 and previously spent 10 years at Suntrust Investment Services. Outside of his advisory role, Schroeffel is an associate at Pinnacle Asset Management, where he builds relationships with partners and manages client investment accounts. 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, corporations, and institutions. The firm provides tailored, non-discretionary planning using analytical tools and supports clients through its advisory programs and institutional consulting.

Betsy Herzog is a financial advisor with Edward Jones in Knoxville, TN, holding the ChFC® and Series 66 designations and having 13 years of industry experience. She has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

Laura Mollenhour is a financial advisor at Edward Jones in Farragut, TN, with 12 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and tax-efficient services, operating under a fiduciary standard.

Wesley Wright is a financial advisor with LPL Financial in Knoxville, TN, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Cadaret, Grant & Co. Inc. and Raymond James Financial Services Advisors. Wright is a managing partner of Financial Concepts, an outside business activity noted in regulatory filings. 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, and institutional platforms, with investment strategies supported by both proprietary research and third-party subadvisors.

Brandon Hawk is a Series 66-licensed financial advisor with Edward Jones in Farragut, TN, where he has worked since 2018. He has seven years of industry experience, including prior roles with the Dox N Jox Radio Show and The Forge Training Facility from 2014 to 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a wide range of advisory programs and affiliated investment options. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Rose Swanger is a CFP®-certified financial advisor with 17 years of industry experience, currently affiliated with OSAIC since 2013. She also has ongoing roles with Advise Finance LLC and Emk Investment. Outside of her advisory work, she volunteers with programs focused on financial literacy for students and assists low-income individuals with tax preparation through the IRS Volunteer Program. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charities. The firm provides integrated brokerage and advisory services, using sophisticated portfolio construction tools and offering both discretionary and non-discretionary account management.

Patrick Sherrill is a financial advisor with Wells Fargo Advisors in Knoxville, TN, holding Series 63 and Series 66 licenses and with 27 years of industry experience. He has worked with various Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized offerings such as business-owner transition planning and special-needs analysis, using Wells Fargo research and planning tools.

Nicholas Gearhart is a financial advisor with Charles Schwab in Knoxville, TN, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at New York Life and Charles Schwab Bank, as well as involvement with Stricklers Ice and Beer. Outside of his advisory work, he serves as a referee for the West Bearden Basketball League, officiating youth basketball games. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset portfolios and alternative investment options.

Craig Beauregard serves as Vice President and Branch Leader, supporting a team of financial professionals in developing financial plans through advanced technology and strategies. He has held the position of Branch Office Manager at Fidelity Investments since 2012, following a year as Assistant Branch Manager. Prior to Fidelity, Craig gained experience in various roles including Performance Leader and Process Design Consultant at Merrill Edge, and multiple management positions at Bank of America Investments from 2003 to 2010. His career began in financial advisory roles at Dickinson & Company, Baraban Securities, and Barron Chase Securities in the mid-1990s. The biography does not include information on his education, credentials, personal interests, or community involvement.

Georgia White is a financial advisor at Ameriprise with 20 years of industry experience. She holds Series 65 and Series 66 licenses and has worked with Ameriprise and its affiliates since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement-income recommendations.

Jayaprakash Patel is a financial advisor at Osaic Wealth, Inc. in Knoxville, Tennessee, with 28 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors and SSN Advisory, Inc. Outside of his advisory role, Patel owns a CPA practice providing tax preparation, bookkeeping, and payroll services, and is involved as a partner in several hotel ventures. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct diversified portfolios managed on discretionary or non-discretionary bases.

Alan Jordan is a financial advisor with Primerica Advisors in Knoxville, TN, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2000 and has operated Jordan Tax Service since 1999. Outside of advisory work, he is involved in sales of loan products and home security and automation service referrals through affiliated firms. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs a model-based investment approach supported by third-party asset managers and provides custody and trade execution services through Pershing and BNY Mellon Advisors.

Wesley Parrish is a financial advisor with Primerica Advisors in Knoxville, TN, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Parrish is involved in the sale of investment-related products and also receives compensation for referrals related to home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, delegating trading responsibilities to BNY Mellon Advisors for model implementation.

Lee Demastus is a financial advisor with Raymond James & Associates and holds a Series 66 designation. He has a total of one year of industry experience, including previous roles within Raymond James since 2012. 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 wide range of clients including individuals, institutional plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research.

Michelle Johnston is a financial advisor at Cetera with 19 years of industry experience. She holds a Series 66 designation and has worked at firms including Avantax Advisory Services and 1st Global Advisors. In addition to her advisory role, she is a partner and CPA at Burns & Johnston CPAs and Business Advisors LLP, where she has worked since 1993. Cetera Investment Advisers LLC serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Christopher Whitman is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including comprehensive financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to assist clients.

James Powers is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Greensview Wealth Management and TrustFirst, Inc. Powers serves as a board member for The Dream Connection, a nonprofit focused on fulfilling the wishes of children with life-threatening illnesses. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, employing asset-allocation tools, risk-tolerance analysis, and automated rebalancing across a variety of investment products and account management options.

Quentin Ledford is a financial advisor with Cambridge Investment Research Advisors in Knoxville, TN, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Valic Financial Advisors and Osaic FS, Inc. Ledford is also involved as an independent insurance agent with AFC-MD Benefits Consultants LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing proprietary and third-party investment strategies across multiple platform arrangements.

Cheryl Jenkins Nelson is a financial advisor with UBS Financial Services in Knoxville, TN, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with UBS Financial Services since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor plans to clients’ goals and risk tolerances.