Melody Townsend is a CFP® professional with 15 years of experience, currently serving as an advisor at Townsend Financial Planning since 2006. She is the managing member of Mountain Sage Holdings, LLC, a commercial property management business in Mt. Sterling, Kentucky. Townsend Financial Planning is an SEC-registered, fee-only fiduciary firm that provides financial planning and investment management services to individuals, families, and small businesses. The firm employs a long-term, buy-and-hold investment strategy using diversified, low-cost mutual funds and ETFs, and offers a range of engagement types including trustee services and retirement-plan consulting.

Jeremiah Creech is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Townsend Financial Planning in Mt. Sterling, KY, where he has worked since 2022. Prior to this, he gained experience at Citizens Guaranty Bank and spent over a decade in full-time education before entering the financial industry. Townsend Financial Planning serves individuals, families, and small-business owners with fee-only financial planning and investment management, operating as a fiduciary with a long-term, diversified investment approach. The firm manages approximately $148 million in discretionary assets for about 160 clients through a team of three advisors and offers additional services including retirement-plan consulting and trustee services.

Harrison Bailey is a CFP® professional with six years of industry experience, currently serving as an advisor at Townsend Financial Planning in Mt. Sterling, KY. He has been with Townsend Financial Planning since 2016, including prior work associated with Morehead State University. Townsend Financial Planning provides fee-only financial planning and investment management services to individuals, families, and small-business owners. The firm operates as a fiduciary and employs a long-term, diversified investment strategy using low-cost index funds and ETFs, while also offering employer retirement-plan consulting and trustee services.

Jeffrey Sheppard is a financial advisor at FWG Investments, LLC with eight years of industry experience. He holds a Series 65 designation and has been with FWG Investments since 2016. Outside of advisory work, he is involved in retail ice cream shops through Daddy Yo's Frozen Desserts and is a member/owner of Jeff Sheppard Apparel LLC, a commercial real estate rental business. FWG Investments provides advisory services to individuals, trusts, small businesses, and retirement plans, offering financial planning and discretionary asset management. The firm uses a goals-based, household-level approach and supports clients with educational seminars and newsletters.

Ashton Lanham is a financial advisor at FWG Investments, LLC in Lexington, KY, holding a Series 66 designation with four years of industry experience. His prior roles include positions at Family Wealth Group and Transamerica Financial Advisors. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients, utilizing model-driven strategies overseen by professionals and executed through sub-advisers. The firm offers a range of services including investment planning, retirement, insurance, tax, education, and real estate planning, and supports clients with account establishment via the Fidelity Institutional Wealth Program.

Donald Bentley is a financial advisor at FWG Investments, LLC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at FWG Investments since 2016. Prior to that, he was affiliated with Family Wealth Group, LLC and Global Financial Private Capital, LLC. Outside of advisory work, Bentley is a co-owner of R&D Lots, LLC, which involves buying and selling residential lots. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients. The firm employs model-driven, discretionary strategies and offers services covering investment planning, retirement, insurance, tax, education, and real estate planning.

Coleman Whitmill is a financial advisor at FWG Investments, LLC with a Series 65 credential and one year of industry experience. Prior to joining FWG Investments, he worked at Witt Financial Group and has been involved with the University of Kentucky in various roles. Outside of finance, he has experience working at Bear Trace at Cumberland Mountain Golf Course and Stone Memorial High School. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients. The firm uses model-driven investment strategies and offers a range of services including retirement, tax, and real estate planning, supported by ongoing portfolio monitoring and client education initiatives.

Jordan Short is a CFP® with eight years of industry experience, currently serving as an advisor at FWG Investments, LLC and Family Wealth Group, LLC since 2021. Prior to that, he worked at Investments & Financial Planning, LLC from 2017 to 2021 and was employed at Centre College from 2013 to 2017. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients, utilizing model-driven strategies overseen by professionals and executed by sub-advisers. The firm offers a range of services including investment planning, retirement, insurance, tax, education, and real estate planning, and supports clients through ongoing portfolio monitoring and educational seminars.

Edward Lockett is a financial advisor at FWG Investments, LLC with eight years of industry experience. He holds the Series 66 designation and has worked previously at firms including Thrivent Financial and Edward Jones. In addition to his advisory role, he serves as an elected State Representative for Kentucky’s 39th District. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients. The firm employs model-driven, discretionary investment strategies and offers services covering investment planning, retirement, insurance, tax, education, and real estate planning.

Sydney Millay is a financial advisor at FWG Investments, LLC in Lexington, KY, holding a Series 65 designation with three years of industry experience. Prior to joining FWG Investments, Sydney worked at Orange Theory Fitness and Northwestern Mutual. FWG Investments provides financial planning and discretionary asset management primarily for individual and high-net-worth clients, utilizing model-driven strategies and sub-advisory arrangements to manage portfolios through growth and dividend-income approaches. The firm offers a range of services including investment planning, retirement, insurance, tax, education, and real estate planning.

Ricky Fisher is a financial advisor with WesBanco Securities, Inc. in Lexington, KY, holding Series 63 and Series 66 licenses and having 17 years of industry experience. He has worked at WesBanco Trust Investments since 2025 and WesBanco Securities since 2024, following eight years at Nancy Barron & Associates, Inc. WesBanco Securities, Inc. provides investment advisory services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm offers customized financial planning and portfolio management through non-discretionary wrap accounts and access to externally managed portfolios, emphasizing tailored investment strategies based on client objectives and risk tolerance.

Kyle Kinzig is a financial advisor with FIFTH THIRD SECURITIES, Inc. in Lexington, KY, holding Series 63 and Series 65 designations and 14 years of industry experience. He has been with Fifth Third Securities since 2011 and FIFTH THIRD BANK since 2010. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate and business clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account programs combining third-party portfolio managers, strategist portfolios, and advisor-managed sleeves, and is notable for its municipal-advisor registration and affiliation with Fifth Third Bank.

Rolland Blair III is a financial advisor with Bankers Life Advisory Services, Inc. in Lexington, KY, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked in various roles within Bankers Life and its affiliates since 2008. Outside of advisory work, he owns Blair Farm, where he is involved in logging, tree planting, and developing new fields. Bankers Life Advisory Services, Inc. primarily serves mass-affluent and high-net-worth individuals through discretionary portfolio management and investment consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management based on client goals and risk tolerances.

Christopher Cox is a financial advisor with Bankers Life Advisory Services, Inc. He holds a Series 65 designation and has three years of industry experience. Prior to his current role, he held positions at Bankers Life Securities, Inc. and Bankers Life & Casualty, Inc. Outside of advisory services, Cox works as an insurance sales representative, providing a range of insurance solutions including life, long-term care, and Medicare-related products. Bankers Life Advisory Services, Inc. offers discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals. The firm focuses on customized asset allocation, tax efficiency, and employs a combination of fundamental, technical, and cyclical analysis in managing client portfolios.

Patrick Brennan is a financial advisor with Edward Jones in Lexington, KY, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2021, he worked for Lexmark International Inc for 27 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Miranda Wyles is a financial advisor with Edward Jones in Paris, KY, holding Series 63 and Series 66 registrations and possessing 19 years of industry experience. She has been with Edward Jones since 2006. Outside of her advisory role, she is involved in managing a rental property business. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of over 23,000 advisors. The firm offers a range of advisory strategies and affiliated investment products, operating under a fiduciary standard.

Andrew Turner is a financial advisor with Raymond James Financial, holding a Series 66 credential and five years of industry experience. He has worked with Raymond James Financial Services Advisors since 2021 and also manages office operations at Kinnett Borough Financial Group and Oakcrest Advisors in Lexington, KY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and nonprofits. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.

Devin Tweed is a financial advisor at LPL Financial with 18 years of industry experience and holds the Series 66 designation. He has been with LPL Financial since 2011. Outside of his advisory role, he is the owner of Low Tide LLC, an investment-related real estate rental business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, and retirement consulting, offering both discretionary and non-discretionary management supported by LPL Research and third-party resources.

Farley Stephenson serves as Vice President and Financial Consultant at Fidelity Investments, a role held since 2022. He has been with Fidelity Investments since 2011, progressing through various positions including Financial Consultant, Senior Portfolio Specialist, and Portfolio Specialist. His career reflects extensive experience in financial and investment solutions as well as retirement planning. Stephenson emphasizes a collaborative approach to financial strategies, aiming to simplify complex topics into actionable steps to empower his clients. His work is grounded in building trust and designing personalized plans that adapt to the evolving needs of individuals and families. Outside of his professional responsibilities, Farley Stephenson engages in activities such as camping, fishing, hiking, running, and volunteering.

Walter Taylor is a financial advisor with Charles Schwab in Lexington, KY, holding Series 63 and Series 65 licenses and 34 years of industry experience. He previously worked at PNC Investments for five years before joining Charles Schwab in 2020. He serves as a board member of the Baptist Health Foundation in Lexington. 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, offering both non-discretionary and discretionary investment options along with a broad range of integrated brokerage and custody services.

Stephen Robertson is a financial advisor at Edward Jones in Lexington, KY, holding a Series 66 designation with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions backed by a large national network of advisors and branch offices.

Bryce Cooper is a financial advisor with LPL Financial in Lexington, KY, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. His prior roles include positions at Lincoln Financial Securities Corporation, Cetera Investment Services, CUSO Financial Services, and the University of Kentucky Federal Credit Union. He is involved with UKCU Investment Services, a business related to his LPL advisory activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Ryan Busseni is a financial advisor at Merrill with Series 63 and Series 66 designations and less than one year of industry experience. His prior work includes roles at Fifth Third Bank, Fidelity Investments, Keystone Financial Group, and Fayette County Public Schools. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bradley Borough is a financial advisor with Raymond James Financial, holding a Series 66 designation and 17 years of industry experience. He previously worked at UBS Financial Services before joining Raymond James in 2020. Borough is also the owner of Kinnett Borough Financial Group, where he serves as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using advanced analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Justin Hughes is a financial advisor with Charles Schwab & Co., Inc. in Lexington, KY, holding a Series 66 designation and 14 years of industry experience. He previously worked at TIAA-CREF and Tiaa from 2016 to 2020 before joining Charles Schwab in 2020. Charles Schwab & Co., Inc. serves a large client base primarily comprising 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 and discretionary investment solutions, supported by centralized custody and operational infrastructure.

Blake Stahl is a financial advisor with LPL Financial who holds a Series 66 designation and has been in the industry less than one year. He has prior experience working at the University of Kentucky Federal Credit Union since 2018 and previously worked in the hospitality sector. Outside of advisory services, he is a licensed notary and continues his role at the credit union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various financial planning and advisory programs, leveraging model portfolios, third-party research, and advanced technologies to support diversified investment strategies.

Lindsay Rice is a financial advisor with Edward Jones in Mt Sterling, KY. She holds the ChFC® designation and Series 66 license, and has nine years of industry experience. Prior to joining Edward Jones in 2017, she worked for Clark County Public Schools from 2011 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of advisory programs, managed strategies, and affiliated investment products, supported by a large nationwide network of financial advisors and branch offices.

Jesica Taylor is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and has a diverse background including roles at the Kentucky Arts Council and Seattle University. Taylor also serves as Membership Chair for the Kentucky State Poetry Society, where she manages membership records and communications. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment offering.

Micah Kinnett is a CFP® professional with 15 years of experience in financial advising, currently serving at Raymond James Financial Services Advisors, Inc. since 2020. Prior to this, he worked at UBS Financial Services from 2012 to 2020. He is a co-owner of Kinnett Borough Financial Group and also works as a financial advisor with Oak Crest Advisors, LLC. 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, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Kristian Buckler is a financial advisor at Merrill with 22 years of industry experience. He has been with Merrill since 2006 and holds Series 63 and Series 65 designations. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

Emily Dawson is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has worked at Edward Jones since 2022. Her prior roles include positions in marketing and community organizations, as well as involvement with a dance school. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andrew Ryan is a financial advisor with Edward Jones in Mt Sterling, KY, holding the Series 63 and Series 66 designations and with 22 years of industry experience. He has been with Edward Jones since 2003. Outside of his advisory role, he manages a farm through Red River Valley LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment solutions supported by a large nationwide advisor and branch network.