PJ Gibbs, CFP®, is the founder of Trella Wealth, a fee-only financial planning firm that provides comprehensive financial planning and investment management for families, pre-retirees, and retirees. With over six years of experience at a regional Registered Investment Advisor, PJ established Trella Wealth to offer a client-centered approach focusing on personalized, flexible, and actionable strategies. As a Certified Financial Planner™, PJ emphasizes clear and transparent communication, ensuring his clients are well-informed and confident in their financial decisions. He offers services like retirement planning, tax-efficient strategies, and investment management, always prioritizing clients' unique goals. Trella Wealth operates on a fee-only basis, meaning it does not earn commissions from selling products, ensuring that PJ's advice is always in the best interest of his clients. The firm's approach involves creating tailored financial plans that adapt to life's changes, with regular reviews to ensure clients stay on track toward their financial goals. PJ works closely with clients to help them prepare for retirement, manage their investments, and develop strategies for preserving and growing their wealth. When not helping clients simplify their financial lives, you can find PJ spending time with his wonderful wife and four kids, traveling, or looking for his golf ball.

William Buckman is a financial advisor at Dollars & Sense Financial Fitness with one year of industry experience. He holds a Series 65 designation and previously worked at Lord from 2004 to 2021 before a brief retirement. Dollars & Sense Financial Fitness serves individual clients, including high-net-worth individuals, by providing portfolio management, financial planning, and one-on-one financial coaching. The firm uses a long-term trading approach with cyclical and fundamental analysis, operates on a non-discretionary basis, and incorporates financial coaching methods such as the Dave Ramsey “7 baby steps” and a debt-snowball strategy.

Grant Patterson is a financial advisor at Journey Financial Management, LLC with two years of industry experience. He holds a Series 65 designation and has prior experience at South Central Bank and Payroll Vault. Patterson is also a licensed life insurance agent in Kentucky, offering life insurance options to clients. Journey Financial Management provides advisory services to individuals, business-sponsored retirement plans, and other entities. The firm focuses on passive, cost-aware investment strategies using index mutual funds and ETFs, tailoring allocations to client goals, life stage, and risk tolerance while serving about 77 clients with a four-advisor team.

Richard Fontenot is a CFP® with 18 years of experience in financial advising at Journey Financial Management, LLC. He has managed or owned several businesses, including Boxcar, LLC and Banana Stand Ventures, LLC. Outside of advisory work, he is involved in business consulting, insurance sales, and RV rental operations. Journey Financial Management serves individuals, business-sponsored retirement plans, and other entities, offering financial planning, discretionary investment management, and specialized services such as SIMPLE IRA advisory and donor-advised fund portfolio management. The firm focuses on passive, cost-aware investment strategies tailored to clients' goals and risk profiles.

Derrick Palmer is a Certified Financial Planner® (CFP®) with 12 years of industry experience. He has worked at Edward Jones for nine years before joining Journey Financial Management, LLC, where he has been an advisor since 2023. Journey Financial Management, LLC provides advisory services to individuals, including high-net-worth clients, business-sponsored retirement plans, and other entities. The firm employs a primarily passive, cost-aware investment approach using index mutual funds and ETFs, tailoring portfolios to client goals and risk tolerance while serving approximately 77 clients with $57.9 million in discretionary assets under management.

Andrew Head is a CFP® and Series 66-registered financial advisor with 22 years of industry experience. He has been with Journey Financial Management, LLC since 2010 and serves as an associate professor of finance at Western Kentucky University, where he also directs the Center for Financial Success, a financial literacy outreach initiative. In addition to his advisory work, he is a licensed insurance agent assisting clients with insurance evaluations. Journey Financial Management provides advisory services to individuals, including high-net-worth clients, business-sponsored retirement plans, and other entities. The firm emphasizes passive, cost-aware portfolio management focused on client goals, life stage, risk tolerance, and serves about 77 clients with a four-advisor team managing approximately $57.9 million in discretionary assets.

Jacob Mudd is a financial advisor with TAVCO Financial Advisory, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to joining TAVCO, he worked with Thrivent Financial and its affiliated entities. Outside of his financial advisory role, Mudd serves as an ordained Southern Baptist minister and provides pulpit supply and evangelistic support through his separate ministry. TAVCO Financial Advisory serves individual clients, including high-net-worth individuals, and retirement plans by recommending and monitoring third-party managed programs and providing portfolio management and ERISA plan advisory support. The firm manages all assets on a non-discretionary basis and uses a process grounded in detailed financial analysis and access to platform tools such as Orion Solutions and TAMP.

Timothy Reagan is a financial advisor at Tony Walker Financial in Bowling Green, KY, with four years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Avantax Investment Services, Commonwealth Tax Professionals, and US Bank. Tony Walker Financial provides discretionary investment management and financial planning services to individuals and high-net-worth clients, integrating insurance products into client plans alongside securities-based portfolios. The firm manages accounts primarily on a discretionary basis using fundamental and charting analysis and serves a high client load across a team of five advisors.

Phillip Walker is a financial advisor at Tony Walker Financial with 16 years of industry experience. He holds Series 63 and Series 65 registrations and has been involved with Walker Financial Services, Inc. since 1991. Outside of financial advising, Walker serves as president of WorryFree, Inc., a media and marketing firm focusing on marketing strategies and training for the WorryFree Retirement Network. Tony Walker Financial provides discretionary investment management and financial planning to individuals, high-net-worth clients, and participants using Personal Choice Retirement Accounts. The firm integrates insurance products with securities-based portfolios and employs fundamental and charting analysis with a long-term investment approach.

Heather Hughes is a financial advisor with Tony Walker Financial in Bowling Green, KY, holding a Series 65 designation and eight years of industry experience. She has been associated with Walker Financial Services, Inc. since 2006. In addition to her advisory work, she is an independent licensed insurance agent specializing in life insurance and annuities. Tony Walker Financial provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and Personal Choice Retirement Account participants. The firm integrates insurance products with securities-based portfolios and uses fundamental and charting analysis to guide investment decisions.

Carl Jurgens is a financial advisor with Tony Walker Financial in Bowling Green, KY, holding a Series 65 designation and six years of industry experience. He has worked with WorryFree, Inc., a media and marketing firm, since 2017, where he focuses on marketing efforts including research, copywriting, and email campaign management. Prior to his advisory role, he spent two years at Dick's Sporting Goods. Tony Walker Financial provides discretionary investment management and financial planning to individuals, high-net-worth clients, and Personal Choice Retirement Account participants. The firm combines securities portfolios with insurance products and uses fundamental and charting analysis to guide long-term investment decisions, managing a notably high client load across its five advisors.

Zack Payne is a CFP® and holds a Series 65 license with three years of industry experience. He currently works at Leading Edge Financial Planning LLC, where he has been an advisor since 2026. Prior to this, he worked at Cerity Partners, LLC, ARGI Investments Services, LLC, and has experience from non-financial roles, including two years at Que Buenos and four years at Western Kentucky University. Leading Edge Financial Planning LLC serves individuals, high net worth clients, trusts, estates, and businesses by providing wealth management, discretionary portfolio management, and financial planning services. The firm focuses on strategic asset allocation, diversification, and a long-term investment approach using primarily low-cost mutual funds and ETFs.

Karissa Mclaren is a financial advisor at Oasis Wealth Planning Advisors with a Series 66 designation and two years of industry experience. Prior to joining Oasis, she was associated with several firms including Savvy, Osaic Wealth Inc, and Perspective 9 Wealth Advisors. Outside of financial advising, she worked as a US Soccer Referee. Oasis Wealth Planning Advisors is a fee-only firm that offers integrated wealth planning and investment advisory services to individuals, high-net-worth clients, families, and participant-directed retirement plans. The firm uses a client-centered approach incorporating tax, cash flow, and risk factors and implements asset allocations with a mix of passive and actively managed no-load mutual funds and ETFs.

Amanda Leger is a financial advisor with Cheviot Value Management, LLC, holding a Series 65 license and one year of industry experience. Prior to joining Cheviot, she was affiliated with Christian Assembly and Calcasieu Eagles. Cheviot Value Management is a privately owned registered investment adviser managing approximately $1.17 billion in client assets. The firm serves individuals, trusts, retirement plans, charitable organizations, and institutional clients using a value-oriented investment approach that incorporates fundamental equity and fixed income analysis with tactical asset allocation and risk management strategies.

Wesley Walker is a financial advisor with Tony Walker Financial in Bowling Green, KY, holding a Series 65 designation and six years of industry experience. He has worked at Walker Financial Services, Inc. since 2020 and previously held positions at Thryv, Orangetheory Fitness, and Nuhealth. In addition to his advisory role, he is an independent licensed insurance agent in Lexington, KY. Tony Walker Financial provides discretionary investment management and financial planning services to individuals, high-net-worth clients, and Personal Choice Retirement Account participants. The firm integrates insurance products with securities-based portfolios and manages client accounts using a documented Investment Policy Statement and a long-term purchase orientation.

Bradley Wheeler is a financial advisor with Level Four Advisory Services holding a Series 66 license and seven years of industry experience. His prior roles include positions at LPL Financial and Level Four Financial, LLC. Outside of his advisory work, he serves as a pastor and volunteers on multiple nonprofit boards focused on community support and education. Level Four Advisory Services is an SEC-registered investment adviser managing approximately $6.5 billion, serving individuals, corporations, retirement plans, and municipal entities. The firm offers financial planning, asset management, and fiduciary services, implementing client mandates through model portfolios and a range of affiliated and unaffiliated sub-advisors.

Douglas Vowell is a financial advisor with First Advisors National, LLC, holding a Series 65 designation and 11 years of industry experience. He has been an independent insurance agent since 2006. Vowell operates his insurance business in Hendersonville, TN alongside his advisory role. First Advisors National manages discretionary assets for individual and high-net-worth clients, offering investment management, third-party portfolio recommendations, and retirement plan consulting. The firm’s investment approach focuses on selecting and monitoring third-party managers, supplemented by fundamental analysis for individual securities.

Emily Jones is a Series 66-licensed financial advisor at Level Four Advisory Services with three years of industry experience. She previously worked at Studle Financial Services and held various positions in retail and food service prior to entering financial advising. Level Four Advisory Services is an SEC-registered enterprise investment adviser managing approximately $6.5 billion and serving individuals, corporations, retirement plans, and municipal entities. The firm provides financial planning, portfolio management, retirement-plan consulting, and fiduciary services, utilizing model portfolios, wrap platforms, and both affiliated and unaffiliated sub-advisors.

I am Chris Brown, Ph.D., CFP®, a fee-only financial planner with a strong desire to help families optimize their financial resources in retirement. I am a CFP® professional specializing in investment management, comprehensive retirement planning, and tax planning. I can work with clients in all 50 states. I entered the field of financial planning later in life, after a long career as a Finance professor. I have taught numerous students who now work as financial advisors for companies all over the country. I developed a deeper interest in financial planning a few years ago and began to learn all I could about the financial aspects of retirement. I began to focus on Roth conversion strategies, alternatives to turn retirement into a long term income stream and ways to minimize lifetime taxes. I can assist clients with cash flow analysis, tax minimization strategies including Roth conversion strategies, and decumulation strategies, among other things. Our focus is on clients age 55+ that are retired or within ten years of retirement. We work with clients from all walks of life, but we specialize in working with clients in K-12 and higher education, especially those clients with TIAA-CREF and those needing to make decisions about selecting a payout option in retirement from a state retirement program. For a no obligation, introductory meeting, go to https://scholarfinancial.com and click on "Contact Us" or email me at [email protected].

Ron is an Associate Professor of Finance, and Director of the Personal Financial Planning Program, at Western Kentucky University. For his teaching excellence, he has received several awards, including the Gordon Ford College of Business Faculty Fellow Award (2023) and the Faculty Award for Teaching (2020). He teaches, or has taught, courses in Personal Finance, Applied Investments, Advanced Investments, Retirement Planning, Estate Planning, Money & Banking, Principles of Finance, Business Law I and II, Legal and Regulatory Aspects of Personal Financial Planning, and Financial Plan Development (capstone). Ron has been an investment adviser since 2001, and a Certified Financial Planner since 2005. He currently serves (as of mid-2023) approximately 20 clients (plus family members) and advises upon approximately $25 million of financial assets. Dr. Rhoades is the author of several books, as well as hundreds of articles and blog posts. His blog can be found at: https://ronrhoades.com/. Ron has spoken at numerous conferences of financial and investment advisers. Ron also serves as an estate planning and tax attorney (Member, The Florida Bar) for a select group of clients. Ron is also a nationally known expert on fiduciary law as applied to financial services. He is frequently quoted in national media. He has received awards for his advocacy in Washington, DC, including the "Tamar Frankel Fiduciary Award" from the Institute for the Fiduciary Standard (2020) and the "Fiduciary of the Year Award" from The Committee for the Fiduciary Standard (2011). Ron's fee-only, fiduciary investment advisory firm, Scholar Financial, is now accepting new clients. To learn more, please visit https://scholarfinancial.com.