Charles Rollins is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and previously worked at Empire Distributors, Volunteer Pharmacy, and Associated Brands. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Avery Massengill is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2009, including time at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was associated with CitiGroup Global Markets Inc starting in 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs using structured planning tools and investment analysis from its Global Investment Committee.

Brian Osgood Jr. is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as Chief and a member of the Board of Directors for the Blount County Rescue Squad. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing detailed recommendation reports on income, Social Security, and tax strategies. The firm combines research, modeling, and tax-efficiency analysis, delivering personalized advice through a centralized retirement-income consulting team.

Sarah Hurley is a financial advisor with Fidelity in Knoxville, TN. She holds Series 63 and Series 66 licenses and has four years of industry experience. Prior to joining Fidelity, she worked at Vanderbilt Mortgage and Finance and Trustco Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and fund advisory services.

Emily Webber is a Series 66-licensed financial advisor with Morgan Stanley in Knoxville, Tennessee, where she has worked since 2015, including ten years at Morgan Stanley Private Bank, N.A. She has ten years of industry experience. Outside of her advisory role, she serves as a board member for a local religious organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning, supported by structured discovery processes and analytical tools such as Monte Carlo simulations.

Danny Creswell is a financial advisor with Primerica Advisors in Farragut, Tennessee, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Primerica Advisors since 1981 and Primerica Financial Services since 1991. Outside of his advisory work, Creswell has operated Brannon Auto Sales since 1997 and boards horses at his personal residence. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Justin Mackay is a financial advisor with Wells Fargo Clearing in Knoxville, TN, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at Edward Jones for 10 years before joining Wells Fargo. Outside of his advisory role, Mackay serves as a public address announcer for the University of Tennessee Women's Soccer and the Knoxville Ice Bears and teaches introductory finance to eighth graders at the Tates School of Discovery. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kristi Hill is a financial advisor with Ameriprise in Maryville, TN, holding a Series 66 designation and 17 years of industry experience. Her prior experience includes roles at U.S. Bancorp Investments, LPL Financial, Tennessee Valley Asset Management Partners, and Quality Financial Concepts. Outside of her advisory work, she authored a faith-based book titled *Miles with the Master, 30 Devotionals for the Road of Faith*, published in 2025. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Michael Ousley is a financial advisor at Edward Jones with 14 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Dickerson is a Certified Financial Planner (CFP®) with 20 years of industry experience, currently serving as a financial advisor at Edward Jones since 2005. He holds Series 63 and Series 66 licenses. Outside of his advisory work, he serves as the Finance Chair for the YMCA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment solutions, operating a large network of advisors and offering services under a fiduciary standard.

Jeffrey Painter is a CFP® professional with 21 years of industry experience, currently affiliated with Raymond James & Associates since 2016. Prior to this, he worked at J.J.B. Hilliard, W.L. Lyons LLC for seven years. He serves as a future executor for relatives in a non-investment capacity. Raymond James & Associates is a large firm serving individuals, institutions, pension plans, and municipal entities with financial planning and non-discretionary investment consulting. The firm offers a range of portfolio management styles supported by affiliated research, and provides municipal advisory services alongside market-making and execution in municipal and government bonds.

Jillinn Wilson is a financial advisor at Equitable Advisors with three years of industry experience. She holds a Series 66 designation and previously worked at Edward Jones and as an independent insurance agent. Outside of her advisory role, she is involved with Oneill Marketing Florida as a health insurance agent. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Robert Williams is a financial advisor with Cetera, holding a Series 63 credential and 38 years of industry experience. He has worked at Millennium Wealth Management and Millennium Brokerage Group, among other firms, and is involved in fixed insurance retailing and wholesaling as a partner at Millennium Brokerage Group. Williams also serves as a trustee for several irrevocable trusts and operates as an independent insurance agent specializing in fixed annuities, life, accident, health, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party managers, and oversees approximately $256 billion in assets with a broad client base.

Chelsea Shanahan is a financial advisor with Mass Mutual Investors Services in Knoxville, TN, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Her prior work includes roles at LPL Financial, Invest Financial Corporation, and United Community Advisory Service. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual financial planning engagements using firm-approved analytical tools and provides specialized programs such as divorce planning and estate-settlement services.

Kimberly Redding is a financial advisor at Robert Baird & Co. with Series 65 and Series 63 credentials and three years of industry experience. Her work history includes multiple roles at RW Baird since 2019, along with prior experience in retail and food service sectors. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody services, supported by internal research and ongoing manager monitoring.

Samuel Frogg II is a financial advisor at Edward Jones in Kingston, TN, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and services supported by a large network of financial advisors and branch offices nationwide.

Melissa Williams is a financial advisor with Wells Fargo Clearing in Knoxville, TN, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously held roles at SunTrust Advisory Services and Suntrust Investment Services, Inc. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Brandi Shipwash is a financial advisor with Raymond James Financial, holding a Series 66 designation and 21 years of industry experience. She previously worked for TD Ameritrade from 2005 to 2021 before joining Raymond James in 2021. Outside of her advisory role, she owns and manages a rental property in Louisville, Tennessee. 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, and institutional investors. The firm provides tailored, non-discretionary planning using analytical tools and supports a wide advisor network, with specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Bavy Lopez is a financial advisor with Mass Mutual Investors Services in Knoxville, TN, holding the Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2010. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser under MassMutual, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes structured, collaborative planning engagements supported by firm-approved analytical tools and provides educational seminars alongside event-driven planning programs.

Jonathan Smith is a financial advisor with Primerica Advisors in Powell, TN, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked with Primerica Financial Services, PFS Investments Inc., and Src Inc since 2008 and 2010 respectively. Outside of his advisory role, Smith serves as an elder at Redemption Life Church. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited selection of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors for model implementation.