Retirement/Institutional Services Team Bios

Headshot of Brenda Brammer in a grey suit.  Building with column in background with green trees.
Brenda H. Brammer, CEBS®
Senior Vice President
Retirement/Institutional Services

800.825.1856
For time sensitive requests: cticeb@ctbi.com
Brenda joined CTIC's Wealth and Trust Management family in 1983 and has extensive experience in the administration of qualified retirement plans and IRA’s. Prior to joining WTM, Brenda worked in a law office. She graduated from Marshall University, Magna Cum Laude, B.B.A. in 1982. In 1991, she became a Certified Employee Benefit Specialist (CEBS) from the Wharton School of the University of Pennsylvania. She has attended multiple retirement services related schools and seminars since 1985.
Brenda is currently a member of the International Society of Certified Employee Benefit Specialists.
She is originally from Charleston, WV and resides in Ashland, KY with her husband. Brenda enjoys cooking, hiking and nature.
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Headshot of Nikki Warford in a brown suit.  Building in background with golden yellow trees.
Nikki Warford, RPA, ERPA
Vice President
Retirement/Institutional Services

800.825.1856
For time sensitive requests: cticeb@ctbi.com
Nikki joined CTIC's Wealth and Trust Management family in 2004. As Vice President, Nikki is responsible for the administration of institutional and retirement accounts. She graduated from Morehead State University in Morehead, KY with a Bachelor's of Arts degree.
Nikki holds a Retirement Plan Associate designation from the Wharton School of the University of Pennsylvania along with the IRS Enrolled Retirement Plan Agent designation.
Nikki resides in Grayson, KY with her daughter.
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Christa Hargraves
Relationship Administrator
Retirement/Institutional Services

800.825.1856
For time sensitive requests: cticeb@ctbi.com

Christa joined CTIC's Wealth and Trust Management family in April 2018 as a Relationship Administrator. Prior to joining WTM, Christa worked as a teller at First National Bank of Grayson and also has experience has a child support specialist. She earned a Bachelor’s of Arts degree from Morehead State University in communications with an emphasis in journalism.

Christa is active in her community as she is the League Secretary and Concession Manager for both the Grayson Area Little League and Grayson Youth Football.

Christa grew up in Grayson, KY and currently resides there today. In her free time, she enjoys reading, writing, cooking, camping, and spending time with her family, friends and pets.

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