CTBI - Key Persons


Andrea Johnson

Job Titles:
  • Member of the Private Wealth Services Team
  • Client Service Administrator
Andrea joined the CTIC family in 2020 as a Client Service Administrator. Prior to joining CTIC, Andrea worked as a certified pharmacy technician at Harold Clinic Pharmacy. As a Client Service Administrator, she is responsible for meeting and working closely with customers regarding matters of account or asset administration, reviewing transactions and fees in account for accuracy and assist operations in order to ensure proper information and documentation needed in order to process all client requests and account set-up. Andrea graduated from Big Sandy Community and Technical College with an Associates in Business Administration and Management along with an Associates in Applied Science. Andrea grew up in McDowell, KY and still resides there today. In her spare time she enjoys listening to true crime podcasts, reading and riding ATVs.

Andrew Windsor - VP

Job Titles:
  • Portfolio Manager
  • Vice President
Andrew joined CTIC's Wealth and Trust Management team in 2019. In his current role, Andrew is responsible for the research and selection of mutual funds, ETFs and individual securities, contributing to the overall direction of the investment department, and communicating the investment strategy and results to clients. Andrew has over 23 years of experience in the financial services industry. Prior to joining WTM, he was a Retirement Investment Consultant at Unified Trust Company. Andrew also has experience as a Senior Portfolio Manager, Senior Investment Officer, and Investment Analyst. Andrew earned his Bachelor's of Business Administration degree from Acadia University located in Wolfville, Nova Scotia, Canada. He earned his Chartered Financial Analyst® designation in 2006. Andrew is originally from Southern Ontario, Canada and moved to the United States in 1998. He currently resides in Lexington, KY. In his spare time, Andrew enjoys traveling, going to the lake, and spending time with his wife and two children.

Andy D. Waters - CEO, President

Job Titles:
  • CEO
  • Member of the Board of Directors
  • Member of the CTIC Trust Executive Committee
  • Member of the Management & Administrative Team
  • President
  • President and CEO / Community Trust

Brenda H. Brammer

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Member of the International Society of Certified Employee Benefit Specialists
  • Senior Vice President, Director of Retirement / Institutional Services
  • Senior Vice President, Retirement / Institutional Services Manager
Brenda joined CTIC's Wealth and Trust Management family in 1983 and has extensive experience in the administration of qualified retirement plans. Prior to joining WTM, Brenda worked in a law office. She graduated from Marshall University, Magna Cum Laude, B.B.A. in 1982. In 1991, she became a Certified Employee Benefit Specialist (CEBS) from the Wharton School of the University of Pennsylvania. She has attended multiple retirement services related schools and seminars since 1985. Brenda is currently a member of the International Society of Certified Employee Benefit Specialists. She is originally from Charleston, WV and resides in Ashland, KY with her husband. Brenda enjoys cooking, hiking, and nature. A Chartered Financial Analyst® (CFA®) is a professional designation given by the CFA Institute, formerly AIMR, that measures the competence and integrity of financial analysts. This is one of the highest designations one can receive in the financial industry. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. To become a CFA charterholder, a candidate must meet four requirements. First, a candidate must have 48 months of qualified work experience in the investment industry as determined by the CFA Institute. Second, a candidate must pass all three levels of the CFA Program in order. Each exam is six hours long. Third, a candidate must become a member of the CFA Institute and pay annual dues. Lastly, a candidate must sign off annually that they are following the CFA Institute Code of Ethics and Standards of Professional Conduct.

Brent Harpster

Job Titles:
  • Member of the Executive Committee

Brian W. Chavis - VP

Job Titles:
  • Relationship Manager
  • Vice President
  • Vice President, Retirement / Institutional Services
Brian joined CTIC's Wealth and Trust Management family in 2018. As Vice President, he is responsible for overseeing client relationships as well as the administration of institutional and retirement accounts. Prior to joining WTM, Brian was a financial advisor at BB&T and PNC. Brian graduated from the University of Kentucky with a Bachelor's of Science degree in accounting and a Bachelor's of Business Administration degree in finance. Brian is originally from Cincinnati, OH and currently resides in Lexington, KY. In his spare time, he enjoys hunting, fishing, watching UK sports, and attending Keeneland.

Cade King

Job Titles:
  • Portfolio Manager
Cade joined CTIC's Wealth and Trust Management family in 2022 as an Investment Analyst. In 2023, he was promoted to Portfolio Manager. In his role, Cade is responsible for assisting the senior investment manager with asset and portfolio management, offers in-depth analysis on fixed income investments, offers suggestions and insight to managers on possible opportunities, lead ad hoc projects as needed, maintain compliance with organizational procedures and governmental regulations. He also serves on our Trust Investment Committee. Cade graduated Magna Cum Laude from University of Kentucky with a dual B.S. degree in Finance and Economics. Prior to joining WTM, Cade worked as a cost accountant at Commercial Specialty Truck Holdings. Cade is originally from Burlington, IL. He is a huge Cubs fan and enjoys woodworking and painting in his free time, as well as writing and reading on topics such as philosophy, history, and psychology. Cade is also a volunteer/mentor at Breckenridge Elementary.

Carly Barrett

Job Titles:
  • Member of the Private Wealth Services Team
  • Client Service Administrator
Carly joined the CTIC family in 2022 as an Operations Specialist. In 2023 Carly joined the Private Wealth Services team. In her role, she is responsible for supporting wealth advisors in our Private Wealth Services department as well as facilitating administrative duties on our client accounts. Carly earned her Bachelor's of Arts: Textiles and Apparel from University of Northern Iowa. Prior to joining CTIC, she worked as a Deposit Operations Specialist with MidwestOne bank in Iowa City, Iowa. Carly is originally from Waterloo, Iowa and currently resides in Lexington, KY. In her spare time, she enjoys tennis, hiking, reading, and sewing.

Cassity Meave

Job Titles:
  • Member of the Operations and Compliance Team
  • Operations Specialist
Cassity joined CTIC's Wealth and Trust Management family in 2019. As Operations Specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities. Cassity earned her Bachelor's of Science degree from Eastern Kentucky University in Richmond, KY. Prior to joining WTM, she worked in the hospitality and retail industry. She has over seven years of experience in customer service. Cassity is originally from Lexington, KY and still resides there today. She is passionate about animals and enjoys spending time outdoors. In her free time, she likes to spend time with her family and friends, go to the movies, and try new restaurants.

Chad Maynard

Job Titles:
  • Member of the Private Wealth Services Team
  • Vice President, Client Service Supervisor
Chad joined CTIC's Wealth and Trust Management family in 2012 with a diverse background in business administration, process improvement, and finance. In 2024, he was promoted to Vice President, Client Service Supervisor, where he supports Wealth Advisors in the Private Wealth Services department and oversees the training and management of Client Service Administrators. Chad holds an Associate's degree in business administration and real estate from Big Sandy Community & Technical College. He furthered his education by completing The Southeastern Trust School program at Campbell University in 2013 and graduating from the Southeast Kentucky Chamber of Commerce's Patton Leadership Institute in 2017. A native of Pikeville, KY, Chad continues to reside there, enjoying reading and spending time with friends and family in his spare time.

Charles J. Baird

Job Titles:
  • President of the Board of Directors

Chelsea Brown

Job Titles:
  • Compliance Analyst
  • Member of the Operations and Compliance Team
A Certified Financial Planner™ (CFP®) refers to the certification owned and awarded by the Certified Financial Planner Board of Standards, Inc. The CFP designation is awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements. Individuals desiring to become a CFP professional must take an extensive exam in the areas of financial planning, taxes, insurance, estate planning and retirement. They must have a Bachelor's degree and either 6,000 hours of professional experience related to the financial planning process or 4,000 hours of apprenticeship. CFP professionals are required to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients. To maintain their certification status, they must complete 30 hours of continuing education programs every two years. Chelsea joined CTIC's Wealth and Trust Management family in 2018. Prior to joining WTM, Chelsea worked in the retail banking industry and was an office manager at City National Bank. She attended Eastern Kentucky University in Richmond, KY. Chelsea is responsible for conducting compliance testing and BSA/AML monitoring. Chelsea is originally from Lawrenceburg, KY and currently resides in Lexington, KY. She enjoys spending time with her family and friends, being outdoors, and animals.

Claudia Crank

Job Titles:
  • Service Associate
Claudia joined CTIC's Wealth and Trust Management family in 2022. As a Service Associate her responsibilities include supporting Relationship Managers in our Retirement/Institutional Services department as well as facilitating administrative duties for our clients. Claudia graduated from University of Maryland Global Campus with an Associates in accounting. She has over ten years of experience in retail and customer service. Claudia is originally from Zella-Mehlis, Germany and currently resides in Ironton, OH. She enjoys traveling, reading, and cooking in her spare time.

Crit Luallen

Job Titles:
  • Member of the Board of Directors

Crystal Davis

Job Titles:
  • Member of the Business Development Team
  • Sales & Marketing Specialist
Crystal joined CTIC's Wealth and Trust Management (WTM) team in 2024. As a Marketing and Sales Specialist, Crystal is responsible for supporting the sales team in the prospecting of new clients, financial reporting and overseeing our client relationship management software system. Crystal has more than six years of experience in the financial industry. She began her career at Community Trust Bancorp as a teller. She then moved to the collections department and on to the Appraisal Review department before joining CTIC. Crystal earned her Associate's degree in Business Administration from Big Sandy Community College and is currently pursuing a Bachelor's of Business Administration degree from Western Governor's University. Crystal grew up in Williamson, WV and currently resides in Georgetown, KY. In her spare time, she enjoys reading, knitting, crocheting, cooking and watching true crime documentaries

David Sever

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Senior Vice President / Director of Financial Services

Derek Stivers

Job Titles:
  • Portfolio Manager
Derek joined CTIC's Wealth and Trust Management family in 2021 as a Portfolio Manager. In his role, Derek is responsible for providing valuable trading support to both equity and fixed income teams, as well as assist in key account management functions. He also serves on our Trust Investment Committee. Derek graduated from Eastern Kentucky University with a B.B.A. in Finance. Prior to joining WTM, Derek worked in the banking industry for PNC Financial services as well as a certified financial representative for Northwestern Mutual. Derek is originally from Shelbyville, KY. He enjoys playing tennis, camping, and spending time with family. He loves giving back and volunteering locally for programs such as Donate Life American and Tree of Hope.

E. Barrett Coleman - VP

Job Titles:
  • Portfolio Manager
  • Vice President
  • VP, Portfolio Manager - Morehead State University
Barrett is Vice President and Portfolio Manager for CTIC's Wealth and Trust Management team. In his current role, Barrett is responsible for the research and selection of fixed income securities, contributing to the development of fixed income strategies, and managing individual client portfolios with an emphasis on institutions. Barrett has worked in the banking and financial services industry for over 15 years beginning with Community Trust Bank in 2003 and then joining CTIC's Wealth and Trust Management team in 2008. He earned his Bachelor's of Business Administration from the University of Kentucky and his Master's in Business Administration from Morehead State University. Barrett is originally from Pikeville, KY and currently resides in Lexington, KY. In addition to spending time discovering new foods, he enjoys traveling and playing pickleball.

E.B. Lowman II

Job Titles:
  • Member of the Board of Directors
  • Chairman and CEO / Cardinal Management Ltd. Ashland, KY

Erik Flaig

Job Titles:
  • Financial Consultant
  • Member of the Executive Committee
Erik graduated from college in 1992 with a degree in Business Financial Management and a minor in Accounting and Marketing. Following his education, he obtained his first investment license in 1992. He began his career in banking in 1994 as a part-time teller. This position grew into a full-time position and he quickly became the Branch Manager, overseeing multiple branches and employees. In 1998, Erik expanded his banking skills into business banking. He decided in 2000 that his passion was in financial advising. He has been a full-time financial advisor ever since and brought decades of experience to Community Trust Financial Services. Outside of work, Erik is an extremely involved and dedicated father and foster father. He has two successful adult daughters of his own and he enjoys spending as much time with them as possible. Additionally, he also has two foster children. Fostering for over ten years, he has impacted the lives of many foster children. He takes great pride in loving and providing for children that have not been as fortunate as some. Erik has served on the Parks and Recreation board in Scott County for over 6 years. He enjoys thinking 'out of the box' and the challenge of making things new and beneficial for upcoming generations. Alongside of the Parks and Recreation board, Erik has been a steadfast volunteer and board member for the Scott County Softball Club since 2004, humbly accepting the position as League President in 2010. He loves the sport and supporting all of the young athletes.

Franklin H. Farris

Job Titles:
  • Member of the Board of Directors
  • Owner / Farris Advisory Services LLC

Gerrie Clark

Job Titles:
  • Member of the Private Wealth Services Team
  • Vice President, Private Wealth Services
  • Vice President, Senior Wealth Advisor
Gerrie began her career with CTIC's Wealth and Trust Management family in 2011. She has worked in administration of personal trusts, IRAs and estates since 1983. Prior to joining WTM, Gerrie was an Assistant Vice President at BB&T in Pikeville, KY for 21 years. She also worked with the Bank of Mingo in Naugatuck, WV for 7 years. In 1983, Gerrie graduated from Southern West Virginia Community College with an A.S. in business accounting. In 1990, she earned her A.S. in general business with an emphasis in banking and finance and in 2003, she graduated from the College for Financial Planning with the designation of Financial Paraplanner Qualified Professional (FPQP). Gerrie also earned her Certified Trust and Fiduciary Advisor (CTFA) designation in 2013. Gerrie is very active in the community and is a Board Member of the Appalachian Society for Prevention of Cruelty to Animals, Coats For Kids Foundation, Inc., Pikeville Community Foundation, Pikeville Rotary Club, The Roop Family Foundation, and The Appalachian Center for the Arts. She is the past President of the Pikeville Rotary Club and a former Board Member of the Pike County Chamber of Commerce. Gerrie volunteers her time to support the Coats for Kids Foundation, Pikeville Rotary Club, and Appalachian SPCA. Gerrie grew up in Kermit, WV and has lived in Pikeville, KY since 2004. She is married and has three miniature schnauzers. She enjoys photography, cooking, college basketball (Go Cats!) and fantasy football.

H. Trigg Mitchell

Job Titles:
  • Member of the Private Wealth Services Team
  • Vice President, Private Wealth Services - Salmon P. Chase College of Law
  • Vice President, Senior Wealth Advisor
  • VP, Private Wealth Services - University of Denver
Trigg joined CTIC's Wealth and Trust Management family in 2017 as Vice President of Private Wealth Services. Prior to joining WTM, Trigg was a practicing attorney with an emphasis in estate planning and corporate transaction and more recently, a financial advisor at a personal financial services firm. Trigg earned his Bachelor's of Science degree in Accounting from the University of Kentucky, his Juris Doctor from the Salmon P. Chase College of Law in Highland Heights, KY and his Master of Laws in Taxation from the University of Denver in Denver, CO. He is currently a Board Member for Appalachian Regional Healthcare Foundation for Healthier Communities. Trigg grew up in Hazard, KY and currently resides in Lexington, KY. He enjoys spending time with his two daughters and goldendoodle, golfing, UK sports, and Keeneland.

James E. McGhee II

Job Titles:
  • Member of the Board of Directors
  • President / Three JC Investments, LLC / Pikeville, KY

Janae Wilson

Job Titles:
  • Compliance Analyst
  • Member of the Operations and Compliance Team
Janae joined CTIC's Wealth and Trust Management family in 2019. As Compliance Analyst, she is responsible for performing compliance duties such as testing and monitoring, as well as Bank Secrecy Act functions. Janae earned her Bachelor's of Business Administration degree from Eastern Kentucky University in Richmond, KY. Prior to joining WTM, she worked as a teller at Community Trust Bank. Janae was born in Richmond, VA and currently resides in Richmond, KY. In her spare time, she enjoys spending time with her son, cooking, and being outdoors.

Jason L. Lee - SVP

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Member of the Private Wealth Services Team
  • Senior Vice President
  • Senior Vice President Director of Private Wealth Services
  • Senior Vice President, Director of Private Wealth Services - University of Kentucky College of Law
Jason joined CTIC's Wealth and Trust Management family in 2019 as Senior Vice President and Director of Private Wealth Services. In his role, Jason is responsible for directing the Private Wealth Services team, as well as administering key client relationships. With more than fifteen years of experience, Jason has held positions as a Chief Financial Officer, Estate Planning and Tax Attorney, and a Trust Specialist. Jason graduated from California State University with a Bachelor's of Science degree in Accounting. He proceeded to earn his Juris Doctor degree from the University of Kentucky College of Law. In addition, he is a Certified Public Accountant. Jason grew up in Roseville, CA and currently resides in Lexington, KY. In his spare time, he enjoys golfing, cycling and skiing.

Jeffrey S. Thomison

Job Titles:
  • Senior Vice President, Director of Equity Management
Jeff joined CTIC's Wealth and Trust Management family in 2018. As Senior Vice President and Director of Equity Management, he is responsible for managing the overall equity strategy, including assessing market trends and analyzing individual securities and funds. He also manages individual portfolios according to our clients' objectives. Prior to joining WTM, Jeff was a Senior Vice President and Senior Equity Analyst at Hilliard Lyons in Louisville, KY. With over 35 years of experience, Mr. Thomison has gained regional and national attention for his credentials. He has been featured in publications such as Ticker, BuySide, and Wall Street Transcript and has appeared on CNBC and Bloomberg TV. He is also a 4-time winner of Wall Street Journal's Best on the Street national stock picking award. Jeff graduated from the University of Kentucky with a Bachelor's of Business Administration degree in finance and a minor in mathematics. He also holds the Chartered Financial Analyst® designation. Jeff grew up in Madisonville, KY and currently resides in Nicholasville, KY. He is actively involved in the community and enjoys supporting his favorite sports teams, visiting thoroughbred racetracks, and spending time with his wife and four adult children.

Jill Gerlach

Job Titles:
  • Member of the Business Development Team
  • Sales & Marketing Director
Jill joined CTIC's Wealth and Trust Management (WTM) team in 2021. She is responsible for generating unique marketing strategies for CTIC's services and sales plans, creating engaging advertisements, emails and promotional literature, and meeting marketing and sales objectives. Jill has more than twenty four years of experience in marketing, advertising, communications, and event management. She earned her Bachelor's of science degree in communications and a minor in marketing from Kennesaw State University. Jill grew up in the suburbs of Atlanta, GA and currently resides in Central Kentucky. In her spare time, she enjoys traveling, running, and boating.

Kathleen (Kat) Norton

Job Titles:
  • Member of the Operations and Compliance Team
  • Operations Specialist
Kat joined the CTIC family in 2023. As an Operations Specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities. Kat is originally from Lexington, KY and still resides there today. In her free time, she enjoys refinishing and flipping furniture and creating t-shirts and stickers.

Keren Salehi - VP

Job Titles:
  • Compliance Officer
  • Member of the Operations and Compliance Team
  • Vice President
  • Board Member of Kentucky CancerLink
  • Vice President, Compliance
A Certified Employee Benefit Specialist® (CEBS®) is a professional designation given by the International Foundation of Employee Benefit Plans, a partner of the Wharton School of Business at University of Pennsylvania. A candidate must pass numerous courses and exams covering areas such as group benefits management, asset management, compensation management, and tax and estate planning. Keren joined CTIC's Wealth and Trust Management family in 2018 as Vice President, Compliance Officer. Before joining WTM, Keren was a Financial Institutions Examiner for the Kentucky Department of Financial Institutions. Keren's specialties in the compliance field are the Bank Secrecy Act and anti-money laundering, and she holds designations as a Certified Anti-Money Laundering Specialist (CAMS) and Certified Fiduciary Investment Risk Specialist (CFIRS®). She graduated from Midway College in Midway, KY with a business administration degree in accounting. Keren is a Board Member of Kentucky CancerLink and the Treasurer of Julius Marks Elementary PTA board. She grew up in Lexington, KY and currently resides there today. In her spare time, Keren enjoys reading, being outdoors, and spending time with her family.

Kinlee Kellione

Job Titles:
  • Client Service Administrator
Kinlee Kellione joined the CTIC family in 2022 as an Administrative Assistant and was promoted to a Client Service Administrator in 2023. As a Client Service Administrator, Kinlee is responsible for supporting wealth advisors in our Private Wealth Services department as well as facilitating administrative duties on our client accounts.

Makayla Raisor

Job Titles:
  • Client Service Administrator
  • CTIC 's Wealth and Trust Management ( WTM ) Team in 2024 As a Client Services Administrator
Makayla joined CTIC's Wealth and Trust Management (WTM) team in 2024 as a Client Services Administrator. She is responsible for supporting the wealth advisors in our Private Wealth Services department as well as facilitating administrative duties on our client accounts. Prior to joining CTIC, Makayla worked at Community Trust Bancorp as a bank teller and eventually transitioned to a Commercial Loan Officers Assistant. Makayla is currently pursuing an Associates in Business Administration from Campbellsville University. She grew up in and still resides in Harrodsburg, KY. In her spare time she enjoys spending time with her family, exercising, and watching UK sports with her husband.

Matthew R. Galbraith

Job Titles:
  • Member of the Business Development Team
  • Officer
  • Vice President, Business Development
Matt has more than 18 years of experience in the banking industry, 16 of which are in the wealth management industry. He has a Bachelor's of Business Administration degree in finance from the University of Kentucky and serves as a Co-Vice Chairman of the One Parent Scholar House.

Mr. Mark A. Gooch

Job Titles:
  • Investor Relations Contact
  • Member of the Board of Directors
  • CEO and Vice Chairman / Community Trust Bancorp, Inc.

Nicole Lanza

Job Titles:
  • Member of the Operations and Compliance Team
  • Operations Specialist
Nicole joined the CTIC family in 2022. As an Operations Specialist, she is responsible for all aspects of securities and operations such as income processing, capital actions, principal pay-downs and transfer of securities. Nicole earned her Bachelor's of University Studies with a focus in Finance and a minor in general business from Morehead State University. Prior to joining CTIC, Nicole was a recruiter with GEODIS and a contact center specialist with Member Heritage Credit Union. Nicole is originally from Staten Island, NY and currently resides in Lexington, KY. In her free time, she enjoys cooking, hiking and traveling.

Nicole Record

Job Titles:
  • Member of the Private Wealth Services Team
  • Assistant Vice President / Wealth Advisor
  • AVP, Wealth Advisor, Private Wealth Services - University of Louisville
Nicole joined CTIC's Wealth and Trust Management family in 2019. In her role, she is responsible for overseeing client relationships, administering trusts and assisting with legacy planning. Prior to joining WTM, Nicole was the President of New Markets Tax Credits at Community Ventures. She has also held positions as a Senior Portfolio Analyst and a Senior Accountant. Nicole graduated from Georgetown College with a Bachelor's of Science degree. She also earned her Masters of Accountancy from the University of Louisville. Nicole grew up in Danville, KY and currently resides there today. In her spare time, she enjoys traveling, being outdoors, and spending time with friends and family.

Nikki Warford-Parker - VP

Job Titles:
  • Relationship Manager
  • Vice President
  • Vice President, Retirement / Institutional Services

Patricia (Patti) Slattery

Job Titles:
  • Executive Assistant
  • Member of the Management & Administrative Team
Patti joined the CTIC family in 2023 as an Executive Assistant to the President and CEO. She graduated from Western Michigan University with a Bachelor's in Social Work. Patti brings extensive experience from various industries she's worked in over the years as an Executive Assistant and meeting planner. Patti is originally from Detroit, Michigan but has also lived in Connecticut, Tennessee and Ohio. She currently resides in Lexington and enjoys her spare time by reading, hiking and traveling.

R. Christopher Meng

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Senior Vice President, Director of Investment Management Group
  • Senior VP, Director of Investment Management Group - the Ohio State University
Chris began his career with CTIC's Wealth and Trust Management team in 2009. As Senior Vice President and the Director of the Investment Management, he is responsible for the oversight of our investment department. Chris has over 36 years of investment experience. Chris graduated Cum Laude from Marietta College with a B.A. in finance. In 1988, he graduated from The Ohio State University's MBA program and in 1996, he became a Chartered Financial Analyst®. Chris is active in the community and is involved in fundraisers for many local charities. He is currently a Board Member of the Lexington Ballet Company. Chris grew up in Northport, NY, raised his family in Cincinnati, OH, and moved to Lexington in 2009. In his free time, he enjoys spending time with his three daughters, traveling, and culinary experiences.

Rachel Zaininger

Job Titles:
  • Portfolio Manager
  • CTIC 's Wealth and Trust Management ( WTM ) Team in 2022 As an Investment Analyst
Rachel joined CTIC's Wealth and Trust Management (WTM) team in 2022 as an Investment Analyst and was promoted to Portfolio Manager in 2024. In her role, she is responsible for analyzing individual securities and the overall market for potential investment opportunities, managing client portfolios, and assisting in security trading. Rachel also serves on our trust investment committee Rachel graduated Summa Cum Laude from Western Kentucky University with a bachelor's in business finance and a certificate in applied data analytics in 2022. Prior to joining WTM, Rachel worked with CIBC Private Wealth in Chicago, Illinois as an equity research analyst intern and managed an equity portfolio for Tennessee Valley Authority as a part of their university investment challenge program. Rachel is originally from Aurora, Illinois and currently resides in Versailles, Kentucky. She enjoys reading, nature photography, salsa dancing, and rooting on the McLaren Formula 1 team in her free time.

Ricka Ratliff

Job Titles:
  • Member of the Private Wealth Services Team
  • Client Service Administrator
Ricka joined CTIC's Wealth & Trust Management family in 2016. Prior to joining WTM, Ricka worked as a deputy clerk at the Pike County Clerk's office. She graduated from the University of Pikeville with a degree in Business Administration. Ricka is responsible for supporting wealth advisors in our Private Wealth Services department as well as facilitating administrative duties on our client accounts. Ricka grew up in Pikeville, KY and still resides there today. She enjoys spending time with her family, reading, shopping, and watching soccer.

Rob Shepherd

Job Titles:
  • Financial Consultant
  • Member of the Executive Committee
Rob has been working in the financial industry for many years. He is proud of the fact that he has helped hundreds of people in Eastern Kentucky with their financial goals since 2005. Rob was born in Floyd County Kentucky. He graduated from Morehead State University with a Bachelor's Degree in Business Administration in 1991. He then went to work with an IBM Business Partner until 2005. In 2006, Rob decided to establish himself in the financial services industry as he went to work for Edward Jones Investments. Rob became a part of the Community Trust Financial Services team in August of 2019. He enjoys working with the people of Eastern Kentucky. Rob says, "I have developed many close relationships with clients over the years and I look forward to more of the same." Rob really enjoys spending time with his family. He married his wife, Marina, in 1993. They have two daughters, Summer and Haley. Both of his daughters are pursuing careers in the medical field.

Robert B. Stadelman

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Member of the Private Wealth Services Team
  • Senior Vice President, Director of Fiduciary Services
Bob began his career with CTIC's Wealth and Trust Management team in 2005 and became Senior Vice President in 2011. In 2019, Bob expanded his role and was appointed to Director of Fiduciary Services. Bob has worked in administration of personal trusts, IRAs and estates since 1981. Prior to joining WTM, Bob was Vice President, Wealth Management Consultant for U.S. Bank. He has also worked for The Agency, Inc., Republic New York Trust Company of Florida, Republic National Bank of New York, and Manufacturers Hanover Trust Company. Bob graduated from the University of Kentucky and is a Certified Trust and Fiduciary Advisor (CTFA). Bob is active in the community and currently serves as a Director for the Central Kentucky Youth Orchestras.

Roger K. Smith

Job Titles:
  • Member of the Business Development Team
  • Officer
  • Vice President, Business Development
  • Team Member
  • VP, Business Development - University of the Cumberlands
A Certified Public Accountant (CPA) is a professional license administered by the American Institute of Certified Public Accountants (AICPA). The CPA license is the accounting industry's highest standard of competence, a symbol of achievement and assurance of quality. In order to receive their license, candidates must pass the Uniform CPA Examination, which is comprised of four sections. They must pass all four sections within an 18 month period. In Kentucky, candidates must have one year of qualified work experience and a Bachelor's degree with relative hours in accounting. In order to maintain their license, professionals must complete 60-80 hours of continuing education every year. They must also adhere to a code of ethics. Roger joined CTIC's Wealth and Trust Management family in 2019 as Vice President, Business Development Officer. As a key member of the Business Development team, he is responsible for initiating new relationships with high net worth individuals and institutions in the Eastern region. He works with prospects and new clients of WTM's team and also initiates relationships with external partners such as CPAs, attorneys and other individuals that enhance our business development efforts. Roger has more than twenty years of experience in the wealth management industry. Prior to joining WTM, he was a Financial Consultant for Community Trust Financial Services, CTIC's other business unit. He is a Certified Financial Planner®, Chartered Financial Consultant®, and a Chartered Life Underwriter®. Roger earned his Bachelor's of Universal Studies degree in business from Morehead State University. He also earned his Masters of Business Administration from the University of the Cumberlands. Roger grew up in Letcher, KY and currently resides in Pikeville, KY with his family. In his spare time, he enjoys golfing, reading, traveling, and walking.

Sabrina Lequire

Job Titles:
  • Member of the Private Wealth Services Team
  • Assistant Vice President, Wealth Advisor
  • AVP, Wealth Advisor, Private Wealth Services - Sullivan University, Morehead State University
Sabrina joined CTIC's Wealth and Trust Management family in August 2020. In her role, she is responsible for maintaining relationships with clients, administering trusts and assisting with legacy planning. Prior to joining WTM, Sabrina worked for Community Trust Bank as a Loan Officer and an Internal Auditor. She was also a retail business owner for several years. Sabrina graduated from Sullivan University with a Bachelor's degree in business management and administration. She has also obtained Master's degrees from both Sullivan University and Morehead State University. In addition, Sabrina has completed rigorous financial programs from the Kentucky Banker's Association and the Southern Trust School. Sabrina grew up in Banner, KY and currently lives there today. In her spare time, she enjoys traveling, cooking, being outdoors, and spending time with her family. A Chartered Life Underwriter® (CLU®) is a professional designation administered by The American College of Financial Services. The designation is for individuals who wish to specialize in life insurance and estate planning. To receive the CLU® designation, candidates must successfully complete eight courses and exams, meet experience requirements and ethics standards and agree to comply with The American College Code of Ethics and Procedures. To maintain their certification status, they must complete 30 hours of continuing education every year.

Sandy Combs

Job Titles:
  • Member of the CTIC Trust Executive Committee
  • Member of the Operations and Compliance Team
  • Senior Vice President, Director of Operations and Compliance
Sandy rejoined CTIC's Wealth and Trust Management family in 2018 as Senior Vice President and Director of Operations and Compliance. Sandy originally joined WTM in 1995. She has previously held positions at Liberty National Bank (now J.P. Morgan Chase) and Central Bank.

Sandy Ruby - VP

Job Titles:
  • Member of the Operations and Compliance Team
  • Vice President
  • Vice President, Trust Operations Manager
Sandy joined CTIC's Wealth and Trust Management family in 2002 and has worked in operations ever since. As Vice President, Trust Operations Manager, her responsibilities include oversight of all operational aspects of Wealth & Trust Management. Sandy attended California State University, Northridge and the University of Kentucky and she holds designations as a Certified Fiduciary and Investment Risk Specialist® (CFIRS®) and a Certified Trust Operations Professional®(CTOP®). After growing up in Los Angeles, CA, Sandy now resides with her family in Versailles, KY. In her spare time, she enjoys working on home improvement projects.

Sumer Miller - VP

Job Titles:
  • Portfolio Manager
  • Vice President
Sumer joined CTIC's Wealth and Trust Management family in 2018 as an Investment Analyst and trader and was promoted to Vice President and Portfolio Manager in 2024. In her role, Sumer is responsible for the research and selection of equity securities, contributing to the development of equity strategies and managing individual client portfolios.

Tammy R. Provost - VP

Job Titles:
  • Portfolio Manager
  • Vice President
  • VP, Portfolio Manager - University of Kentucky
Tammy began her career with CTIC's Wealth and Trust Management team in 2000. As Vice President, Portfolio Manager, she is responsible for the research and selection of tax-exempt municipal securities, investment process and management. In addition, she manages individual client portfolios. Tammy has over 25 years of experience in the financial services industry. Prior to joining WTM, Tammy was an Asset Specialist with ABM Amro Bank in Chicago, IL. She also taught business in Russia and Kazakhstan for two years. She earned her Master's of Science degree in economics from the University of Kentucky and her Bachelor's of Science degree in business administration from the University of Tennessee, Martin. Tammy is originally from Mayfield, KY but has lived all over and currently resides in Lexington, KY. She is married and is a passionate fan of any UK sport. She enjoys singing in the Tates Creek Presbyterian Church choir, participating in 5/10ks, traveling, listening to podcasts, and spending time with her friends, family, and dog, Jake.

Taylor Curtis

Job Titles:
  • Member of the Private Wealth Services Team
  • Vice President, Senior Wealth Advisor
Taylor joined CTIC's Wealth and Trust Management family in 2016. In 2017, she was promoted to Portfolio Manager and in 2019, she was promoted to Assistant Vice President. In 2021 Taylor joined the Private Wealth Services team. In her role, she is responsible for maintaining relationships with clients, administering trusts and assisting with legacy planning. Taylor graduated from Western Kentucky University in Bowling Green, KY with a Bachelor's of Science degree in finance and a minor in economics. Prior to joining WTM, she worked as a Financial Advisor for Quinn Financial Partners in Nashville, TN. Taylor is originally from Lexington, KY and currently resides in Winchester, KY. In her free time, she enjoys traveling, boating, hiking, and visiting National Parks. A Chartered Financial Consultant® (ChFC®) is a professional designation administered by The American College of Financial Services. The designation represents a thorough knowledge of the essentials of financial planning, including insurance, income taxation, retirement planning, investments and estate planning. To receive the ChFC® designation, candidates must have a minimum of three years of full-time, relevant experience within the previous five years, take eight courses issued by the American College of Financial Services that cover investment and retirement planning, insurance planning and financial planning process, pass eight proctored exams, and maintain a minimum of 30 continued education credits every two years.

Tim Little

Job Titles:
  • Member of the Private Wealth Services Team
  • Assistant Vice President, Wealth Advisor
Tim joined CTIC's Wealth & Trust Management family in 2022 as an Assistant Vice President, Wealth Advisor. His responsibilities include maintaining relationships with clients, administering trusts and assisting with legacy planning. Prior to joining WTM, Tim worked for BB&T/Truist for 17 years where he began his career as a Bank Teller and obtained increased responsibilities throughout the years to become a Market Leader. Tim graduated from the University of Kentucky with a Bachelor's of Business Administration with a concentration in Finance. Tim grew up in Virgie, KY where he remains living today. In his spare time, he enjoys spending time with his wife and children, watching/playing sports, and listening to music.

Todd Hargis

Job Titles:
  • Member of the Executive Committee

Trevor Smith

Job Titles:
  • Member of the Private Wealth Services Team
  • Junior Wealth Advisor
  • Junior Wealth Advisor, Private Wealth Services - University of Kentucky
Trevor Smith joined CTIC's Wealth & Trust Management (WTM) family in 2024 as a Junior Wealth Advisor. He's responsible for providing quality service to assigned accounts and maintaining ongoing relationships with clients, beneficiaries and related professionals connected with those accounts. He also assists Wealth Advisors with account management and financial planning. Prior to joining WTM, Trevor worked as a private real estate investor. Trevor holds a Bachelor's of Business Administration degree in Management as well as a Master's of Science degree in Finance from the University of Kentucky (UK). He also earned a Certificate of Financial Planning while attending UK. Trevor grew up in London, KY and currently resides in Pikeville, KY. In his spare time, he enjoys spending time on the lake, fishing, gaming, trivia and watching movies.

Will Blythe

Job Titles:
  • Member of the Private Wealth Services Team
  • Junior Wealth Advisor
William (Will) Blythe joined CTIC's Wealth & Trust Management family in 2024 as a Junior Wealth Advisor. His responsibilities include providing quality service to assigned accounts and maintaining ongoing relationships with clients, beneficiaries and related professionals connected with those accounts. He's also responsible for assisting Wealth Advisors with account management including financial planning. Will graduated from the University of Kentucky with a Bachelor's of Business Administration with a concentration in Finance. He grew up in Louisville, KY and now resides in Lexington, KY. In his spare time, he enjoys watching UK football and basketball, visiting Keeneland to watch the horse races, playing golf and spending time with his family and friends.

Will G. Davis - VP

Job Titles:
  • Member of the Business Development Team
  • Member of the Private Wealth Services Team
  • Vice President
  • Vice President, Business Development Officer / Wealth Advisor
  • Vice President, Private Wealth Services
  • Vice President, Wealth Advisor / Business Development Officer
  • VP, Private Wealth Services - Morehead State University
Will joined CTIC's Wealth and Trust Management family in 2017. He is responsible for initiating new relationships in the South Central region as well as serving clients as a Wealth Advisor. Will earned a Bachelor's of Business Administration degree in accounting and a Master's degree from Morehead State University in Morehead, KY. He is a licensed CERTIFIED FINANCIAL PLANNER™, Qualified Plan Financial Consultant, and an Accredited Investment Fiduciary®. Will is actively involved with Junior Achievement and is a member of the Financial Planning Association and the Bluegrass Estate Planning Council. Will grew up in Harrodsburg, KY and currently resides in Danville, KY with his wife and daughter. In his free time, he enjoys spending time with his family, playing golf, and watching the Kentucky Wildcats.