Our Team

Lois Carrier, Certified Financial Planner™ is the lead visionary for WorthWhile Wealth Council. Lois began her financial planning career in 1989 receiving her CFP® designation in 1993. She is the founder, President and CEO of WorthWhile Wealth Council—a fee-only registered investment advisor firm.

Lois has been a leader in her profession, empowering women with the knowledge and education to be financially successful. Throughout her career she has worked tirelessly toward eliminating financial illiteracy for women and men alike through her creation of numerous seminars and other educational outreaches including the popular program, WIFFI (Women Investing for Financial Independence), The Money Camp for Kids and Marriage and Money.

On her mission to eliminate financial illiteracy, Lois has written several articles published in the Journal of financial planning, Investment Advisor Magazine, and Financial Planning Magazine. And, she has also acquired a large following with her exceptional teaching and presentation skills for local television audiences. Lois has been interviewed on CNBC’s Squawk Box and presented educational segments weekly on WCYB television, a Fox news affiliate, for over twenty years.

Lois previously served on the founding board of the FPA (Financial Planning Association). She has spoken for FPA national conferences LPL Financial national conferences and many more. Her career reflects her passion for her clients, community and the elimination of financial illiteracy at all levels.

David L. Maurice, Certified Financial Planner™ professional is a Founding Principal and Chief Investment Officer of WorthWhile Wealth Council. David leads the firm’s securities and market research, investment policy committee, professional training, and client education and review responsibilities.

David and Lois, his wife and partner, divide their time between East Tennessee and Sedona AZ where the firm has been attracting a budding clientele. He is the very proud “Poppa” of two wonderful grown children; his daughter, Sarah and her husband Michael live Chicago with their little boy Waylon. David’s son, Kellen and his wife Kenya live in Nashville, TN with their little boy, Grant.

Lois and David are charter members of the Kinder Institute of Life Planning. They’re both graduates of Comprehensive Training for Registered Life Planners ® (RLP®) and are authorized Presenters for the Kinder Institute of Life Planning Professional 5-Day Workshops.

Lois and David are also charter members of the Nazrudin Project, an influential, international think tank of leading financial planners advancing the principles of holistic financial planning, The Nazrudin Project initiated the influential movement toward Life Planning among financial planners, generating significant academic and best practices contributions to the knowledge base for CFP®’s worldwide. The movement has also attracted and contributed to the success and recognition of many leading figures in the profession. Holistic Financial Planning is now broadly accepted as integral to best practices for financial planners largely due to the participants and contributions of the Nazrudin Project.

Andrew Worley is Associate Advisor at WorthWhile Wealth Council. From operations to marketing, Andrew is involved in all aspects of the firm’s client portfolio management. He supports David’s economic and market research and serves on the Investment Policy Committee where he contributes to due diligence for fund selection and plays an integral role in all client account operations. Andrew has a primary role interacting with clients from initial consultations through reviews and client service requests as they arise. Andrew serves under the direct supervision of Sasha Stewart in operational functions and under the direct supervision of David in research and client interactions. Andrew’s most recently added duties include serving the firm’s outreach to and education for employer-sponsored retirement plans. He works closely with Lois in this capacity.

Andrew is a graduate of Happy Valley High School in Elizabethton, TN where he met his wife Amanda. With over 20 years of marriage under their belts, they now live in Jonesborough, TN. Together they have raised two children to adulthood, Callie and Jacob. They are now experiencing parenthood 2.0 as they are raising a third child, Elijah along with their dog Lana, a German Shepperd mix.

After high school, Andrew joined the U.S. Army Reserves and served as Military Police Officer until 2001. He would take his calling to serve others into the field of emergency management where he was able to build an extensive career over many areas across the United States. Working on a federal and state level he responded to 24 presidentially declared disasters over 32 states to provide short- and long-term response and recovery resources to thousands of individuals and dozens of communities. On a local level, he served as a county emergency management director in Northeast Tennessee providing preparedness, response, recovery, and mitigations services to his community. Most recently he served as the emergency management specialist for East Tennessee State University until joining our firm in 2020.

Andrew has a business degree from Northeast State Community College and a Bachelor of Business Administration in Management from East Tennessee State University. While completing his baccalaureate degree, Andrew made became interested in and decided to transition his career to become a fee-only financial advisor. Over the next three years, he would build his experience as an intern at WorthWhile Wealth and in 2020 he joined the firm full-time as Associate Advisor. He is currently enrolled in the Accredited Investment Fiduciary®(AIF®) Program and is working toward meeting the requirements for the Certified Financial Planner®(CFP®) Program. Both will help him advance his skills and to meet the demands of the firm in providing top-shelf services to our clients.

Bonna Moyer joined WorthWhile Wealth Council as a part-time receptionist, coming out of retirement to return to the world of business.  It didn’t take long to discover that her past experience as a long-time Executive Assistant was going to work out well for her at WWC.  She has extended those part-time hours to increase her duties to Client Care Specialist and Executive Assistant to our CEO and COO.

Bonna was born and raised near Pittsburgh, PA and is a graduate of Thiel College in Greenville, PA – year not to be disclosed – with a BA Degree in Business Education.  Her career began as a high school teacher of business courses, but upon moving to California, she landed an Executive Assistant position in the banking arena.  Over her many years in the business world, her niche has always been in that personal assistant role.

After living in Pennsylvania, California, and Florida, Bonna and her husband decided that they wanted to live in the mountains.  Through the advice of a friend, they explored many areas in Northeast Tennessee!  They both agreed that they were in love with Johnson City!  So, in 2005, they moved here and settled in Gray, TN.  Unfortunately, three years after relocating, her husband passed away.  But that didn’t change her desire to stay right here in the mountains, so 15 years after coming to Tennessee, she is a “semi-native”!

Bonna has always lived in Gray since landing in Tennessee.  Right now, she shares her apartment with, Mamie, a 16-year old Calico cat, and Angel, a 2-year old ShihTzu, both rescued from shelters.  She has three wonderful and supportive stepchildren, seven grandchildren, and one great-grandchild.  Her passions are church work, family and friends, animals, cooking, and reading.

Theodore “Theo” Ray is our Chief Morale Officer at WorthWhile Wealth Council. Theo takes it upon himself to make sure WWC has a calming and comfortable office atmosphere. The well-being of his friends is very important to him and he is always available to listen if anyone needs to talk.

Theo grew up in Lynchburg, VA with his mother and two caregivers. He was a bit mischievous for his aging owners and when he reached 2 years old, he found himself at the Campbell County Humane Society. After a short stay in foster care, Theo went home with Lauren Ray and traveled with her when she moved to Tennessee in 2014. Shortly after their arrival in TN, Theo earned a passing certificate through a Kennel Club Training Course and has remained a model citizen to this day.

Theo enjoys nature walks, meeting new people and long naps flat on his back.