Serving Pulaski and Spring Hill. 

112 South Second Street
Pulaski, TN 38478
United States
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Charlotte Martin


Charlotte & Brenda joined NettWorth Financial Group in 2009. Working with NettWorth allowed them to begin working with union members. They enjoy working with the members and helping to educate them on how retirement will impact them financially, as well as personally.  Charlotte & Brenda educate members on retirement topics through NettWorth University courses, other seminars, and Retirement Transitions guides, a comprehensive retirement planning process.

Charlotte is a native of Pulaski, Tennessee. She became a career agent for Equitable Life Assurance in 1986. Charlotte received her LUTCF designation in 1994. Group and individual health, life, disability, and retirement planning are among the products Charlotte has in her portfolio.

Charlotte’s goal is to help her clients prioritize their wants, needs, and goals.  She provides her clients with comprehensive planning and customizes strategies to accommodate each client’s unique situation. By understanding her client’s goals and values, Charlotte provides direction and solutions necessary for achieving a sense of security.

Charlotte and her husband Ron have been married for 41 years. They enjoy their pets, reading, and caring for their farm just outside of Pulaski. Charlotte is an accomplished artist and enjoys bringing portraits alive on canvas.

Brenda Speer

Brenda S. Speer, CFP®, ChFC®, CLU®  

Brenda is a locally recognized financial advisor and partner in Professional Benefit Solutions, LLC anda memeber of NettWorth Financial Group.  Her professional career has spanned over 35 years where she has helped hundreds of clients maximize their Social Security Benefits by simply understanding the rules and coordinating them with a comprehensive retirement income plan. In addition, she also specializes in helping individuals, couples, and families develop and execute financial strategies and make smart financial decisions that align with other domains of their lives. 

Brenda is a graduate of the University of Tennessee, receiving a Bachelor’s of Science degree in Finance and Banking.  She received her Certified Financial Planning certificate from Belmont College in 2003 and her Certified Financial Planner Designation from the Certified Financial Planner Board of Standards in 2004. In addition, she has also earned her Chartered Life Underwriter and Chartered Financial Consultant designations from The American College.  Her professional organizations include the National Association of Insurance and Financial Advisors and the Financial Services Institute.  

Brenda’s hobbies include fox hunting, traveling, painting, gardening and reading. Although Brenda enjoys traveling she has a love for her home town of Pulaski and Giles County, where she and her husband of 32 years, Dan, reside. She has served on numerous community boards, and she presently serves as a trustee for the Giles County Public Library.



Jeannette Sheets*

Administrative Assistant






* Is not registered with FSC Securities Corporation