Chattanooga Office ♦ 1400 Williams Street ♦ Chattanooga, TN 37128 ♦ Phone: 423.756.3828 ♦ Fax: 423.265.0735 ABOUT OUR PEOPLE Jim Cheney, CLU, ChFC, Chairman Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. 423-756-3828 ext. 120 E-mail Jim at jcheney@evergreenci.com Traci Kozloski, Chief Executive Officer As the Chief Operating Officer at Evergreen, Ms. Kozloski is responsible for directing and administering Evergreen's business
activities while supporting and playing a participatory role in the continued growth and success of the firm. Traci's role
has been inherent in molding Evergreen Consulting into one of the Southeast's premier wealth management firms.
Ms. Kozloski entered the financial services profession with Evergreen Consulting over 20 years ago, following a career in
the banking industry. Traci is an active member in Chattanooga's Financial Community, as well as in the national arena.
423-756-3828 ext. 115 E-mail: tkozloski@evergreenci.com Robert J. Kozloski, II, President Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. 423-756-3828 ext. 103 E-mail Robert at rkozloski@evergreenci.com Jim Graham, CPA, CFP Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. 423-756-3828 ext. 119 E-mail Jim at jgraham@evergreenci.com John S. Moore, Director Executive & Pension Benefits Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. 423-756-3828 ext. 114 E-mail: jmoore@evergreenci.com Lindsay Bressman Along with providing administrative assistance, Lindsay is increasingly becoming integral to the operations of our firm, providing
significant support with client servicing and account management.
Outside of Evergreen Consulting, Lindsay likes to live a positive and active life with her fiancé Tom and their 3 dogs in
Spring City, Tennessee.
423-756-3828 ext. 130 E-mail: lbressman@evergreenci.com Margaret Gaither She has been involved in all aspects of the insurance business, including case design, underwriting and servicing existing
clients.
E-mail: mgaither@evergreenci.com
Jim Cheney graduated from Indiana University with a degree in marketing in 1968. He began his life insurance career in 1970
with The Equitable Life Insurance Society. Jim served as an agent and had a distinguished career as a district manager before
electing to return to agent status in 1982. He was named Equitable's regional honor agent in 1987 and is a member of the Equitable
Hall of Fame. Mr. Cheney is the Chairman of Evergreen Consulting, Inc. formed in 1991. That same year Evergreen became a member
of the M Financial Group. Mr. Cheney specializes in the area of executive benefit planning. He is a life member of the Million
Dollar Round Table, a member of the Chattanooga Estate Planning Council and serves on a number of community boards.
Ms. Kozloski is one of Evergreen Consulting's original members. She has been a Principal and Chief Operating Officer since
2000 and was promoted to Chief Executive Office in 2009. She specializes in servicing Evergreen's national clientele with
estate and executive benefit plans.
Robert Kozloski received a Bachelors of Science Degree in Marketing from Wilkes University in Wilkes-Barre, Pennsylvania in
1985 and a Masters in Business Administration in Finance from the University of Tennessee at Chattanooga in 1990. He is currently
preparing to sit for his CPA exam. Robert has been in the financial services industry his entire career. Prior to becoming
the President of Evergreen Consulting in the spring of 2002, Robert had worked primarily in bank management for several regional
banks including AmSouth, First American, Pioneer, and Nations Bank mainly in the Retail Division of each bank. As a registered
representative and insurance agent, Robert is the cornerstone of Evergreen Consulting's succession team. His role as President
of Evergreen Consulting is to lead one of the southeast's premier wealth management companies through its transition into
a truly state of the art, marquee financial institution.
Jim Graham graduated from the University of Tennessee with a Bachelor of Science degree in accounting in 1976. He worked as
a Certified Public Accountant from 1976 to 1983. Mr. Graham began his career in financial planning with IDS in 1983. He joined
Master Financial Group in 1986 and was with Master Financial in 1991 when it merged with Evergreen Consulting, Inc. He obtained
his Certified Financial Planner (CFP) designation from the College of Financial Planning in 1987. Jim Graham is known for
his specialty work with individuals and businesses in the areas of wealth transfer, investments and retirement planning. Mr.
Graham has served as chairman of various committees with the Kiwanis Club of Chattanooga and in leadership roles with the
Chattanooga Area Chamber of Commerce.
John Moore began his career in the financial planning industry in 1996 with John Hancock Financial Services after serving
ten years as a commissioned officer in the United States Army and the United States Army Reserves. Originally, John focused
extensively on the area of planning for long-term care before expanding into retirement planning in general. John has presented
educational seminars on planning for retirement and investing in employer sponsored retirement plans to the public and various
state and private employee groups throughout the United States. He has also served as a guest speaker for several professional
associations and social functions and has written investment articles for a professional trade journal. A Managerial Finance
major at the University of Mississippi, John has also completed advanced coursework in Insurance and Estate Planning at Middle
Tennessee State University. John is a member of the National Association of Life Underwriters, an affiliate of the American
Society of Pension Actuaries, and the American Legion.
Lindsay Bressman joined Evergreen Consulting in July, 2010. Prior to joining Evergreen, Lindsay held positions in the Financial
and Investment arenas.
Margaret Gaither joined Evergreen Consulting, Inc. in March 2009. Her experience includes customer service, Payroll and Employee
Benefits.