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Retirement/Institutional Services Team

Meet our Retirement/Institutional Services Team:


Brenda H. Brammer, Senior Vice President of Retirement and Institutional Services for Community Trust and Investment Company

Brenda H. Brammer, CEBS®

Senior Vice President
Retirement/Institutional Services Manager
800.825.1856

For time sensitive requests:

Brenda joined CTIC's Wealth and Trust Management family in 1983 and has extensive experience in the administration of qualified retirement plans. 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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Nikki Warford, Vice President of Retirement/Institutional Services for Community Trust Wealth & Trust Management

Nikki Warford, RPA, ERPA

Vice President
Relationship Manager
800.825.1856

For time sensitive requests:

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 son and daughter.

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Brian Chavis, Assistant Vice President and Relationship Officer for Retirement and Institutional Services at Community Trust and Investment Company

Brian W. Chavis

Assistant Vice President
Relationship Manager
800.724.7974

For time sensitive requests:

Brian joined CTIC's Wealth and Trust Management family in 2018. As Assistant Vice President, he is responsible for overseeing client relationships as well as the administration of institutional and retirement accounts. Prior to joining WTM, Brian was a financial advisor at BB&T and PNC.

Brian graduated from the University of Kentucky with a Bachelor's of Science degree in accounting and a Bachelor's of Business Administration degree in finance. 

Brian is originally from Cincinnati, OH and currently resides in Lexington, KY. In his spare time, he enjoys hunting, fishing, watching UK sports, and attending Keeneland.

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Tim Smith

Service Associate
800.825.1856

For time sensitive requests:

Tim joined CTIC's Wealth and Trust Management family in 2020. As a Service Associate, he is responsible for supporting Relationship Managers in our Retirement/Institutional Services department as well as facilitating administrative duties for our clients.

Tim graduated from Ohio University Southern with a Bachelor's of Science degree in Applied Management. He has over ten years of experience in retail, loans, and collections.

Tim is originally from Flatwoods, KY and currently resides in Ashland, KY. He enjoys traveling, playing golf, and spending time with his wife and two sons.

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Financial Wellness

Financial Wellness

Having a plan for your future only makes sense. Contact our Wealth and Trust Management team today to begin working on your investment strategy.

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WTM Investment Philosophy

WTM offers disciplined investment management that is consistent with client objectives. We would welcome the opportunity to help you build an investment strategy.

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