• Joe AyresPresident & CEOMr. Ayres, a graduate of the University of Tennessee with a Bachelor of Science degree in Finance, joined Cumberland in 1982. Over the last 30 years, he has served as an investment banker and financial advisor to municipalities, counties, hospitals, utilities and authorities throughout the Southeast. He specializes in the municipal public finance area and is active in the structuring and sale of both... continue Reading +
  • Scott GibsonSenior Vice PresidentMr. Gibson is a graduate of the University of Tennessee with Bachelor of Science degrees in Finance and Accounting and a Master of Business Administration (MBA) in Finance and begin his investment banking career in 1995. Mr. Gibson has helped coordinate the preparation of debt financing timetables, municipal financing options, Official Statements and the development of presentations of financial plans and... continue Reading +
  • Chris BesslerSenior Vice PresidentMr. Bessler, a graduate of the University of Tennessee with a Bachelor of Science degree in Finance, joined Cumberland in 1999. During this time, he has been responsible in the structuring and sale of both revenue and general obligation issues for the firm. Mr. Bessler has worked on hundreds of financings for many different types of bonds ranging from hospitals, schools, current and advance refundings,... continue Reading +
  • John WernerVice PresidentMr. Werner is the former Chief Financial Officer for Knox County. In that capacity he was responsible for Knox County’s financial basis including oversight in its daily operations, central accounting and frequently had the occasion to work with the General Assembly, state constitutional officers and local officials to bring about creative solutions to local finance and affirm the strong financial... continue Reading +
  • Joseph Ayres Jr.Vice PresidentMr. Ayres, a graduate of the University of Tennessee with a Bachelor of Science degree in Finance, joined Cumberland in 2013. As a new member of the Cumberland Securities team, Mr. Ayres assists with preparation of financial reports, preliminary and official statements, and other analytical duties. Mr. Ayres was a 5-year member of the University of Tennessee Volunteer football team, lettering and playing... continue Reading +
  • Gretchen PelhamAdministrative AssistantMs. Pelham, a graduate of the University of Kentucky with a Bachelor of Science degree in Animal Science, joined Cumberland in 2002. She has been responsible for the Continuing Disclosure Department for the firm since 2003, keeping track of over 150 municipal clients and their Disclosure filings each year. She assists with the municipal bond documents and sales for a wide range of clients. Ms. Pelham is... continue Reading +
  • Tiffany DeanAdministrative AssistantTiffany graduated from the University of TN with a Bachelor of Science degree in Logistics and Transportation with a collateral in International Business. She joined Cumberland in May 2014, to assist the FA’s with admin work on Bond Sales. Before coming here, Tiffany was Operations Manager for a large document destruction company, where she oversaw 7 territories and spent time reworking processes,... continue Reading +