Paul Tyner is the principal advisor at Tyner Capital Management Investment Counsel, Inc. He holds the CFA® designation and has 13 years of industry experience. Tyner has been with Tyner Capital Management since 1993. Tyner Capital Management provides discretionary and non-discretionary portfolio management to individual investors and institutional retirement clients, including pension and 401(k) plans. The firm’s investment approach is based on fundamental research of a defined 1,700-stock universe, with selections focused on value and growth attributes for long-term capital growth.

Emmett Law is a financial advisor with Empower Advisory Group, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes roles at UBS Financial Services and Suntrust Robinson Humphrey. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its financial planning approach.

Veronica Aaron is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She previously worked for Householder Group Estate & Retirement Specialists and LPL Financial from 2013 to 2024. Outside of her advisory role, she serves as trustee of the Kofoed Family Trust. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm’s investment approach combines strategic asset allocation with both passive and active management, supported by quantitative and fundamental research and an internal Investment Committee.

Mark Brown is a financial advisor at Merrill with 28 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at both Merrill Lynch, Pierce, Fenner & Smith and Bank of America, N.A. since 2007 and 2011, respectively. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

David Steinfeld is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at LPL Financial since 2015 and previously spent a year at Caldwell Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

Lacey Atwell is a Series 66 licensed financial advisor with 15 years at Merrill and 2 years of industry experience. She is based in Chattanooga, Tennessee. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Hammel is a Resident Director at Merrill Lynch Wealth Management, where he provides personalized wealth management strategies tailored to meet the unique needs of his clients. He specializes in areas such as Corporate Executive Services, Divorce Transition Planning, Employee Benefits Planning, Family Wealth Management Strategies, Institutional and Corporate Benefit Services, and Philanthropic Planning. Tom joined Merrill Lynch in 1993 after earning his Bachelor's Degree from Liberty University. He holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His approach emphasizes accessibility, knowledge, and experience to help clients make important financial decisions. Outside of his professional role, Tom is involved in his community as an assistant wrestling coach at CCS High School and serves on the Church Finance Council at Woodland Park. He enjoys boxing, hunting, painting, reading, woodworking, and spending time with his wife and two daughters in East Brainerd, Tennessee.

Richard Jones is a financial advisor at Merrill with 11 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2014 and previously worked at Massachusetts Mutual Life Insurance for one year. Merrill provides managed account services through its Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Riley Stafford is a Financial Advisor at Merrill Lynch Wealth Management, specializing in guiding young professionals, families, and retirees through personalized, long-term financial strategies. He focuses on building confidence in clients' financial lives by creating customized plans that address their goals and values, with an emphasis on generational wealth and legacy building. Riley holds a Bachelor's degree and a Master of Business Administration (MBA) from the University of Tennessee System. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He works collaboratively with a team possessing over 100 years of combined experience to provide comprehensive planning support. Outside of his professional role, Riley is involved with community organizations such as the East Tennessee Alliance for Animals and Habitat for Humanity. His personal interests include boating, music, photography, reading, soccer, spending time with family, traveling, watching movies, and practicing yoga.

Vince Stafford is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on helping clients pursue their personal financial goals by creating personalized wealth management plans that consider individual priorities and long-term aspirations. Vince approaches wealth management with attention to multiple factors including clients' balance sheets, risk tolerance, family dynamics, and evolving fiscal conditions, aiming to deliver clear and transparent guidance. He brings professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Vince holds a Bachelor's Degree from the University of Tennessee at Chattanooga. His work philosophy emphasizes hard work, consistent communication, and ongoing stewardship to support clients in achieving their life and legacy objectives.

Craig Seyfert is a Wealth Management Advisor at Merrill Lynch Wealth Management. He employs a comprehensive, planning-based approach to wealth management, leveraging insights from Merrill and the banking services of Bank of America to develop personalized financial strategies aligned with clients’ long-term goals. With 25 years at the firm, Craig specializes in corporate benefits, executive services, divorce transition planning, employee benefits planning, executive compensation, institutional investment consulting, and services for endowments, foundations, and non-profits. His expertise extends to retirement planning and consulting for defined benefit and defined contribution plans. Craig holds a Bachelor's Degree from the University of Memphis and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Craig participates actively in his community, volunteering with organizations such as the Chattanooga Food Bank and Susan G. Komen. Outside of his professional responsibilities, his personal interests include hunting, ice hockey, skiing, and traveling.

Angela Spurling is a financial advisor with Merrill in Chattanooga, TN, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. She has been with Merrill since 1989 and also worked at Bank of America, N.A. from 2025 to present. Angela is a member of Air 911 Heating & Cooling LLC, an HVAC company established for estate purposes. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Adam Snider is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2011 and has since managed a disciplined planning process for his team, focusing on personalized client recommendations. Adam works to ensure that asset allocation and portfolio strategy function together to help clients achieve their financial goals. Adam holds both a Bachelor's degree in Business Administration and an M.B.A. in Finance from Middle Tennessee State University. He is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). His areas of expertise include college education planning, family wealth management strategies, retirement income planning, portfolio management services, and tax minimization. Residing in Dunlap with his wife Kendall and their three children, Gideon, Elizabeth, and Moses, Adam participates in personal interests such as hiking, playing musical instruments, team sports, and volunteering at his church.

Jonathan Dutton is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2002. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Based in Lookout Mountain, GA, Dutton has spent his entire advisory career with Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households across various net worth levels, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices, offering a range of advisory programs and investment solutions under a fiduciary standard.

Andrea Anderson is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management solutions. She is a member of The Anderson Group, which collectively brings over 50 years of experience serving families in the Chattanooga and Cleveland area. Andrea's work focuses on areas such as college education planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Andrea began her career in the financial industry in 2005, progressing through roles including intern, receptionist, operations and compliance, financial advisor assistant, team financial advisor, and now senior financial advisor. She holds a Bachelor's degree in Finance with a minor in Psychology from Georgetown College and earned an MBA from the University of Tennessee at Chattanooga. Andrea is also a Junior League of Chattanooga Sustainer and holds the Personal Investment Advisor (PIA) designation. Outside of her professional work, Andrea enjoys travel and staying active, with interests that include basketball, bowling, boxing, football, golfing, hiking, and ice hockey. She is married to her high school sweetheart, Kevin, and they have two dogs. Andrea values connecting with clients personally and professionally to help simplify their financial lives.

Ashlee Wallick is an International Wealth Advisor specializing in serving high-net-worth individuals and families. She focuses on providing personalized attention through a disciplined investment process tailored to clients’ unique goals and priorities. Ashlee’s areas of expertise include international wealth management, family wealth strategies, corporate executive services, and education planning. Ashlee holds the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™ and maintains Series 7, 63, and 65 FINRA registrations as well as the 215 insurance license. She earned an Associate's Degree from University Jose Miguel Carrera in Chile and is fluent in both English and Spanish. Ashlee resides in Coral Gables, Florida.

Steven Coffman is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2010 after beginning his financial services career in 2000 with UBS Financial Services. Steven specializes in helping families with complex wealth management needs by developing customized strategies that reflect their values and goals. He collaborates closely with clients' attorneys and tax advisors to coordinate cohesive wealth management plans that utilize a range of resources through Merrill Lynch and Bank of America, including investments, trusts, insurance products, and estate planning strategies. Steven's areas of expertise include family wealth management strategies, legacy planning, retirement income, college education planning, corporate retirement plan services, divorce transition planning, managing new wealth, personal retirement planning, and portfolio management services. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree in Business Marketing from the University of Tennessee at Chattanooga, where he also spent a semester studying International Finance and Marketing at King College in London, England. Outside of his professional responsibilities, Steven enjoys spending time with his wife Michele, an attorney, and their son Carson. His personal interests include football, hunting, music, and engaging in family activities. Steven values building long-term relationships with clients across generations and aims to support them through market fluctuations and life challenges by acting as a client advocate.

Catherine Cary is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2009 after seven years as a Financial Advisor with Ameriprise. She holds a Bachelor of Science degree, earned Summa Cum Laude from the University of Tennessee at Chattanooga, and has earned professional designations including Chartered Retirement Plans Specialist™ (CRPS™) and Certified Plan Fiduciary Advisor® (CPFA®). With over 15 years of experience, Catherine specializes in areas such as divorce transition planning, education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and women and wealth. She works closely with clients to develop personalized financial strategies tailored to their goals. Catherine is active in her community, volunteering with her children's school and having served on the board of Civitan International. She has also volunteered with America's Junior Miss at local and state levels. She resides in Chattanooga with her two children.

Eilier Teruel is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with individuals and families to understand their financial situations and unique goals, providing tailored financial strategies to help them pursue their aspirations. His approach integrates investment insights from Merrill as well as banking services from Bank of America to create comprehensive and personalized wealth management solutions. Teruel's expertise spans areas including education planning, family wealth management, retirement planning, portfolio management, and liquidity management. He holds professional designations such as Accredited Wealth Management Advisor (AWMA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his bachelor's degree from Florida International University. In addition to his professional work, Teruel is actively involved in community organizations including the Boys & Girls Clubs of Chattanooga and the Kiwanis Youth Foundation. He volunteers with several community initiatives such as the Chattanooga Area Food Bank, Habitat for Humanity of Greater Chattanooga, and Wreaths Across America. Outside of his professional commitments, he enjoys activities like boating, cooking, dancing, fishing, golfing, hiking, racquetball, running, soccer, and tennis.

Kathryn Bailey is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Chattanooga, Tennessee. She leads a team of specialists dedicated to providing goals-based wealth management services for affluent families, accomplished professionals, and successful business owners. Kathryn focuses on building enduring client relationships through exceptional service, customized guidance, and a disciplined, strategic investment approach. With over 15 years of marketing experience and more than 20 years in asset management and entrepreneurship, Kathryn brings a comprehensive perspective to financial advising. She holds multiple professional designations including Accredited Domestic Partnership Advisor (ADPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Chartered Retirement Plans Specialist (CRPS). Kathryn earned her Bachelor's degree from Mercer University and holds a Master's degree from the University of Tennessee. Kathryn is involved in various community organizations such as the Chattanooga Tennis Foundation, Junior League of Chattanooga, Rotary International, Girls Preparatory School, and St. Paul's Episcopal Church. She enjoys tennis, traveling, fishing, gardening, golfing, hiking, music, reading, and spending time with her family.

Erica Easterly is a financial advisor at Merrill with Series 63 and Series 66 designations and 29 years of industry experience. She has been with Merrill Lynch since 2000. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tandy Lewis Jr. is a CFP® professional with 42 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2013. His prior business activities include partnerships and managing family assets through entities such as TABB EQUITIES LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves individuals, institutions, and municipal entities with financial planning and advisory services. The firm offers a range of portfolio management styles and municipal advisory services, supporting advisors with extensive research and tailored client solutions.

Kendall Kezdi is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in wealth management, retirement planning, and financial wellness strategies for individuals, families, and institutions. Ken focuses on developing financial wellness strategies by understanding clients' short- and long-term financial objectives. He joined Merrill Lynch Wealth Management in early 2007. Ken has extensive experience in analyzing, designing, and implementing Defined Contribution plans. He aims to simplify the participant experience, support retirement readiness, improve outcomes, and potentially lower fees through streamlined investment plan design. His goal is to help clients deliver value to plan participants while minimizing fiduciary liability risk and balancing plan governance, costs, and complexity. Ken retired as a Senior Chief Petty Officer from the U.S. Coast Guard in 2017 after 22 combined years of active and reserve service. He holds several professional designations, including Retirement Benefits Consultant, Certified 401(k) Professional (C(k)P®), Chartered Advisor in Philanthropy® (CAP®), Certified Plan Fiduciary Advisor (CPFA™), and Chartered Retirement Planning Counselor™ (CRPC®). Ken earned his high school diploma from Villa Angela St Joseph. He is affiliated with the U.S. Coast Guard.

John Pollock is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 1981, alongside his tenure at Bank of America since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Christine Curtis is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior roles include positions at SunTrust Advisory Services, SunTrust Bank, and the Community Foundation of Greater Chattanooga. Merrill, along 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amanda Scott is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2016, with a brief tenure at Raymond James & Associates. Her background also includes positions at Greater Lakes Mental Healthcare and Bank of America. 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 with model-based and discretionary investment strategies.

Jill Byers is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 1996. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Roger Moreau is the sole advisor at Moreau Investment Management Co in Jasper, Tennessee, holding Series 63 and Series 65 credentials with 31 years of industry experience. He has led the firm since its founding in 1994. Moreau Investment Management Co provides discretionary portfolio management and investment advice primarily to individual and high-net-worth clients. The firm manages approximately $61.8 million across 47 client accounts and maintains operating policies focused on trade execution and conflict management, including prohibitions on related-person transactions and pooled investments.