Thomas Lowe is a CFP®-designated financial advisor with Morgan Stanley, based in Bowling Green, KY, and has 43 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A and Morgan Stanley Smith Barney LLC since 2020, and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory work, he is the sole owner of North American Trading Co LLC, an internet sales business for boat motors and durable goods, and serves as a notary public in Bowling Green. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning using structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that combine advisory planning with a broad array of investment and brokerage capabilities.

Timothy Risher is a financial advisor at LPL Financial with 37 years of industry experience. He holds a Series 63 designation and previously worked at Investacorp Advisory Services, Inc. and Investacorp, Inc. for over two decades. Outside of his advisory role, he co-owns a farm in Scottsville, KY, where he raises hay. 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.

Paul Kilgus is a financial advisor with Morgan Stanley in Bowling Green, Kentucky, holding Series 63 and Series 65 licenses and having 29 years of industry experience. His career includes roles at Merrill and Bank of America prior to joining Morgan Stanley in 2019. Outside of advising, he serves as a board member of the Major League Baseball Retired Players Association and is an assistant baseball coach at Bowling Green High School. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and proprietary research to support tailored financial plans but generally acts in an advisory capacity without providing individual security recommendations.

Matthew Garrett is a CFP® professional with 17 years of industry experience, currently serving as an advisor at Robert Baird & Co. since 2019. He has also worked at J.J.B. Hilliard, W.L. Lyons, LLC since 2006. Outside of his advisory role, Garrett serves as a deacon and finance committee chairman at Edmonton Baptist Church, where he participates in budgeting and financial oversight. Robert Baird & Co. is a large institutional firm offering a range of wealth management services to individuals, corporate clients, pensions, and charitable organizations. The firm employs a variety of portfolio management strategies and emphasizes ongoing manager selection and research, including the use of artificial intelligence in client advice.

Amy Walker is a financial advisor at Morgan Stanley with 31 years of industry experience. She has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as a notary public and acts as power of attorney for her mother. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning services supported by firm-approved tools and methodologies.

John Yates is a Series 66-credentialed financial advisor at Raymond James Financial with 20 years of industry experience. He has held roles at Raymond James Financial Services Advisors, Farmers National Bank, WealthSouth, and Truist Investment Services, among others. Outside of his advisory work, he is a partner in a single-family home rental property. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and provides specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Gena Gooding is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and five years of industry experience. She has been with Baird since 2019 and previously worked at the College Heights Foundation for six years. Outside of her advisory role, Gooding provides part-time bookkeeping services and is an owner/member of Cave Country Yurts & Lodging LLC. She is part of the DDK Group within Baird’s Private Wealth Management department, which serves a broad client base including high net worth individuals, corporate clients, pensions, and charitable organizations. The firm employs a combination of discretionary and non-discretionary portfolio management strategies, supported by internal research and various managed account programs.

Jacklyn Cassady is a CFP® with eight years of industry experience, currently advising at Robert Baird & Co. since 2022. Her prior roles include positions at Origin Financial and Levine Group, LLC. She also serves as a community instructor at Texas Tech University, teaching Financial Counseling and Consumer Credit. Robert Baird & Co.’s DDK Group provides wealth management services to individuals, corporate clients, pensions, and charitable organizations, offering financial planning, discretionary and non-discretionary portfolio management, and tax-managed strategies supported by internal research and ongoing manager oversight.

David Greer is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at PNC Investments and Merrill, along with work as an independent consultant. Outside of finance, he is the founder and sole owner of Oakland Abyssinia Productions Investment, a non-investment related business. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that delivers written recommendation reports and ongoing retirement planning advice focused on dependable income and tax-aware withdrawal strategies.

Kevin Counts is a financial advisor with LPL Financial in Bowling Green, KY, holding CFP® and PFS™ designations and over 27 years of industry experience. His prior roles include positions at Harbor Financial Services, Level Four Advisory Services, and 1st Global Advisors. Outside of his advisory work, he is involved with a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Jennifer Sanders is a financial advisor at Stifel with four years of industry experience. She holds a Series 66 designation and has worked previously at Cambridge Investment Research, Prudential Insurance Company of America, and Avantax Advisory Services. Outside of finance, she manages and bartends one night a week at Last Call Bar & Grill. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services with an investment approach based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Chad Adams is a financial advisor with Edward Jones in Franklin, KY, holding the CFP®, ChFC®, and Series 66 designations. He has 10 years of industry experience, all with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of financial advisors and branch offices across the United States.

Brandon Beckham is a CFP® certificant with seven years of experience in the financial services industry. He has been with MML Investors Services, LLC and Mass Mutual Life Insurance Company since 2018. Prior to his current role, he was self-employed and worked in service-related businesses including Servpro Of Warren County and The Club at Olde Stone. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser affiliated with MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved analytical tools and offering event-driven planning programs.

Kendall Roper is a Series 66-licensed financial advisor with Edward Jones in Bowling Green, KY. He has six years of industry experience, including roles at Edward Jones since 2019, as well as prior work in accounting and tax services. Before entering financial advising, he spent seven years at Fruit of the Loom, Inc. 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, offering a range of advisory services including discretionary and non-discretionary strategies, tax-efficient overlays, and access to affiliated mutual funds through a nationwide network of financial advisors.

Seth Alexander is a financial advisor with Edward Jones in Bowling Green, KY, holding a Series 66 designation and five years of industry experience. He previously worked at JP Morgan Chase Bank, Thrivent Financial, and spent nine years at Fruit of the Loom, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kelsey Cooksey is a financial advisor at Robert Baird & Co. with seven years at R W Baird and three years at Hilliard Lyons, totaling ten years of industry experience. She holds Series 65 and Series 63 licenses. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients with services including financial planning, portfolio management, and custody. Baird employs a mix of SMA strategies, tax-management, and internal research tools, managing approximately $394 billion in regulatory assets as of December 31, 2025.

Shawn Perry is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Robert Baird & Co. since 2019. He also maintains a role at JJB Hilliard WL Lyons LLC, where he has worked since 2013. Perry is the author of *Finding Your Financial Advisor*, contributing over 10 hours per month to this work. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, and custody and brokerage, utilizing proprietary research and a combination of manager-traded and model-traded strategies.

Steven Marr is a financial advisor at Edward Jones in Franklin, KY, with 25 years of industry experience. He has been with Edward Jones since 2000. Outside of his advisory role, Marr is involved in farming through ownership of Marrock Farm LLC. 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 and investment solutions, supported by a large network of advisors and branch offices nationwide.

Michael Newton is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He previously worked at Investment Planners, Inc. for 24 years before joining Cambridge in 2024. In addition to his advisory role, he operates as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial wellness services. The firm offers a variety of implementation options through proprietary and third-party strategies, with advisory services tailored to client objectives across multiple platform arrangements.

Benjamin Tomblinson IV is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He has worked at Morgan Stanley since 2019 and previously spent seven years at Wells Fargo Advisors and three years at Wells Fargo Clearing. Outside of his advisory role, he is the owner of WSRT Ventures, a sole proprietorship involved in investment-related real estate activities. Morgan Stanley Wealth Management serves individuals and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and models client outcomes using methodologies such as Monte Carlo simulations.