Amin Mulji is a financial advisor with Cetera, holding Series 65 and Series 63 credentials and 12 years of industry experience. He has worked with Cetera Wealth Services and VOYA Financial Advisors, and has been involved in managing and operating a Subway franchise for over 20 years. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers across various investment strategies.

Tiquadney Terrell is a Series 66-licensed financial advisor with Merrill, based in Memphis, TN, and has one year of industry experience. Prior to joining Merrill, Terrell worked at Bank of America, Walmart, and served six years in the United States Army. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gary Dering is a financial advisor at Cetera with 46 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Cetera, he worked at VOYA Financial Advisors and operated GD & D, LLC. Outside of his advisory work, he owns and operates a cattle and horse farm and serves as president of the Tennessee Cattlemens Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Laura Devries is a financial advisor with Ameriprise in Olive Branch, MS, holding Series 63 and Series 65 designations and possessing 22 years of industry experience. She has worked with Ameriprise and its affiliates since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that include written Recommendation Reports and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Johathan Chandler is a Series 63-licensed financial advisor with 28 years of industry experience. He is currently with Cetera and has held prior roles at Avantax affiliated firms for over two decades. Outside of his advisory work, Chandler owns and operates tax preparation and accounting businesses. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services delivered through a nationwide network of over 10,000 advisors.

William Collins is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 license and possessing 21 years of industry experience. He has worked at Trustmark Bank since 2013 and joined Raymond James in 2025. Collins is also involved with Trustmark Financial Services, a support company based in Collierville, Tennessee. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional accounts. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and is notable for its municipal advisor affiliation and specialized SIMPLE IRA Employer Advisory & Consulting Services program.

Christopher Hicks is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 37 years of industry experience. He has worked with First Tennessee Brokerage, Inc. since 1997 and FTB Advisors, Inc. since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.