Clifford Gould is a financial advisor with GWN Securities Inc. in Soddy Daisy, TN, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with GWN Securities since 2016 and has prior experience with Consolidated Retirement Services dating back to 1996. In addition to his advisory work, he is involved in managing fixed annuity and life insurance agencies and participates in business referrals related to cost segregation studies. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm offers a range of managed-account programs and model portfolios, including legacy market-timing and momentum-based strategies uncommon for firms of its size.

Judith Harkleroad is a financial advisor at Truist Advisory Services with 30 years of industry experience. She has held positions at Truist Advisory Services since 2016 and has been with Truist Investment Services, Inc. since 1998. Her professional credentials include Series 63 and Series 66 licenses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platform arrangements and AI-enabled research tools to assist in manager selection and oversight.

Jeffrey Flowers is a financial advisor with Empower Advisory Group, holding a Series 66 designation and 22 years of industry experience. His work history includes roles at Gwfs Equities, Inc., FTB Advisors, Inc., and LPL Financial. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm uses an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both single “point-in-time” financial plans and optional managed account solutions.

Brendan Hawks is a CFP® professional with seven years of industry experience, currently with Truist Advisory Services. He has been with Truist and its affiliated entities since 2019. In addition to his advisory role, he serves as an adjunct professor at the University of Tennessee at Chattanooga, teaching entry-level personal finance courses. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary management supported by third-party platforms and uses AI-enabled tools to assist in manager selection and investment oversight.

Herbert Frazier Jr. is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Cetera Investment Services, Regions Bank, and Prudential Insurance Company of America. He is also appointed as an agent to sell non-securities insurance products for AGIA. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of investment advisors.

Joseph Parker is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Transamerica Investors Securities Corporation, The Prudential Insurance Company of America, New York Life Insurance Company, and FedEx Ground. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs and investment education that emphasize asset allocation, contribution rates, and retirement age guidance. The firm relies on Morningstar Investment Management for portfolio construction and oversight, operating at scale with over 212,000 clients and 301 advisors.

Vernon Thornton is a CFP® with eight years of industry experience, currently serving as a financial advisor at Steward Partners Investment Advisory, LLC. His prior experience includes roles at Freedom Street Partners and Raymond James Financial Services. He is a board member of the nonprofit Ignite Living. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise RIA managing approximately $36.7 billion in assets. The firm serves individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, and charitable organizations, offering a range of investment advisory, financial planning, and managed account services.

Kayla Fortanel is a Series 66-registered financial advisor with Principal Financial Services, based in Rossville, GA, with five years of industry experience. She has previously worked at Ameriprise and is involved in nonprofit board service, including roles with the Chattanooga Medical Group Management Association as Treasurer and The Hope House as a board member. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning and access to third-party money manager programs, with investment implementation typically conducted on a discretionary basis by these managers.

Celeste Friend is a CFP® professional with 24 years of experience, currently advising at Voya Financial Advisors, Inc. She previously worked at Agia and Valic Financial Advisors. In addition to her advisory role, she is also an independent insurance agent focused on fixed insurance products. Voya Financial Advisors, Inc. serves a diverse client base including individuals, institutions, and retirement plan sponsors, offering financial planning, portfolio management, and consulting services. The firm provides advice primarily through non-discretionary arrangements and operates as both an SEC-registered investment adviser and broker-dealer.

Darius Gallaher is a financial advisor with Bankers Life Advisory Services, Inc., holding a Series 66 designation and bringing six years of industry experience. He has worked with Bankers Life Securities since 2020 and has been associated with Bankers Life & Casualty since 2017, where he also serves as a unit field trainer. Gallaher is involved in insurance sales and training activities outside of his advisory role. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary consulting, and retirement plan services. The firm employs fundamental, technical, and cyclical analysis to develop tailored asset allocations and portfolio management strategies aligned with clients' goals and risk tolerances.

Annie Adams is a financial advisor with Transamerica Retirement Advisors, LLC in Cleveland, TN, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. She previously worked at Horace Mann Companies and Horace Mann Investors, Inc. outside of her advisory role, she was the owner of Two Ravens LLC, a short-term rental business. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. Its investment approach relies on Morningstar Investment Management’s proprietary software and model portfolios to guide asset allocation and retirement planning.

Lucille Townsend is a financial advisor at Transamerica Financial Advisors with industry experience spanning over 32 years, including a long tenure at JP Morgan Chase. She holds Series 65 and Series 63 licenses. Lucille is also involved in the sales of insurance and non-insurance products affiliated with her firm. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm provides both advisory and broker-dealer services through proprietary and third-party model portfolios, offering discretionary and non-discretionary program options.

Kyle Hodnett is a financial advisor with Bankers Life Advisory Services, Inc. He holds the ChFC® designation and Series 65 and 63 licenses, with six years of industry experience. He has worked at Bankers Life Securities, Inc. since 2018 and has been an insurance agent and unit sales manager at Bankers Life & Casualty, Inc. since 2016, where he manages a team of agents and is involved in training and recruiting. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to develop tailored portfolios aligned with clients' goals and risk tolerances.

Julie Wilson is a financial advisor at Benjamin F. Edwards & Company, Inc. with 31 years of industry experience. She holds Series 63, 65, and 66 licenses and has been with Benjamin F. Edwards since 2012. Benjamin F. Edwards & Company provides investment advice and related services to a diverse client base, including individual investors, retirement plans, trusts, estates, and corporate clients. The firm offers a range of model-based and customized investment strategies and combines advisory services with broker-dealer capabilities and in-house trading.

Connor Presnell is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Butler Lexus of South Atlanta and 27 Baseball. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm delivers services through an integrated model linked to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and regular rebalancing.

Joseph Pollak is a financial advisor at Benjamin F. Edwards & Company, Inc. in Chattanooga, TN, with 27 years of industry experience. He has been with Benjamin F. Edwards since 2011. He holds the Series 63 designation. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and charitable organizations, offering a range of advisory programs and investment management solutions that include firm-developed and third-party model strategies with ongoing oversight from an Investment Strategy Committee.

Sandra Dittus is a Certified Financial Planner™ (CFP®) and Personal Financial Specialist™ (PFS™) with 11 years of industry experience. She is currently with Principal Financial Services and has previously worked at Raymond James Financial Services and Pinnacle Financial Partners. Dittus serves on several local investment committees, including the Jewish Federation of Greater Chattanooga and the Mizpah Congregation, and is Secretary/Treasurer of the Hamilton County Schools Fund for Excellence. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money managers through various advisory and promoter arrangements.

Christopher Ford is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 39 years of industry experience. He has worked at SunTrust Advisory Services since 2016 and at SUNTRUST INVESTMENT SERVICES, Inc. since 1996. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, participant advice, and a manager-selection program that combines discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Christopher Sislo is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Independent Advisor Alliance, LLC. He previously worked for HHM Wealth Advisors, LLC for 10 years. In addition to his advisory role, he works seasonally as a tax preparer. Independent Advisor Alliance serves a diverse client base, including individuals, small businesses, and charitable organizations, providing asset management, financial planning, and retirement plan consulting through a combination of discretionary and non-discretionary portfolio management and a variety of analytical strategies.

Lemana Fermic is a Series 66 licensed financial advisor with Bankers Life Advisory Services, Inc., bringing two years of industry experience. Prior to joining Bankers Life Advisory Services, she held roles at Bankers Life Securities, Bankers Life & Casualty, and Primerica, with earlier work experience in the hospitality sector. She is also appointed as an insurance agent authorized to write Medicare Supplement, annuity, life, health, and long-term care insurance products. Bankers Life Advisory Services, Inc. serves primarily mass-affluent and high-net-worth individuals, offering discretionary portfolio management, investment consulting, and retirement plan consulting. The firm integrates fundamental, technical, and cyclical analyses to create tailored asset allocations and manages portfolios across a broad range of securities with periodic reviews and rebalancing.