Broker Check


Jack C. Garland, CLU, LUTC


As a lifelong Memphian, Jack has over 50 years in the insurance industry, focusing on estate planning, retirement planning and group employee benefits.  He holds the designations of Chartered Life Underwriter and Life Underwriter Training Council. 

Jack began his career in insurance in 1960 with Lincoln American Life Insurance Company.  In 1985 when the company was bought out, Jack started his own agency, Jack C. Garland and Associates, LLC and operated until 2014 when he joined UCL Financial Group, LLC.  As a veteran of the industry, Jack focuses on the following areas:

Group Benefits:

  • Health, Dental and Vision
  • Life, Disability and Voluntary Employee Benefits
  • 401k plans

Individual Benefits:

  • Life
  • Disability
  • Long Term Care
  • Retirement planning

As a graduate from Whitehaven High School, Jack played football, baseball, basketball and ran track.  He's been married for over 65 years to his high school sweetheart and has two children and seven grandchildren.  

Elizabeth H. Hagan


  • Graduate, University of Mississippi
  • Experience since 1996 in meeting the needs of business owners and individuals on both the carrier and independent side
         of the industry. 
  • Executive and Employee Business Planning
        Corporate Group Health
        Corporate Group Life
        Corporate Group Disability
        Corporate Group Dental 
        Corporate Group Vision
        Voluntary Employee Benefits
        Executive Compensation 
        Executive Life Insurance Planning
        Executive Disability Protection
        • Individual Planning 
        Life Insurance
        Disability Income Insurance
        Long Term Care Insurance
        College and Retirement Planning
      • Health Care Reform
      • Business Owners Succession Planning:

        Buy-Sell Arrangements
        Key-Person Insurance  
        Member - National Association of Life Underwriters
        Member - National Association of Health Underwriters
        Alumni - Kappa Delta Sorority
        Vice President - Duntreath Park Homeowners Association


      Donna R. Hatcher, LUTCF


      • Graduate- Life Underwriter's Training Council Fellow - 1996
      • Member- National Association of Insurance and Financial Advisors
      • NAIFA- National Quality Award - 1998
      • 30 years experience in Financial Services  -Qualified in assisting business owners and individuals in the following areas:

      Executive and Employee Benefits:

      • Health, Dental and Vision Insurance
      • Life Insurance
      • Disability Income Insurance
      • Supplemental Insurance - Cancer, Accident, Critical Illness

      Retirement Planning:

      401k, IRAs, Qualified and Non-qualified Annuities


      Senior Planning:

      • Long Term Care Insurance
      • Medicare Supplements

      Health Care Reform:

      • Licensed and Certified to sell on and off the ACA Marketplace


      Sheryl J. Klehr-Ottinger, LUTCF


      Sheryl Klehr-Ottinger, LUTCF, has enjoyed over 20 years of service as a financial services professional providing services to individuals, professionals and business owners, in the area of retirement planning; succession planning; personal insurance; (including long term care insurance) and investment planning.  Sheryl focuses on designing innovative strategies for individuals to meet their life goals.

      "The foundation of insurance and financial planning is the creation and execution of a plan that is tailored for you, my valued client. My main objective is to help my clients achieve their goals and aspirations.  With time, care, knowledge and commitment, together we can reach these goals."

      Her Community Services include leadership of many worthwhile institutions including:

      • Board Member and Wish Granter for Memphis Make-A-Wish Foundation
      • Development Committee of The Rochester Area Chamber of Commerce
      • Fund Raising Chair of United Way
      • Outstanding Citizen of the Year recipient

      She has received several awards in her profession including:

      • National Quality Award
      • National Sales Achievement Award
      • Featured as a Role Model for Success of National Association of Insurance and Financial Advisors

      Sheryl is committed to giving back and supporting her industry and has:

      • Served as President of the Memphis Life Underwriters Association
      • Is A Life Underwriters Training Council Fellow
      • Past Qualifying and Life Member of The Million Dollar Round Table and
      • Member of the National Association of Insurance and Financial Advisors

      Sheryl is a Registered Representative of Ameritas Investment Corp., member FINRA/ SIPC, holds her series 6 and 63 licenses and is currently pursuing her Retirement Income Certified Professional, designation.

      Mark C. Miller, LUTCF


      26 years experience in financial services industry as a financial consultant, designing innovative strategies for individuals and business owners in:

      • Personal Insurance and Retirement Planning
      • Investment Planning
      • Business Succession Planning
      • Employee Benefits/Retirement Plans

      Member - National Association of Insurance & Financial Advisors

      Member - Tennessee Association of Insurance & Financial Advisors

      • Past Regional Vice President - West Tennessee Region
      • Named 2017 Insurance Professional of the Year

      Member - Memphis Association of Insurance & Financial Advisors

      • Current National Committeeman
      • Past President - Memphis Association

      Registered Representative/Investment Advisor Representative - Ameritas Investment Corporation (AIC)

      Past Board Member - Greater Memphis Insurance Council

      Fellowship Status - Life Underwriters Training Council

      NAIFA National Quality Award

      NAIFA National Sales Achievement Award

      Past Vice President - Immaculate Conception Booster Club

      Past Board Member - Harwood Center

      Member - Knights of Columbus (Holy Spirit Council)

      Board Member, Housing Fund Director - Tau Kappa Epsilon Fraternity (CBU Chapter)

      Past Board Member, Secretary - Crimestoppers of Memphis and Shelby County

      LeAn L. Ramsey


      Over 30 years of experience in insurance services and employee benefits industry.  Working with and for insurance carriers such as:

      • Blue Cross and Blue Shield of Memphis - Marketing Analyst
      • Aetna - Senior Account Management Representative - Servicing local and national accounts
      • Humana - Sales Representative

      She also has third party administration experience. 

      In 1998 she became a partner at Employee Benefits, a locally owned independent insurance brokerage focusing on employee and individual medical, life, disability, dental and Medicare supplement coverage's.  In 2008 she purchased the agency and became the sole owner of the business.

      LeAn joined UCL Financial Group, LLC in 2014 as an Independent Sales Representative giving her access to many additional carriers and sales opportunities for adding lines of insurance such as personal lines for life and disability coverage. 

      • Member of the National Association of Insurance and Financial Advisors.
      • ACA Certified for the Healthcare Marketplace.

      1984 Graduate from Freed Hardeman University - Bachelors Degree in Business Administration. 

      She and her husband, Stoney, are parents of three daughters.  She is a member of the Sycamore View Church of Christ.

      LeAn volunteers with local Memphis agencies such as HOPE Works.

      Rebecca Brown Schulter


      Rebecca graduated with Honors from New York University and began her career in New York City.

      As a native Memphian, she is pleased to be back living and working in her home city. Rebecca joined UCL Financial Group in November 2014. She holds licenses in multiple states and numerous areas of insurance as well as her Series 7 and Series 66 Securities licenses. She is also proud to serve as the committee Chair for the Young Advisor’s Team of the National Association of Insurance and Financial Advisors for her local chapter as well as on a national level.

      Rebecca enjoys working with her clients to help them reach their financial goals while developing meaningful relationships in the process. She focuses on various aspects of protection and planning for both individuals and businesses such as:

      • Comprehensive Financial Planning
      • Life insurance and Disability
      • Asset Accumulation
      • College Funding
      • Retirement planning
      • Business Succession Planning
      • Employee Benefits

      She is honored to partner with her father, C. Robert "Bob" Brown, to customize financial strategies for their clients that will protect their loved ones, build wealth and leave a legacy for years to come.

      Rebecca and her husband, Drew, are the proud parents of a wonderful little girl named Elliott.

      Steven D. Sheppard


      • Over 40 Years of financial services and investment experience
      • Past President National Association of Insurance and Financial Advisors
      • Past Member of National Association of Insurance and Financial Advisors Board of Directors
      • Past Member of Tennessee Association of Insurance & Financial Advisors Board of Directors
      • Qualifying and Life Member of The Million Dollar Round Table
      • Past Chairman of Leadership - Germantown Board of Directors

      Jennifer Dettman

      Compliance Consultant

      Graduate, East Carolina University

      20 years experience working with employers to provide innovative strategies for their benefit needs.  The main areas of focus:

      •           Medical insurance (fully insured and self-funded)
      •           Dental Insurance
      •           Vision Insurance
      •           Life Insurance
      •           Disability Insurance
      •           ACA Compliance

      Past President - National Association of Health Underwriters - Eastern Chapter,  Greenville, NC

      Past Board Member - National Association of Health Underwriters - Chicago, IL

      Past President - Great Mid-South Junior Chamber

      State of Tennessee Local Chapter President of the Year - Junior Chamber

      Chairperson - American Cancer Society's Relay For Life of Memphis 2011-2013