Rebecca Kernan is a financial advisor with Wells Fargo Clearing in Memphis, TN, holding a Series 66 designation and 21 years of industry experience. She worked at Stephens Inc. from 2004 to 2016 before joining Wells Fargo Advisors, LLC briefly in 2016 and then Wells Fargo Clearing, where she has been since. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process is grounded in modern portfolio theory and includes a wider range of financial product options than many large institutional advisers.

Blake Kirchner is an Investment Consultant at Fidelity Investments, a position held since 2025. Prior to this role, Blake served as a Planning Consultant from 2024 to 2025, a Relationship Manager from 2023 to 2024, and a Financial Representative from 2022 to 2023, all within Fidelity Investments. Blake holds insurance licenses in Arkansas and California. In client interactions, Blake focuses on building partnerships based on trust, transparency, and tailored strategies, aiming to develop financial plans that address clients' immediate needs and long-term goals. Outside of work, Blake enjoys spending time at the beach, attending concerts, watching football, engaging in social events with friends, watching movies, and listening to music.

Brian Williams is a financial advisor with Charles Schwab in Germantown, Tennessee, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Charles Schwab since 2015 and also works with Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Patrick Crowley is a financial advisor at MassMutual Investors Services with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at MassMutual and its affiliated firms since 2017, following six years at MetLife. He is also a non-active attorney. MassMutual 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, money-manager programs, and educational seminars.

Julie Terry is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. She spent 24 years at Ameriprise Financial Services, Inc. prior to her current role. Outside of her advisory work, she serves on the Board of Directors for the West Tennessee Women's Lacrosse Officials Association and is a board member of Civitan in Memphis, TN. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset 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 with algorithmic automation to support its advisory services.

Gena Wolbrecht is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 27 years of industry experience. She has worked at Cetera and its affiliates for multiple periods since 2012, with prior roles at LPL Financial, FirstBank Investment Partners, BankTennessee, and Regions Investment Services. She serves as a FINRA arbitrator and participates monthly with the Germantown Performing Arts Center Guild. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program structures.

Scott Treloar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. He has worked with various Wells Fargo entities since 2014 and previously held roles at Bank of America, Starbucks, and Little Caesars. Outside of his advisory role, he is employed part-time in retail and parking services in Franklin, Tennessee. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

Hannah Weatherly is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Weatherly & Associates team. She specializes in family wealth management strategies, legacy planning, managing new wealth, and working with women and wealth. Hannah focuses on portfolio construction, manager selection, and ongoing oversight to ensure that investment strategies remain disciplined, consistent, and responsive to evolving client priorities. She applies her analytical and problem-solving skills developed during her career at RBC Capital Markets, where she worked as an investment banking analyst in the Technology Coverage Group. This experience supports her work with clients during pivotal transitions, such as after a business sale or liquidity event, helping structure portfolios, evaluate risk, and allocate capital in alignment with long-term objectives. Hannah holds a Bachelor's degree in Business Administration with a concentration in finance from Southern Methodist University and is a Chartered Financial Analyst (CFA) charterholder as well as a Personal Investment Advisor (PIA). Outside of her professional activities, she enjoys hiking, tennis, yoga, and spending time with her family.

Ryan Ealy is a Financial Consultant at Fidelity Investments, where he has been serving since 2021. Prior to this, he worked as an Investment Consultant at Fidelity Investments from 2020 to 2021 and as a Financial Advisor at Securian Financial Services from 2015 to 2020. His professional experience encompasses financial consulting and investment advisory roles. Ryan holds an Arkansas Insurance License, enabling him to address insurance-related financial planning needs. He focuses on helping clients understand their financial situations, plan for important objectives, and implement strategies aligned with their goals. Outside of his professional work, Ryan has personal interests that include cars, cooking and baking, family activities, food, parenthood, and traveling.

Christopher Caldwell is a financial advisor with Raymond James & Associates in Memphis, TN, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Milton Knowlton is a ChFC® credentialed financial advisor with Mass Mutual Investors Services in Memphis, TN, bringing 56 years of industry experience. He has been affiliated with MML Investors Services, Inc. since 1982 and held a related broker-dealer registration since 1983. Outside his advisory role, he serves as treasurer for Memphians Care, a local organization that collects food for the Metropolitan Inter-Faith Association, and is involved in life settlement services through Knowlton Benefit Consultants, Inc. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using collaborative, annual planning engagements supported by firm-approved analytical tools.

John Shamblin is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at OSAIC. He has prior experience with Shoemaker Financial and Securian Financial Services. Outside of his advisory role, he has been involved with Funtime Skateland for several years. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party managers to construct portfolios across various asset classes.

Justin Barden is a financial advisor with LPL Financial in Memphis, TN, holding Series 63 and Series 66 credentials and 23 years of industry experience. He has worked at First Tennessee Brokerage, Inc. since 2012 and joined LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a variety of advisory and financial planning services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Walter Roop is a financial advisor at LPL Financial with 38 years of industry experience. He previously spent 32 years at Fortis Investors, Inc. In addition to his advisory role, he owns Bolin Grove Farms, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research from LPL Research and third-party subadvisors.

Evan Fischer is currently the Vice President and Wealth Planner at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2010, progressing through roles including Investments Representative and Financial Consultant. Prior to joining Fidelity, Evan worked as a Financial Advisor at Edward Jones from 2007 to 2010. Throughout his career, Evan has partnered with clients and their families to build, implement, and maintain long-term financial plans across various market conditions. His approach centers on understanding clients' priorities to develop personalized strategies aligned with their goals, values, and vision for the future. He holds an Arkansas Insurance License. Outside of his professional work, Evan enjoys biking, movies, parenthood, pets, soccer, and swimming.

Edward Felsenthal is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding 57 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has a long career history including roles at Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and his own firm, Felsenthal Planning & Service, which he has operated since 1963. In addition to advising, Mr. Felsenthal is actively involved in insurance services and serves as president of Hemisphere General Insurance Group, Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers 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 software to analyze client goals and recommends investment strategies without discretionary authority.

William Morgan is a financial advisor at LPL Financial with 37 years of industry experience. He holds a Series 63 designation and has worked at First Tennessee Brokerage, Inc. since 1994 and FTB Advisors, Inc. since 2013. He began his current position at LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and retirement plan consulting, utilizing a range of portfolio management and research resources.

Ginger Shackelford is a financial advisor with Raymond James Financial in Memphis, TN, holding Series 63 and Series 66 designations and 17 years of industry experience. Prior to joining Raymond James, she worked at Apple Inc. from 2015 to 2020. She is also an associate at Swain Wealth Partners LLC, where she provides client support and trading assistance. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and advisory services supported by firm research and an extensive affiliate network.

Chandler Gagnon is a financial advisor with Mass Mutual Investors Services in Memphis, TN, holding Series 63 and Series 65 licenses and possessing 10 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities, Inc. He is also an independent insurance agent specializing in dental and group disability income, fixed annuities, life, accident, health, long-term care, and Medicare-related products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars utilizing firm-approved software to analyze client goals and provide written recommendations.

Jeffrey Elsworth is a financial advisor at Edward Jones in Collierville, TN, holding Series 63 and Series 66 credentials with 22 years of industry experience, all of which has been with Edward Jones since 2004. 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 through a nationwide network of more than 23,700 advisors and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.