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.

Brian Allen | Lead and Prospect Manager

Brian Allen joined Retirement Specialty Group March 15th, 2016. 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 23 years of marriage to Mary Dee in 2018. They have one son, Jesse, who is 16. 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.

Timothy Tubbs | Financial Advisor

Timothy Tubbs grew up in East Tennessee and Central Virginia. He served his country in the United States Air Force for 6 years as a C-17 Loadmaster. Serving his country allowed him to see the world, traveling to 29 countries and six different continents.

He has been in the financial industry for more than 5 years, working as a licensed financial advisor and a branch manager at a national bank. He's made a name for himself in those 5 years as a professional that listens to the clients needs and recommends advice based off of those specific and unique needs. Timothy has a Tennessee Life Insurance license along with a Series 7 and Series 66 license.

He has a Bachelor of Arts Degree from Ashford University in US History and a Graduate degree from American Public University in US History with a focus on the Civil War.

Timothy has been married for 16 years and has two beautiful daughters. They enjoy playing sports and being outdoors together.  


Aaron Wright | Financial Advisor

Aaron Wright was born and raised in Tennessee.  His working career started out in a factory then as a corrections officer for two years.  He knew there was more to life than what he was doing.  Aaron not only wanted a better career path but also had a sincere desire to help people in the same way as his father, so he made the move and began working for RSG in 2012.
Aaron attended Nashville State Community College and is securities (fiduciary) licensed.  Since working with RSG, Aaron has helped many clients move their retirement assets out of risk, which he considers a personal achievement.  

Aaron and his wife Crystal have two children: Aaden and Lily Ann.  They reside in Cookeville, TN.  When he's not working, Aaron enjoys Tennessee Titan football games, fishing on his family's farm and spending time with his family.  


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!

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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

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Corporate Office:

1125 Perimeter Park Drive, Ste. 301
Cookeville, TN 38501
PH: 931-RETIRED (738-4733)
Fax: 931-837-4705
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Knoxville Office:

9080 Barbee Lane, Ste. 104B
Knoxville, TN 37923
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Chattanooga Office:

2158 Northgate Park Lane, Ste 235
Chattanooga, TN 37415
(423) 591-5619
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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 and Timothy Tubbs offer 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.