![](https://static.wixstatic.com/media/05e3dc_d76e10ffc7334f30944ded411e5c7418.jpg/v1/fill/w_870,h_580,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/05e3dc_d76e10ffc7334f30944ded411e5c7418.jpg)
CUMBERLAND SECURITIES COMPANY, INC
Independent, trusted municipal advisor.
Who We Serve
![cities.png](https://static.wixstatic.com/media/60c2ac_142e320e40b349ca98bbed437fdfa5ad~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/cities.png)
CITIES
![sewer.png](https://static.wixstatic.com/media/60c2ac_7dfac5ab7cf546dfa352bb70f2b26a7a~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/sewer.png)
SEWER
SYSTEMS
![counties.png](https://static.wixstatic.com/media/60c2ac_b5fdd6e896de4e2683e71d9ccd8d2047~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/counties.png)
COUNTIES
![electric-system.png](https://static.wixstatic.com/media/60c2ac_7e9111567cbe4a28a16be4326b5c6d2d~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/electric-system.png)
ELECTRIC
SYSTEMS
![gas.png](https://static.wixstatic.com/media/60c2ac_ae2b5c8fe1e1495591c82ac6ec252f05~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/gas.png)
![water.png](https://static.wixstatic.com/media/60c2ac_60a2d4ad765f4323973a3bb191298ba1~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/water.png)
GAS
SYSTEMS
WATER
SYSTEMS
![telecom.png](https://static.wixstatic.com/media/60c2ac_fd8fd9bd93474c659ccb2d8d5254da5f~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/telecom.png)
TELECOMS/
BROADBAND
![hospitals.png](https://static.wixstatic.com/media/60c2ac_a2a65db2d9a14fdbb0530c7277f6303d~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/hospitals.png)
HOSPITALS
![airports.png](https://static.wixstatic.com/media/60c2ac_2503a270ad80427392f33b99c47a3007~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/airports.png)
AIRPORTS
![non-profits.png](https://static.wixstatic.com/media/60c2ac_22262b9f3d574350a5e12b2a7e969b1c~mv2.png/v1/fill/w_155,h_115,al_c,q_85,enc_avif,quality_auto/non-profits.png)
NON-PROFITS
About Us
Unmatched Customer
Service
We've been recognized for our innovative and cutting edge strategies in public finance for cities, counties, utilities, and other entities across Tennessee. We offer sound and effective advice in the municipal debt market.
Cumberland Securities is second-to-none in Tennessee when it comes to knowledge of general obligation, school, public infrastructure, water and sewer, and variable rate municipal bonds.
We are an independently owned and operated firm focused exclusively on financial advisory practice. As a Municipal Advisor, we are registered with the Securities Exchange Commission (SEC) and the Municipal Securities Rulemaking Board (MSRB).
Cumberland Securities is an Independent Registered Municipal Advisor who works with issuers to determine what is in their best financial interest whether competitive or negotiated sales, public or private placements, or fixed or variable rate bonds.
Independent
Extensive Experience
Since 1931
Unbiased Advice
Our Services
DEBT
MONITORING
CAPITAL IMPROVEMENT PLANS
FUNDING STRATEGIES
CURRENT & FUTURE MARKET CONDITIONS
RATING APPROACH
DEBT
IMPLEMENTATION
REGULATORY COMPLIANCE
CONTINUING DISCLOSURE FILINGS
DEBT CAPACITY & AFFORDABILITY STUDIES
EXAMINE & ANALYZE POTENTIAL FINANCING STRATEGIES
Meet The Team
![joeAyres_edited.jpg](https://static.wixstatic.com/media/60c2ac_95ab67aef5ed4ddc9ff785efcdc2d941~mv2.jpg/v1/fill/w_216,h_216,al_c,q_80,usm_0.66_1.00_0.01,enc_avif,quality_auto/joeAyres_edited.jpg)
Joe Ayres
President & CEO
![scott_edited.jpg](https://static.wixstatic.com/media/60c2ac_29a2bfd4e31c447c8b1f3e8662248450~mv2.jpg/v1/fill/w_216,h_216,al_c,q_80,usm_0.66_1.00_0.01,enc_avif,quality_auto/scott_edited.jpg)
Scott Gibson
Senior Vice President
![chris_edited.jpg](https://static.wixstatic.com/media/60c2ac_051f4e94ddd54ae7b773a5f846c7e0f8~mv2.jpg/v1/fill/w_210,h_210,al_c,q_80,usm_0.66_1.00_0.01,enc_avif,quality_auto/chris_edited.jpg)
Chris Bessler
Senior Vice President
![john_edited.jpg](https://static.wixstatic.com/media/60c2ac_299961f763b64ac19e8dd41b81601042~mv2.jpg/v1/fill/w_210,h_210,al_c,q_80,usm_0.66_1.00_0.01,enc_avif,quality_auto/john_edited.jpg)
John Werner
Vice President
Recent Projects
![Rocky Top Sports World](https://static.wixstatic.com/media/60c2ac_4f7292c5100b446b82c8210d7dc0b5ca~mv2.jpg/v1/fill/w_980,h_613,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/60c2ac_4f7292c5100b446b82c8210d7dc0b5ca~mv2.jpg)
Rocky Top Sports World
![Fayetteville School](https://static.wixstatic.com/media/60c2ac_bb9e87199ba04274a3ef356fa7306f9a~mv2.jpg/v1/fill/w_550,h_350,al_c,q_80,enc_avif,quality_auto/60c2ac_bb9e87199ba04274a3ef356fa7306f9a~mv2.jpg)
![Greenback High School](https://static.wixstatic.com/media/60c2ac_baf47982be2f4220b3e54591e60d88c3~mv2.jpg/v1/fill/w_550,h_350,al_c,q_80,enc_avif,quality_auto/60c2ac_baf47982be2f4220b3e54591e60d88c3~mv2.jpg)
![Rocky Top Sports World](https://static.wixstatic.com/media/60c2ac_4f7292c5100b446b82c8210d7dc0b5ca~mv2.jpg/v1/fill/w_980,h_613,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/60c2ac_4f7292c5100b446b82c8210d7dc0b5ca~mv2.jpg)
Rocky Top Sports World