Walter Juarez is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing nine years of industry experience, including seven years at Merrill. He leads a team that has developed a process to assist families, business owners, and executives in making informed financial decisions by understanding objectives, creating clear strategies, and conducting regular progress reviews. Walter's areas of expertise include family wealth management strategies, legacy planning, managing new wealth, and tax minimization. He holds professional designations such as Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is a graduate of Westminster College and is bilingual in English and Spanish. Walter is involved with professional and community organizations, including Toastmasters International and volunteering with the American Cancer Society and the American Red Cross. He enjoys activities such as chess, cooking, hiking, horseback riding, ice skating, and spending time with his family.

Steven Laughlin is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has been affiliated with both Bank of America, N.A. and Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America's broader corporate platform, providing access to various products and services beyond traditional investment management.

Kevin Barajas is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience and has worked at several firms including Principal Securities, Inc. and OneAmerica Securities. Outside of his advisory role, he is involved in non-variable insurance sales focused on fixed life and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools to provide written recommendations within collaborative, annual planning engagements.

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. in various roles spanning from 2015 to 2025. Winkler holds the Series 66 designation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 32 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Securities Corporation and Lincoln Financial Advisors for 15 years. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisors and offers integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Hubert Wootten III is a CFP® professional with 44 years of experience in the financial services industry. He has been with OSAIC since 2018 and previously worked at Signator Investors, Inc. for 16 years. Outside of his advisory role, Wootten serves as President Elect of The Exchange Club of Donelson-Hermitage, a national civic organization, and owns a sole proprietorship that boards and cares for horses. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a broad network of financial advisers. The firm employs various advanced tools and multiple advisory platforms to manage portfolios encompassing a wide range of asset types.

Jeffrey Bryan is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he directs all portfolio and investment management for Tellis Bryan Wealth Management. He provides customized risk and investment management strategies for a range of clients including institutions, charities, foundations, endowments, high net worth individuals, families, and legacy trusts. With more than 35 years of experience managing money for institutional and private wealth clients, Jeff has held significant roles such as Director and Senior Portfolio Manager with BlackRock for 11 years. Prior to that, he was a Senior Vice President and Senior Portfolio Manager with The Private Bank at Bank of America, managing over $5 billion in private wealth for some of the bank’s largest and most complex relationships. His expertise includes constructing and managing comprehensive investment and credit portfolios, managing risks related to highly concentrated and appreciated assets, and overseeing complex trust and estate planning strategies. Jeff holds degrees in Finance and Economics from the University of Missouri and has lectured extensively nationwide to professional investors and client groups. Outside of his professional endeavors, he has personal interests in fishing, hiking, and music.

Derek Lyle is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. Before joining LPL Financial and First Horizon Bank in 2025, he worked at Louisiana Pacific Corporation for five years and Total Quality Logistics for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

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 financial advisor with Raymond James & Associates in Nashville, TN, holding a Series 66 designation and 23 years of industry experience. He has been with Raymond James & Associates since 2013. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and emphasizes public finance and municipal work alongside its retail advisory services.

Chloe Cline is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. Prior to her career in finance, she spent time in full-time education at the University of Georgia and had a role at The Seaside Style. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

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 with 10 years of industry experience. He has previously worked at OSAIC, Fsc Securities Corp, and NEXT Financial Group. His credentials include the Series 63 and Series 66 licenses. 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 advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, research, and various management strategies.

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 with Cetera, holding Series 63 and Series 66 credentials and 20 years of industry experience. His work history includes roles at Cetera and Regions Bank, where he also serves in wealth advisory and customer service capacities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a large network of over 10,000 advisors managing more than $256 billion in assets.

Jayce Melby is a Financial Consultant I at Fidelity Investments, where he utilizes his Certified Financial Planning Professional credentials to assist clients in aligning their financial decisions with their life goals. He aims to build meaningful relationships and develop personalized plans that provide clarity, confidence, and long-term direction. He has held various roles within Fidelity Investments, including Planning Consultant since 2024, Relationship Manager from 2023 to 2024, and Financial Representative from 2022 to 2023. Prior to joining Fidelity, Jayce gained experience as a Credit Analyst at First National Bank of Omaha from 2021 to 2022 and as an Internal Wholesaler at Jackson National Life Insurance Co. from 2019 to 2020. Outside of his professional work, Jayce is interested in fitness, football, hiking, outdoor adventures, skiing, and soccer.

August Perazzini is a financial advisor at OSAIC with 28 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at Securities America Advisors, Inc., Securities America, Inc., and Securities Service Network. Perazzini teaches the retirement planning module for Kaplan's CFP program at Belmont University in Nashville, TN. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms, offering integrated brokerage, investment advisory services, and access to third-party money managers and wrap programs.