About Us

We've built our firm on lifelong relationships rooted in performance and trust.

Our Team

As the old saying goes “There’s No I in Team,” and at Retirement Specialty Group, it’s never been more evident. Our staff works together to inform prospective clients on retirement options, to help current clients make retirement decisions, and to maintain accounts accurately and confidentially.

Genelle Thomas | Licensed Agent

Genelle Thomas

has spent all of her life in southern IL in a small, farming community until recently when her and her husband, Rick moved to Fairfield Glade, TN.  Genelle spent her 30+ business career working as an accountant for a CPA firm in St. Louis, MO, and as an Account Executive at a toll processing steel company in her home town of Red Bud, IL.  When the Lord led them to TN, a change in careers was part of His plan as well.  Genelle is a licensed insurance agent and preparing for her Series 65 Exam.

Genelle and her husband Rick have been married for almost 18 years, and blessed with a blended family of four children, and five grandchildren.  

Making memories is one of Genelle's favorite things to do.  Being with family and friends, traveling and nature are top hobbies.  After making memories, Genelle loves preserving them!  Her indoor hobby is album making, and in the last 16 years, she has had the "fun" job of owning a scrapbooking business where she has taught people of all ages how to traditionally and digitally preserve their families memories in albums.

Brian Allen | Lead and Prospect Manager

Brian Allen is the newest member of RSG. Brian is our lead and prospect manager, which is the backbone to helping agents with daily operations. He brings more than 10 years of sales experience with him, with the last four years being in the medical and research field. With his past sales experience, he has learned that relationships, trust and following your clients’ interests are key to helping them with future growth.

Born and raised in Cookeville, Tennessee, he grew up as the youngest of five. Brian celebrated 20 years of marriage to Mary Dee in 2015. They have one son, Jesse, who is 13. They attend church at Jefferson Ave. Church of Christ in Cookeville.

When not working, you will find Brian at the family farm or riding dirt bikes somewhere. Also, as of last year, he has added frequent camping trips with family and friends to his list of interests.

Phyllis Howard | Client Service/Transfer Specialist

Phyllis Howard joined Retirement Specialty Group in March, 2015. With an extensive background in Benefits Administration and Supervision as well as Marketing and Office Management, she brings strong organizational as well as personable skills to the Retirement Specialty Group team.

Phyllis has a strong work ethic and strives to do everything with excellence and integrity in every area of her life. As Operations Manager, Client Service/Transfer Specialist, Phyllis manages and maintains the Back Office of RSG. She is committed to ensuring all client paperwork for each account is completed accurately and in a timely manner, taking special care to maintain confidentiality while meeting client needs. In order to increase her knowledge of the market and to serve Retirement Specialty Group clients more effectively, she is currently pursuing her Life and Securities licensing.

Phyllis was born and raised in Cookeville, Tennessee. She attended Tennessee Tech University and Middle Tennessee State University majoring in Early Childhood Development. She and her husband, Ted, have 2 sons and 4 grandchildren. They live in Sparta, Tennessee on a farm where Phyllis helps Ted raise Black Angus/Polled Herford beef cattle and two miniature donkeys.

Phyllis and Ted are active in teaching of the Word at home and abroad. They are extremely committed to their family and have a desire to see everyone meet their potential in life.

When not “working”, Phyllis enjoys hiking, camping, and road trips to anywhere she has never been.

Todd H. Pence, IAR | Financial Advisor

Todd Pence , Investment Adviser Representative, has always had a passion for helping educate and enable people to understand critically important issues for both day-to-day well-being as well as “bigger picture” situations and relationships. For Todd, serving as a financial advisor with Retirement Specialty Group, Inc. is the perfect way to fulfill this passion and help others find perspective on their lives and work to gain confidence in their financial future.

Todd graduated with a Bachelor of Arts in Religion from MidAmerica Nazarene University in Olathe, Kansas, fulfilling the calling to religious education he sensed from the age of 12 when he taught adults in Sunday school. Later, to better understand how people learn and form their views of the world and their places in it, he earned his Master of Education in Adult Education from the University of Georgia, Athens.

However, shortly after beginning his religious education, Todd worked in banking to supplement his income and developed an intense curiosity about economics and finance. He borrowed textbooks from the college library and read everything he could find on economic issues and problems. As an Investment Adviser Representative for Retirement Specialty Group, Inc., he is fulfilling his strong desire to help individuals and their families gain understanding and clarity about the financial issues that help bring stability and long-term well-being.

Todd spent 18 years in the banking industry and 12 as a religious educator. In addition to his work with RSG, he is a supervisor at the Amazon Fulfillment Center in Chattanooga, Tennessee. He lives in Dalton, Georgia, with his wife, Caroline, a social work program manager, his two sons, ages 18 and 14, and their best friend Otis – the family dog.

Sindy Hankins | Administrative Assistant

As our team's administrative assistant, Sindy supports the rest of the staff and helps keep things running smoothly. She graduated from San Jose State University in San Jose, California with a B.S. in Marketing. Her professional background is in office administration and marketing communications.

She and her husband Nick live in Cookeville and enjoy hiking, paddling, reading, traveling, exploring local festivals and events, and finding cool new places to eat. 


Strategies for Financial Independence

To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at info@retirementspecialtygroup.com or call us at 931-RETIRED (738-4733) today!

Ask a Question and we may use it on TV or Radio

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

No-obligation Financial GPS Review and Complimentary Book Offer

Are you heading in the right direction? Fill out the form below to find out how you can receive a NO-OBLIGATION FINANCIAL REVIEW AND A COMPLIMENTARY COPY of Anthony’s book.


Corporate Office:

425 N Spring Street
Sparta, TN 38583     
Main: (931) 738-4733
Fax:  (931) 837-4705
Get Directions

Knoxville Office:

200 Prosperity Drive, STE 113
Knoxville, TN 37923
(865) 332-5893
Get Directions

Chattanooga Office:

6110 Shallowford Road
Chattanooga, TN 37421
(423) 591-5619
Get Directions

Fairfield Glade Office:

24 Peavine Plaza, STE 101
Crossville, TN 38558
931-RETIRED (738-4733)
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Privacy Policy | Terms of Use
We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Todd Pence offers investment advisory services through AE Wealth Management, LLC (AEWM). AEWM and Retirement Specialty Group are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Retirement Specialty Group, its agents, or representatives is stated or implied.