Shannon Ritzhaupt is a financial advisor at Edward Jones in Cleveland, TN, with six years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she is the owner of a restaurant, Cafe Roma, which she has overseen since 2003. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management. The firm offers a range of advisory strategies and maintains a large nationwide network of advisors and branches.

Luz Giraldo is a financial advisor with Mass Mutual Investors Services in Cleveland, TN, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at MetLife Securities Inc. for 17 years before joining Mass Mutual in 2016. Outside of her advisory role, she is also an individual life and health insurance agent. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers various programs including educational seminars and event‑driven planning services such as divorce and estate settlement planning.

Andrew Carson is a Series 66-licensed financial advisor with Edward Jones in Cleveland, TN, where he has worked since 2014. He has 11 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management supported by a nationwide network of more than 23,700 financial advisors.

James Scotchie is a financial advisor at Ameriprise with 31 years of industry experience. He holds a Series 63 designation and has been with Ameriprise since 2005. Outside of his advisory role, he serves as a trustee and Treasurer/Chair of the Finance Committee for Girls Preparatory School and is involved in a consulting business unrelated to investment activities. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Merrie Crawford is a financial advisor at Primerica Advisors with 29 years of industry experience. She holds Series 65 and Series 63 designations and has been with Primerica since 1996. In addition to her advisory role, she is involved in sales of investment-related products and receives compensation for referrals related to mortgage, home security, and automation services from affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable accounts. The firm’s advisory approach includes model-delivery strategies managed by unaffiliated asset managers and offers a range of strategic, tactical, tax-managed, and income-distribution investment models.

Gregory Highwood is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 1999 and has experience with Barnes Global Network LLC and Creswell Enterprises LLC. Outside of advising, he is involved with Gold's Gym, where he has been active for over a decade. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies and discretionary separately managed accounts with support from BNY Mellon Advisors and Pershing.

Thomas Tanner is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Transamerica Financial Advisors, Inc. and World Financial Group, Inc. In addition to his advisory role, Tanner operated T&B Designs Jewelry for several years. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services such as comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with portfolio optimization tools and offers access to alternative investments through third-party platforms.

Richard Cox Sr. is a financial advisor at OSAIC with over 40 years of industry experience. He holds the CFP® and ChFC® designations and has worked with firms including American Portfolios Advisors and Advisor Planning Corporation. Outside of his advisory work, he is the owner of a hobby car club called Southeast Chevelles, where he maintains the club’s website and social media pages. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation, portfolio optimization tools, and access to third-party money managers.

Ronald Mc Kelvy is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise and its affiliate since 2005. Outside of his advisory work, he serves on the Board of Directors for Caroosa County Elections. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients. The firm offers a specialized Premier Retirement Income service for clients approaching or in retirement, providing written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

William French is a financial advisor with Mass Mutual Investors Services in Chattanooga, TN, holding a Series 66 credential and six years of industry experience. He has worked at MML Investors Services since 2020 and BD Planning Partners/Mass Mutual since 2019. Outside of his advisory role, he is involved with Blair's Estate Sales as a moving team member. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC‑registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, with a focus on collaborative, goal-oriented planning engagements.

Kyle Luthy is a financial advisor with Ameriprise in Chattanooga, TN, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked with Ameriprise and its affiliates since 2009. Additionally, he provides client service and administrative support through Mainstay Service Group, LLC. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendation reports that incorporate research, modeling, and tax-efficiency analysis.

Tyler Matchack is a financial advisor with Cetera in Cleveland, TN, holding a Series 66 license and one year of industry experience. Prior to joining Cetera, he worked at MassMutual and MML Investors Services, LLC. Outside of finance, he has experience working with community organizations including Mercy Ridge Church Of God and Silverdale Baptist Church. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and a mix of discretionary and non-discretionary authorities.

Alexander Burroughs is a CFP® certificant with 14 years of experience in the financial services industry, currently serving at Raymond James Financial since 2018. Prior to this, he worked at Wells Fargo Advisors for seven years. He is a member of the finance and investment committee and serves as a deacon at Central Church of Christ, where he assists with budgeting and class coordination. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary consulting using analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Steven Mcnally is a financial advisor with LPL Financial, holding a Series 63 designation and 24 years of industry experience. His prior work includes long-term roles at First Tennessee and First Tennessee Brokerage. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Adam Seiler is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 65 and Series 63 licenses and six years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2020. Outside the financial industry, Seiler is the owner of 1-On-1 Personal Training, Inc., a business he has operated since 2009. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies supported by third-party managers and custodians, overseeing approximately $15.5 billion in assets across nearly 3,700 advisors and 1,800 offices.

Marcus Alley is a financial advisor with Cetera, holding a Series 66 designation and 18 years of industry experience. He has worked at Cetera Advisors LLC since 2013 and currently serves as Secretary of the Cleveland Masonic Lodge #134. Additionally, he works as an Emergency and Fire Management Consultant for the University of Tennessee County Technical Advisory Services. Cetera Investment Advisers LLC is an SEC-registered adviser that provides services through a nationwide network of independent advisors. The firm offers portfolio management, financial planning, retirement services, and access to third-party money managers, serving individual, corporate, charitable, and institutional clients.

William Evans is a financial advisor with Equitable Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2003, having previously worked at AXA Advisors LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both proprietary and third-party programs.

Janet Schroer is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Primerica Financial Services and PFS Investments Inc. since 1995. In addition to her advisory role, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed account options primarily for individual and high-net-worth clients. The firm employs third-party asset managers and emphasizes a tiered wrap fee structure with ongoing oversight of its investment models.

Caralyn Balthrop is a financial advisor at LPL Financial with 28 years of industry experience. She holds the Series 66, Series 65, and Series 63 designations and has previously worked at First Tennessee Brokerage, Inc. since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

James Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 10 years of industry experience. He previously worked for FTB Advisors for 10 years prior to joining LPL Financial in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.