Our Team

David Downard was born in Springfield, Tennessee; when he was just 12, years old, he lost his father and was raised by his grandparents. Social Security stepped in and awarded the young Downard benefits, helping with costs through the remainder of his childhood. He credited his success, in part, to the benefits he received,  something that allowed him to worry about school and success instead of how he would pay bills. He began his career as a service specialist with the SSA.​ During this time, his grandmother applied for, and was denied Social Security Disability benefits. After learning more stories like hers, he earned his law degree in 2002 so he could help people just like his beloved grandmother.​ Mr. Downard spent his entire career fighting for people who were unable to work and that same spirit of service continues at Downard today.

The son of a minister, Ray grew to appreciate people from all cultures, backgrounds, and walks of life. And like both of his parents, he decided early on to choose a profession centered on service to others. Approaching his 7th year at Downard, Ray helps people navigate the complicated SSD process and fights for their rights each day, something he admits “never gets old.”

Ray graduated cum laude from Cumberland University, earned his Juris Doctor degree from Nashville School of Law and was admitted to the Tennessee Bar in 2004. He enjoys spending time with his three kids, the eldest proudly serving in the U.S. Marine Corps. Otherwise, don’t be surprised to catch Ray on a soccer field somewhere watching his kids’ soccer games, or volunteering for local charities on his time off.

Martha has nearly 40  years of experience as a Legal Assistant/Paralegal. Her extensive background includes experience in personal injury, medical malpractice, insurance defense, workors’ compensation, real estate, probate, juvenile court and Social Security Disability. And if that isn’t enough, Martha also served as an assignment clerk for a Chief Criminal Court Judge, as a Paralegal/Office Manager for a Family Law Firm, and handled criminal defense cases for a Private Investigation company.

Martha enjoys spending her time off working in her yard and spending time with family and friends.

Karen is a native of Jackson, Tennessee where she graduated from Lambuth University with a Bachelor of Science Degree. She has been part of our team for more than 14 years and specializes in all phases of the Social Security Disability process. When she’s not working, she and her husband Brandon (also with Downard) enjoy spending time with friends and traveling to far-away destinations. The pair also enjoys travel, tennis, and golf.

Legal Support Areas: Social Security Disability

Mike graduated from Gallatin High School in 1996 and Vol State in 2001 with an Associates Degree in University Studies. He also attended Middle Tennessee State University and Tennessee State University where he graduated with degrees in History and Political Science.​

Mike specializes in the Social Security Disability intake process and Document Management.

Katie graduated from Gallatin High School and Volunteer State Community College with an Associates Degree in Paralegal Studies. She has worked as a legal assistant and paralegal for the last several years with a focus on Family Law and Custody. When she’s not working, Katie enjoys spending time with her family and friends. She also enjoys painting.

Kelly grew up in Evansville, Indiana, and furthered her education at Vincennes University. She has been with Downard & Associates for about a year and a half, specializing in the Social Security Disability intake process. Now residing in Newburgh, Indiana, where she raised her family, Kelly has a diverse professional background, including office management with Sprint/Nextel and several years in early education and working with special needs children. An avid Disney fan and history buff, she has a particular interest in the history of film. Kelly is passionate about mental health awareness and volunteers at the Humane Society, dedicating her time to causes close to her heart.

Kimberly serves as our Client Relations Specialist and Receptionist, bringing a wealth of experience in client care and a genuine passion for helping others. With a background in family business and a strong commitment to advocacy as a CASA volunteer, Kimberly ensures every client feels supported and understood. She was recognized as Star of the Month in oncology patient relations, a testament to her dedication to service. Kimberly’s approach is inspired by her grandmother’s wisdom: focus on today and make each moment count.

Nancy brings over 30 years of experience in banking and financial services, with expertise spanning branch operations, management, and IT. For the past seven years, she has served as a Testing Project Manager at Caterpillar Financial, where she coordinated software application and user acceptance testing. A certified Project Manager, Nancy is dedicated to ensuring project success and efficiency. Outside of work, she cherishes time with her husband Alan, their three grown children and spouses, and six grandchildren, often attending their sports and activities. The family also shares a passion for racing, owning a Pro Late Model stock car that her oldest grandson drives.

Makayla is a native of Evansville, Indiana, where she graduated from Castle High School. Since joining the Downard team about a year ago, she has specialized in the Social Security Disability intake process. Prior to her work here, Makayla dedicated herself to educating and supporting special needs children, bringing a compassionate approach to her current role. In her spare time, she enjoys crafting and runs a small business customizing shirts, cups, door hangers, and more. Recently married, Makayla loves spending quality time with her husband and their fur baby, Cali Jo.

Skyler is a dedicated professional with a passion for helping others. He is a proud father of two wonderful boys, Jax and Max. Outside of the office, Skyler enjoys sports and spending quality time with his family, making memories that matter most.