Monique Cross is a financial advisor with CWM, LLC in Johnson City, TN, holding a Series 65 designation and two years of industry experience. She has worked at multiple firms, including Carson Wealth, Marmo Financial Group, Trinitas Wealth Management, and Worthwhile Wealth Council. Cross serves as a board member for Make A Wish of East Tennessee, helping to guide the chapter. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm manages portfolios primarily on a discretionary basis using model portfolios, combining fundamental and technical analysis, third-party sub-advisors, and customization tools.

Jeffrey Burgess is a financial advisor with Voya Financial Advisors, Inc. He holds Series 63 and Series 66 designations and has 23 years of industry experience. His prior roles include positions at TriStar Advisors, Regions Bank, Cetera, Humana, and several other firms. Voya Financial Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, retirement plan sponsors, and charitable organizations. The firm offers various financial planning and portfolio management services through multiple program structures, focusing primarily on non-discretionary, recommendation-based relationships.

Joshua Adkins is a financial advisor at OSAIC Institutions, Inc. with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at TruPoint Bank, Modern Woodmen Of America, and MWA Financial Services Inc. He serves as treasurer for Isaiah 1:17 House Wise/Scott/Lee/Norton, a charitable fundraising organization. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a large network of adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments while employing a hybrid adviser/broker-dealer structure that emphasizes firm supervision and client choice over discretionary authority.

Anna Davis is a financial advisor with Truist Advisory Services and holds a Series 66 designation. She has two years of industry experience and has been with Truist Bank since 2004. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by AI-enabled research tools and inter-affiliate integration with related entities.

Niles Geary II is a financial advisor at United Planners' Financial Services of America with 17 years of industry experience. He holds a Series 66 designation and has held roles including co-founder and CEO of Voyage Partners Financial Strategies, LLC, where he focuses on tax planning and employer group benefits. Geary also operates as an insurance agent and has involvement in real estate sales and property management through Serenity Haven Properties. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients, offering financial planning, portfolio management, retirement plan services, and brokerage solutions through a network of 477 independent Investment Advisor Representatives. The firm utilizes an open-architecture platform with multiple custodians and third-party money managers, supporting a variety of advisory models.

Andrew Julian is a Certified Financial Planner® with 10 years of industry experience. He is currently with Private Advisor Group, LLC and previously worked at Cornerstone Wealth, LLC, Cambridge Investment Research Advisors, Inc., Cambridge Investment Research, Inc., and Northwestern Mutual Investment Services LLC. Outside of his advisory role, Mr. Julian holds an insurance license and may recommend insurance products on a commission basis, which is separate from his investment advisory services. Private Advisor Group serves a diverse client base including individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various managed account programs, employing a fiduciary-based advisory model that includes both third-party managers and proprietary technology platforms.

Chad Mckinney is a Certified Financial Planner® with 14 years of industry experience. He is currently with Valic Financial Advisors and also serves as an agent for AGIA, selling non-securities insurance products. His prior roles include positions at FTB Advisors, Inc., Advised Assets Group, LLC, and GWFS Equities, INC. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Ann Turner is a financial advisor with Valic Financial Advisors in Gray, TN, holding Series 63 and Series 66 licenses and four years of industry experience. Her prior roles include positions at Agia, Western & Southern Life, and Primerica. She is also appointed as an agent to sell non-securities insurance products for Agia. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models for portfolio construction.

David Bell is a financial advisor with OSAIC Institutions, Inc., holding a Series 66 designation and five years of industry experience. His background includes roles at TruPoint Bank, Bank of America, Merrill, Regions Bank, Strategic Outsourcing, Inc., and SunTrust Bank. Outside of advisory work, he serves as a branch manager at TruPoint Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan support, and access to alternative investments, operating a hybrid adviser/broker-dealer model with discretionary and non-discretionary account management.

Charles Johnson is a financial advisor with GWN Securities Inc. in Piney Flats, TN, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at GWN Securities since 2010 and previously spent 18 years with Interactive Financial Advisors. Outside of his advisory role, Johnson owns a tax preparation service and an investment and insurance firm called Integrity First Financial Group. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients, including high-net-worth individuals. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, utilizing a variety of investment approaches including legacy market-timing and momentum-based strategies.

Scott Marmo is a financial advisor with Cetera Planning Partners in Johnson City, TN, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining Cetera Planning Partners in 2026, he spent 19 years with Marmo Financial Group. He also serves as an ex-officio board member of Holston Medical Group, P.C., a multi-discipline medical practice. Cetera Planning Partners serves individual and high-net-worth clients, focusing notably on pre-retirees and retirees with services including investment management, financial planning, Social Security optimization, and retirement advice. The firm incorporates diversified mutual fund and ETF allocations tailored to client objectives and risk tolerance, and offers ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers.

Justin Copp III is a financial advisor with Valic Financial Advisors in Johnson City, TN, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has been with Valic Financial Advisors since 2015 and also works as an agent with Agia, offering non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models and operating at scale with approximately $26.4 billion in discretionary assets under management.

Jake Stone is a financial advisor with CWM, LLC, holding a Series 65 credential and five years of industry experience. His prior roles include positions at Carson Wealth, GAAM Wealth Advisors, and Cetera Advisor Networks. Outside of advisory work, Stone serves as a board member for the East Tennessee Make-A-Wish Foundation and is involved with the Young Professionals of Johnson City Council. He has also served as a speaker at King University. CWM, LLC is an SEC-registered investment adviser that serves individuals, families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm manages accounts using discretionary model portfolios supported by fundamental and technical analysis, third-party sub-advisors, and customization tools, with a notable focus on retirement plan and institutional services.

Amy Grindstaff is a financial advisor at Cetera Planning Partners in Johnson City, TN. She holds a Series 65 designation and has experience in the industry since 2024, including prior roles at Marmo Financial Group and positions in the technology and business systems sectors. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees with services such as investment management, comprehensive financial planning, and Social Security optimization. The firm also provides tax planning, bookkeeping, payroll support, and estate-planning through a third-party provider, using a diversified investment approach aligned with client objectives and risk tolerance.

Zachary Green is a Series 66-licensed financial advisor at Empower Advisory Group with three years of industry experience. He previously worked at Edward Jones for two years and has been with Empower Advisory Group and affiliated entities since 2025. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, delivering services through an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm offers point-in-time financial plans and optional managed account solutions within plan lineups chosen by plan sponsors.

Amanda Hudson is a financial advisor with Truist Advisory Services, holding a Series 66 designation and three years of industry experience. She previously worked at Truist Bank for nine years before joining Truist Advisory Services and Truist Investment Services. Hudson serves as a board member of the Kingsport Office of Small Business Development & Entrepreneurship (KOSBE), where she attends quarterly meetings and promotes regional business growth. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Carter Honeycutt is a financial advisor with Money Concepts Capital Corp and holds Series 63 and Series 66 licenses. He has 13 years of industry experience and has previously worked at American Portfolios Financial Services, Inc., OSAIC, and Allstate Insurance Co. Outside of his advisory work, he is involved in selling Medicare Advantage and Medicare Supplement plans through Senior Financial Group. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base, including individual investors, pension plans, and corporations. The firm utilizes model-driven and asset-allocation approaches, offering both discretionary and non-discretionary programs supported by third-party managers and technology platforms.

Jeremy Day is a financial advisor at CWM, LLC with six years of industry experience. He holds a Series 66 designation and previously worked with Carson Wealth, Cetera Advisor Networks, and Edward Jones. Outside of his advisory role, he serves as a board member for Camp Jorn YMCA, contributing to the organization’s governance and operational oversight. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of partner offices and advisors. The firm employs a discretionary investment approach using model portfolios governed by an in-house Investment Committee and provides a range of services including portfolio management, financial planning, and retirement-plan solutions.

Wesley Robbins is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Truist Advisory Services since 2016 and has worked at Truist Investment Services since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, fiduciary support, and a manager-selection program, utilizing a combination of discretionary and non-discretionary approaches supported by AI-enabled research tools and inter-affiliate integration.

Vincent Davis is a financial advisor at Money Concepts Capital Corp with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at American Portfolios Financial Services, Inc. and OSAIC prior to joining his current firm. Outside of his advisory work, he owns Watauga Riverbend Retreats, an Airbnb investment. Money Concepts Capital Corp provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm employs model-driven and asset-allocation strategies and manages approximately $4.07 billion in assets through a large network of advisors.