Steven Laughlin is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2016. Merrill, alongside 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, pension plans, corporations, and charitable organizations.

Kevin Barajas is a financial advisor with MassMutual Investors Services and holds a Series 66 designation. He has three years of industry experience, including prior roles at Principal Securities, Inc. and Centurio Wealth/One America Securities. Outside of his advisory work, he has been involved with soccer organizations such as the Massapequa Soccer Club and North Atlanta Soccer Association. MassMutual 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 seminars, with planning engagements structured as annual, collaborative relationships focused on goal analysis and written recommendations.

Jonathan Winkler is a financial advisor at LPL Financial with nine years of industry experience. He previously worked at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc. for eight and ten years, respectively. His credentials include a Series 66 designation. 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.

John Williams is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, Truist, and U.S. Bank. Merrill, along 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, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing tax-efficient global portfolios designed for long-term capital appreciation for individuals and families. Utilizing alternative investments, options, and private credit, he collaborates closely with clients through open and consistent communication to establish personalized financial strategies. His areas of expertise include divorce transition planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, tax minimization, and retirement income. Benjamin holds a Bachelor's Degree from the University of Wisconsin and has the professional designation of Personal Investment Advisor (PIA). Outside of his professional work, Benjamin volunteers in his community and pursues personal interests that include cooking, football, golfing, hunting, music, reading, and tennis. He lives in College Grove, Tennessee, with his wife, Dionne, and their children, Oliver and Kendall.

Elizabeth Lo Grande is a financial advisor at OSAIC with 33 years of industry experience. She holds a Series 66 designation and has worked at firms including Lincoln Financial Advisors and Lincoln Financial Securities Corporation. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by various tools, with options for discretionary and advisor-managed strategies.

Hubert Wootten III is a CFP®-certified financial advisor with 44 years of industry experience, currently with OSAIC since 2018. He previously spent 16 years at Signator Investors, Inc. Outside of his advisory work, he is President Elect of The Exchange Club of Donelson-Hermitage, a national civic organization. He is also involved in horse ownership and boarding through a sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services with a model-based investment process and supports both discretionary and advisor-managed strategies across multiple platforms.

Jeffrey Bryan is a financial advisor at Merrill with 35 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, N.A. and BlackRock Investments, Inc. prior to his current role. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, pension and profit-sharing plans, charities, and institutional clients. The firm offers managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services, leveraging its integration with Bank of America affiliates and a variety of investment strategies overseen by its chief investment office.

Derek Lyle is a financial advisor with LPL Financial in Brentwood, TN, holding a Series 66 designation and one year of industry experience. His background includes roles at First Horizon Bank and Louisiana Pacific Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm offers diverse investment strategies and employs technology tools to support advisors while managing over $819 billion in discretionary assets across a large network of representatives.

Jennifer Lutgens is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. She has been with Cetera and Cetera Investment Services LLC since 2022 and also has a ten-year tenure at Regions Bank. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services and operates a multi-manager platform that allows advisors to implement model portfolios, select third-party managers, or create bespoke strategies.

Alec Mono is a CFP®-certified financial advisor at Robert Baird & Co. in Nashville, TN, with two years of industry experience. Prior to joining Baird in 2025, he worked at UBS Financial Services and The Investment Counsel Company. Outside of his advisory role, he coaches youth hockey at the Las Vegas Ice Center. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pension plans, and charitable organizations using a variety of portfolio management strategies and financial planning services.

Richard Fowler is a Series 66-licensed financial advisor with Raymond James & Associates in Nashville, TN, bringing 24 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates, Inc. is a large firm overseeing approximately $501 billion in assets, serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm offers a range of financial planning and consulting services, with a non-discretionary approach that emphasizes tailored plans supported by proprietary research and multiple portfolio management styles.

Chloe Cline is a financial advisor at Morgan Stanley in Nashville, TN, with four years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2021, including a role at Morgan Stanley Private Bank, N.A. prior to her current position. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Elisabeth Ervin is a financial advisor at Osaic with six years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining Osaic in 2024, she worked at Woodbury Financial Services Inc. from 2018 to 2024 and has been associated with Doug O'Rear & Associates since 2016. Outside of her advisory role, Ervin serves as chairperson of the Cheatham County Democratic Party. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolio programs. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, consolidation activity, and complex affiliate network.

Jeffrey Lancaster Jr. is a financial advisor with Mass Mutual Investors Services in Brentwood, TN. He holds a Series 66 designation and has three years of industry experience. Prior to joining Mass Mutual, he worked at Tennessee Oncology, Marcum, LLP, and Watkins Uiberall, PLLC. In addition to his advisory role, he conducts outside insurance sales focused on life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, and charitable organizations through collaborative, annual planning engagements using firm-approved analytical tools.

James Wilford III is a Series 63-registered financial advisor with UBS Financial Services, where he has worked since 2002. He has 31 years of industry experience and is based in Nashville, Tennessee. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a wide range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and diversified financial products.

Charles Goldman Jr. is a financial advisor at LPL Financial in Nashville, TN, with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at OSAIC, Fsc Securities Corp, and NEXT Financial Group. 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 portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Kelly Ruoff is a financial advisor with Robert Baird & Co. in Nashville, TN, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at Robert W. Baird since 2019, with prior roles at American Enterprise Investment Services Inc and Thrivent Financial. Robert Baird & Co. is an institution with approximately 2,600 advisors, offering private wealth management services to individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm employs a range of investment strategies, including discretionary and non-discretionary portfolio management, separately managed accounts, and tax-managed and direct-indexing capabilities, supported by ongoing manager selection and internal research.

Gerald Bonner Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 2001 and holds the designation of Personal Investment Advisor (PIA). Gerald earned a Bachelor's Degree from Johnson & Wales University. Gerald assists clients by helping them manage their wealth to meet their individual needs. He focuses on a comprehensive approach to wealth management that begins with listening to clients and ensuring that every potential solution is grounded in understanding their goals. His client focus areas include college education planning, executive compensation, services for defined benefit plans, legacy planning, personal retirement planning, and retirement income. Outside of his professional role, Gerald is involved with the Pencil Organization and Safe Haven. His personal interests include ice hockey, music, reading, and spending time with his family.

Peter Thomson is a financial advisor at Cetera with 20 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked with firms including Wells Fargo Clearing, Citigroup Global Markets, and Regions Bank, where he also serves as a wealth advisor. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with various program options and access to third-party money managers.