Mengying Lu Espel is a CFP® and Series 66-designated financial advisor with five years of industry experience. She is currently affiliated with LPL Financial and has prior experience at First Horizon Advisors and First Horizon Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches along with model portfolios and research from various sources.

Frances Aboushousha is a Financial Advisor with expertise in wealth management and financial planning. She has served ultra-high-net-worth families as part of a Merrill Private Wealth team based in Pittsburgh, Pennsylvania. Frances focuses on college education planning, legacy planning, liquidity management, managing new wealth, personal retirement planning, special needs planning strategies, and women and wealth. She holds the CERTIFIED FINANCIAL PLANNER® certification and the Certified Exit Planning Advisor designation. Frances earned a Bachelor's Degree from the University of Georgia. In addition to her professional responsibilities, Frances is active in community organizations including the Junior League of Nashville, Economic Club of Nashville, Advancing Women in Nashville, and the Nashville chapter of the University of Georgia Alumni Association.

Jennifer Freeman is a financial advisor with OSAIC in Nashville, TN, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She worked for Signator Investors, Inc. and John Hancock Mutual Life Insurance Company for 20 years before joining OSAIC in 2018. Freeman is also the owner of Freeman Wealth Management LLC and affiliated with Innovative Financial Group LLC. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance analysis, and access to third-party money managers across multiple platforms.

Jason Mckernan is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 66 licenses and bringing 19 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2019 and was previously with FSC Securities Corporation from 2011 to 2019. Outside of his advisory role, he is a partner in Sierra Tango, a business based in Nashville, TN. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a variety of discretionary and non-discretionary strategies across multiple platform arrangements.

Benjamin Tavenner is a CFP® with three years of industry experience, currently an advisor at UBS Financial Services in Nashville, TN. He has worked at UBS Financial Services since 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-based, tailored financial strategies through a large network of financial advisors.

Donald Carlton is a financial advisor at Merrill with 31 years at the firm and 14 years of industry experience. He holds Series 63 and Series 66 designations. Outside of his advisory role, he serves as an executor for an unrelated entity based in Florida. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individual, high-net-worth, and institutional clients, utilizing internal and third-party managers along with strategic asset allocation and tax-aware options.

Bryant Moritz is a financial advisor with Fidelity Investments, holding Series 66, Series 65, and Series 63 licenses and four years of industry experience. His prior roles include positions at Charles Schwab & Co., Inc., and TD Ameritrade, Inc. He has also worked in various capacities at Creighton University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering services such as discretionary portfolio management, fund advisory, and delivery of model portfolios to intermediary platforms.

Becky Pemerton is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. She is based in Franklin, TN. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Thomas Sinor Jr. is a financial advisor with LPL Financial in Nashville, TN, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior work includes roles at Sinor Marcum Group, his own practice Thomas Sinor, and Waddell & Reed, Inc. He has also managed an unrelated business entity, Sinor Marcum Group LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations with a wide range of financial planning and advisory services offered through a national network of investment adviser representatives.

Zachary Bologeorges is a financial advisor with Charles Schwab, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2013 and 2015, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory recommendations and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Maggie Albarati is a financial advisor with Merrill based in Nashville, TN, holding Series 65 and Series 63 licenses and bringing 11 years of industry experience. Her prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Belmont University. She is also a general partner and managing member of Albarati Holdings, LLC, a for-profit business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christy Cole is a financial advisor with Merrill in Nashville, Tennessee, holding a Series 66 designation and 25 years of industry experience. She has worked at Merrill Lynch since 2000 and at Bank of America since 2009. Outside of her advisory role, she is a half-owner of a family farm focused on forestry in Henry County, Tennessee, and serves on the boards of the YMCA Middle Tennessee Camp Widiji and the Leukemia and Lymphoma Society of Middle Tennessee. Merrill, together 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kayla Weibel is a financial advisor at UBS Financial Services with nine years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Merrill, Bank of America, and other financial institutions. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research to tailor investment strategies to clients’ goals and risk tolerances.

Bobby Christian is a financial advisor with Mass Mutual Investors Services in Franklin, TN, holding Series 63 and Series 65 credentials. He has 32 years of industry experience and has previously worked at Principal Securities and several Prudential-affiliated firms. 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 offers financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, annual planning engagements.

Evan Malone is a financial advisor at RBC Capital Markets based in Nashville, TN, holding a Series 66 designation with 16 years of industry experience. His career includes roles at City National Bank, Renaissance Financial, Securian Financial Services Inc, and Minnesota Life Insurance Co. Outside of finance, he works part-time as a boxing instructor at a fitness facility. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional clients. The firm offers a variety of advisory programs featuring tailored investment strategies, discretionary and non-discretionary portfolio management, and integrated financial services.

Honnie Arnold is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, Arnold worked at Wells Fargo Advisors LLC from 2010 to 2016. Outside of financial advising, Arnold is involved as a member of Young Living Essential Oils, a healthcare products business. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Steven Ragan is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Kristopher Wackerlin is a financial advisor with Mass Mutual Investors Services in Franklin, TN, holding the Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at OneAmerica Securities, American United Life, and Metlife Securities. In addition to his advisory duties, he works as an insurance agent specializing in individual life, property/casualty, health, and group health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, utilizing firm-approved tools to develop collaborative, goal-oriented strategies.

Gunter Lugg is a CFP® professional with 13 years of experience in financial advising. He has worked at Wells Fargo Advisors, LLC from 2013 to 2016 and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Gregory Smith is a Series 66-licensed financial advisor with 19 years of industry experience, currently with Cambridge Investment Research Advisors since 2022. He previously worked at LPL Financial for 10 years. Outside of his advisory role, he owns and operates an independent insurance agency and is involved with Storied Wealth as an owner. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, trusts, and charitable organizations by providing financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals. The firm offers a range of implementation strategies, including proprietary and third-party models, across multiple custody platforms.