Annette was born and grew up in Western Kentucky and has lived in Middle Tennessee for the last 37 years. She attended Western Kentucky University where she met her husband and graduated with a degree in Computer Science and Accounting. During her career, she has worked many years in both Corporate and Non-Profit accounting. She serves under the Minister of Church Administration as the Financial Manager of the business affairs of the church. Annette and her husband Ralph have one daughter, Christa. In her spare time, she likes to spend time with her family at the beach, serve in ministry alongside her husband who is pastor of First Baptist Ridgetop, and occasionally get in a little sailing.