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We empower you to navigate today's complex financial world by customizing a plan to fit your individual and family needs.

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Strategic Alliances

Wayne Schmidt, CFA®

Chief Investment Officer
Gradient Investments, LLC

In 2008, Wayne brought 30 years of institutional investment experience to the private clients of Gradient Investments. During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.
Wayne has been quoted on the subject of the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Reuters and The Los Angeles Times. He is a Chartered Financial AnalystTM and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.

Michael Binger, CFA®

Senior Portfolio Manager
Gradient Investments, LLC

Mike brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Mike has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry. He spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles. Mike’s media highlights include numerous appearances, providing market insight on CNBC, Bloomberg TV and Bloomberg Radio.
Mike has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national and global investment publications.

Mariann Montagne, CFA®

Senior Investment Analyst
Gradient Investments, LLC

Mariann has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. This experience includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. She is highly attuned to economic and market conditions, and has extensive experience selecting individual stocks, ETFs and mutual funds. In addition to being a CFA, she is a member of both the CFA Society of Minnesota and the CFA Institute. Mariann’s media highlights include quotes in Barron’s, The Wall Street Journal, Fortune, NPR, Washington Post and the Chicago Tribune. She has also appeared on Bloomberg TV and Fox Business News.


Thomas J. Elmlinger

Attorney at Law, Elmlinger Law Office

Visit Elmlinger Law Office here.

Tom Elmlinger has been helping Tennesseans with their legal needs since 1986. He handles clients’ Estate Planning and Probate needs, including drafting wills, trusts, powers of attorney, living wills and forming family limited partnerships and family LLC’s.  In addition, Tom assists clients with settling estates and establishing and maintaining conservatorships and guardianships.

Tom Elmlinger is a graduate of the University of Tennessee School of Law where he was on the Dean’s List and Law Review. With substantial law firm and corporate experience, he has been meeting the legal needs of individuals in Middle Tennessee for over thirty years.

With accessible offices in the Westgate Center in Brentwood, Tom is able to meet with clients both in his office, or, when necessary, in their homes. He is a long-time member of the Tennessee Bar Association and the Williamson County Bar Association. When he is not practicing law, he enjoys spending time with his wife and three sons and volunteering with the Boy Scouts, at his church and for various charities benefiting the homeless.

Michael Sullivan

Certified Public Accountant

Visit Michael D. Sullivan, CPA here.

Michael is a graduate of Middle Tennessee Scare University where he majored in Business Administration. After working with Glenn Hardison and Bill Gavin in their practice for several years, Michael established his own firm. Michael is committed to providing area residents with the highest level of professional expertise and personal attention for all tax, accounting, audit and financial planning needs. His success is measured by his clients’ financial achievements and satisfaction.

Michael’s wife, Annette, is a Lewisburg native and graduated from Marshall County High School. Micheal and Annette have two active daughters, Marilyn and Marti, and they enjoy spending their free time in extracurricular and outdoor activities.

Philip Cummings

Certified Public Accountant
Cummings CPA Services

Phillip founded Cummings CPA Services with a passion to help both individuals and small businesses and has served as the company’s President since it’s inception. His 25 years of public accounting and business experience has prepared him well in serving clients as a trusted business advisor and business partner. His knowledge enables him to provide valuable advice and solutions to his clients. Phillip offers services including assurance, accounting, tax preparation, tax consulting, strategic planning, merger and acquisition assistance and management consulting. He also helps individuals and businesses with tax problems including unfiled tax returns, tax settlements and tax payment plans as well as IRS audit representation.

He began his public accounting career with the large regional firm of Watkins and Uiberall, PLLC in Memphis Tennessee in 1988. There he provided attest, tax and consulting services to many industries including health care, restaurant, printing, publishing, transportation, distribution, nonprofit, automotive and manufacturing. His career has included senior executive roles ranging from Director of Strategic Planning to Vice President Finance and Chief Financial Officer for companies in the publishing, retail, printing, hospitality and automotive industries and with companies $15 million to $15 billion in revenues.

One of Phillip’s focuses over the last fifteen years has been in leading companies to greater revenue maximization and operational efficiencies through the creation and adoption of best business practices. He has also led the strategic planning and business development functions for large privately held international organizations doing business in over 60 countries and with employees in excess of 80,000.

Phillip lives in the Nashville area and enjoys spending time with his family, boating, beach and college football.