Ron Rhoades

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.

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 chris@scholarfinancial.com.

Kyle Gabehart is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their priorities and develop strategies aimed at pursuing their short-, mid-, and long-term financial goals. He provides guidance on a range of financial matters, including general investing, retirement planning, and saving for unforeseen expenses. He also offers access to Bank of America specialists for additional banking, credit, home financing, and small business services. Kyle holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Western Kentucky University. He emphasizes building relationships with clients to tailor advice and support as their financial needs evolve over time.