Benjamin Payne is a financial advisor with Edward Jones in Cleveland, TN, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he assists with Serenity Trades, an online sales business, providing consulting and support unrelated to securities. Edward Jones is a wealth management firm serving over four million individual and institutional clients with a broad range of advisory services and approximately $1.01 trillion in assets under management. The firm operates a large network of financial advisors and offers various investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, under a fiduciary standard.

Christopher Bradberry is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has previously worked at firms including First Tennessee Brokerage, Morgan Keegan & Company, and Amsouth Investment Management Company. Bradberry is based in Chattanooga, TN. 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, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary investment approaches.

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.

Ian Early is a CFP® professional with 13 years of experience at Edward Jones, where he has worked since 2013. He holds the Series 66 license and is based in Hixson, Tennessee. Outside of his advisory role, he is a minority member or investor in several LLCs unrelated to his primary advisory work. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and advisory services through a nationwide network of financial advisors and branch offices.

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 with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1996. In addition to advisory work, she participates in the sale of loan products and home-related services through affiliated firms. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm utilizes model-based strategies developed by unaffiliated asset managers and supports trade execution through custodial partners, managing approximately $15.5 billion in assets with a network of nearly 3,700 advisors.

Gregory Highwood is a financial advisor with Primerica Advisors in Chattanooga, TN, holding Series 63 and Series 65 designations and 27 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1999. Outside of his advisory role, he has involvement with Gold's Gym and Creswell Enterprises LLC. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers and offers limited discretionary separately managed account options.

Thomas Tanner is a financial advisor with OSAIC in Ooltewah, Tennessee, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include positions at Transamerica Financial Advisors, Inc. and World Financial Group, Inc. Outside of his advisory work, he has experience in entrepreneurial ventures with T&B Designs Jewelry. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services supported by advanced portfolio construction tools and access to third-party money managers.

Richard Cox Sr. is a CFP® and ChFC® credentialed advisor with 40 years of industry experience. He is currently with OSAIC and has previously worked at American Portfolios Advisors, Inc., American Portfolios Financial Services, Inc., and Advisor Planning Corporation. Outside of his advisory role, he owns a hobby car club called Southeast Chevelles and serves as a study group leader mentoring other Christian advisors. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services using asset-allocation tools and third-party platforms to construct portfolios tailored to client needs.

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.

Robert Looney is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2012, accumulating 13 years of industry experience. He serves as a deacon at Oakwood Baptist Church in Chickamauga, GA, and holds board positions with the Chickamauga Public Library and the Cherokee Regional Library Board. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors.

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® and Series 66 licensed financial advisor with 14 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2018 and previously at Wells Fargo Advisors from 2011 to 2018. Outside of his advisory role, Burroughs serves as a finance and investment committee member and deacon at Central Church of Christ, where he assists with budgeting and coordinates educational resources. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using risk profiling and modeling tools and offers specialized programs such as municipal advisory services and SIMPLE IRA employer consulting.

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 63 and Series 65 credentials and five years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2020. Outside of finance, he operates 1-On-1 Personal Training, Inc., a personal training business. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies from unaffiliated asset managers and offers a range of portfolio models, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

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.