Brian Cox is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Tennessee Valley Authority, Regions Bank, and Cetera. 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 and discretionary investment guidance using multi-asset model portfolios and centralized supervisory, custody, and order-routing services.

Ralph Gillentine is a CFP® and ChFC® with 22 years of industry experience, currently working at LPL Financial since 2008. He serves on the board of Cornerstone Systems, a for-profit company based in Memphis, Tennessee. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, and retirement plan consulting to individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers both discretionary and non-discretionary management, model portfolios, and a range of investment strategies supported by LPL Research and third-party subadvisors.

Ricardo Rivera Chapa is a financial advisor at Cetera with a Series 66 designation and no prior industry experience. He has been with Cetera and Cetera Wealth Services, LLC since 2025. Outside of his advisory role, he has been involved with Tekila Modern Mexian since 2022. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers through a multi-manager platform with various program structures and custodial relationships.

Chelsea Luttrell is a Planning Consultant at Fidelity Investments, where she works with clients to evaluate their financial situations and co-develop tailored strategies aimed at achieving their long-term goals. She focuses on building trust-based relationships to guide clients toward financial clarity and confidence. Chelsea's professional experience includes roles as a Relationship Manager and Financial Representative at Fidelity Investments, as well as a Financial Advisor position at Thrivent. Her background reflects a progression through various client-focused financial roles within the industry. Outside of her professional work, Chelsea enjoys activities with her family, visiting museums, solving puzzles, and reading.

Leanne Scull is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and 37 years of industry experience. She has been with Raymond James in various capacities since 2011. She also serves as trustee for two family-related trusts and is involved as an independent contractor advisor at Avenue Wealth Management Memphis. 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 investors. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and encourages client implementation through its advisory programs or other providers.

Alexander Georgopulos is a financial advisor with Wells Fargo Clearing in Memphis, TN, holding Series 65 and Series 63 licenses. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2024 and 2026, respectively. Prior to his financial services career, he worked in the hospitality industry and has experience at the University of Kentucky and Fenwick High School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jeff Williams is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. He previously held the position of Investment Consultant at Fidelity Investments from 2022 to 2025. Prior to joining Fidelity, Jeff worked as a Financial Advisor at Regions Investment Solutions from 2017 to 2022 and at Strategic Financial Partners from 2014 to 2017. Jeff holds an Arkansas Insurance License, which supports his work in providing financial and insurance-related advice to clients. In his role, he collaborates with clients to understand their financial goals and develop plans aimed at protecting and growing their wealth.

Stephanie Strelka is a financial advisor at LPL Financial in Memphis, TN, holding a Series 66 designation with four years of industry experience. Her prior roles include positions at Benchmark Wealth Management and the Children's Dental Center, as well as experience as a homemaker and work with LiveFit 901. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to provide both discretionary and non-discretionary management.

Brian White is a financial advisor with OSAIC in Germantown, TN, holding a Series 63 designation and 23 years of industry experience. His prior work includes 18 years at Woodbury Financial Services and ongoing roles at Century Financial and Performance Marketing Group. Outside of advising, he is the author of a book titled *Single Women in Retirement* and owns several small businesses, including Century Financial Tax, which offers individual tax return services. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisers and advisory platforms, providing integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation and portfolio management tools and supports both discretionary and non-discretionary accounts.

Grayson Lynn is a financial advisor at UBS Financial Services with seven years of industry experience. He has been with UBS since 2018 and previously worked at the University of Tennessee, Knoxville, while also involved with Millstone Market and Nursery. UBS Financial Services 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 investment plans based on clients’ goals and risk tolerances.

Charles Clark is a financial advisor at MassMutual Investors Services with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with MassMutual Investors Services since 2016, previously working with MassMutual Life Insurance Company. Clark is also engaged in life and health insurance sales. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning relationships using firm-approved tools and a range of investment and planning services.

Cherie Doleac is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016 and at Bank of America, N.A. since 2019. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Damon Lux is a financial advisor with Raymond James & Associates in Memphis, TN, holding Series 63 and Series 65 credentials and two years of industry experience. Prior to joining Raymond James, he worked at CoreVision Financial Group and has been involved in coaching baseball for the Memphis Tigers since 2024. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services supported by a nationwide adviser network.

Hugh Tanner is a financial advisor with Raymond James & Associates in Memphis, TN, holding a Series 63 designation and 38 years of industry experience. He has been with Raymond James & Associates since 2013. Tanner serves as a director on the board of the Middle Tennessee Council Boy Scouts of America. 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 diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Salam Assaf is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 16 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., Bni Midsouth Power Partners, and various insurance carriers. Outside of his advisory work, he is involved with Neurology Outreach Clinics in Memphis, TN. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios from both internal and third-party sources.

Randolph Austin is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds the Series 66 designation and has worked at several firms including Thrivent Financial, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. He is based in Memphis, TN. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through its network of financial advisors. The firm offers goal-based, holistic planning across various topics and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

Bradley Barker is a financial advisor with Raymond James & Associates in Memphis, TN. He holds the Series 66 designation and has three years of industry experience. Prior to joining Raymond James, he worked at Bank of Bartlett and served with the Memphis Police Department. He is also a partial owner of Blue Ghost Brewing Co LLC in Fletcher, NC. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Grant Mcdermott is a financial advisor with Raymond James & Associates in Memphis, TN, holding a Series 66 designation and 15 years of industry experience. He has been with Raymond James since 2015 and previously worked at St. Mary's Episcopal School from 2015 to 2020. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Chirag Chauhan is a CFP® professional with 28 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at HUB International, Equitable Advisors, and AXA Advisors. Chauhan serves as a FINRA arbitrator and is involved with BenefitsMe in a non-investment capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Matthew Rasberry is a financial advisor with Wells Fargo Clearing in Memphis, TN, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of his advisory role, he owns Rasberry Enterprises, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines internal research and third-party analytics to evaluate investment options, offering a range of brokerage and advisory solutions.