Patrick Carter Hauer

Ronny Hair is a financial advisor with Palmetto Retirement Specialists, LLC in Williston, SC, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has worked at Gradient Securities, LLC since 2012 and owns Palmetto Insurance Specialists, LLC, where he spends a significant portion of his time. Outside of advisory work, he owns and resides on raw land held by Tinker Creek Plantation, LLC. Palmetto Retirement Specialists provides fee-based financial planning and consulting to a diverse client base, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm refers clients to third-party money managers and does not accept discretionary trading authority, focusing on financial planning fees and referral arrangements rather than direct portfolio management.

James Allison is a financial advisor at First Dominion Wealth Advisors LLC with nine years of industry experience. His background includes roles at OneAmerica Securities, American United Life, Nationwide Securities, and Nationwide Insurance, as well as extensive self-employment in financial services. He holds Series 63 and Series 65 licenses and owns First Dominion Financial Group, LLC, a financial services business. First Dominion Wealth Advisors LLC offers personalized financial planning and non-discretionary investment management primarily for individuals and families, with a specialization in serving families that include an individual with a disability. The firm employs a structured discovery process and a subscription model, emphasizing diversified, low-cost index funds and ETFs, and manages potential conflicts related to affiliated insurance activities through separate legal entities.

Carolyn Lumley is a CFP® professional with 30 years of experience in financial advising. She has worked at A to Z Asset Advisors, LLC since 2008 and previously at Private Client Services LLC from 2014 to 2017. A to Z Asset Advisors, LLC provides personalized financial planning and discretionary investment management to individuals, families, small businesses, trusts, and estates. The firm manages approximately $15.75 million across about 71 client households and employs an income-focused investment strategy using preferred stocks, closed-end funds, and ETFs, combined with comprehensive financial planning services.

William Coscioni is a CFP® with 12 years of industry experience, currently serving as the CEO of Wealthcare in Aiken, SC. He has been with Wealthcare/Financial Planners, LLC since 2012. In addition to his advisory role, he provides tax planning and tax return preparation services through his company. Wealthcare offers tailored investment and planning services to individuals and families, including high-net-worth clients, focusing on discretionary asset management, financial planning, and income tax planning. The firm uses a combination of economic, fundamental, and technical analysis to construct customized portfolios primarily consisting of mutual funds, ETFs, stocks, and bonds.

David Gray is the principal of David Gray Consulting LLC, an independent advisory firm based in North Augusta, SC. He holds a Series 65 designation and has three years of experience in the financial industry. Prior to founding his firm, he worked at Matrix PMO and Williams Plant Services. In addition to his advisory role, he serves as a Senior Project Controls Manager and Scheduler under contract with Longenecker and Associates, providing construction and plant maintenance services. David Gray Consulting LLC offers discretionary investment management, financial planning, and retirement-plan advisory services to individual and high-net-worth clients, trusts, estates, corporations, retirement plans, pensions, and charitable organizations. The firm employs a primarily long-term, customized investment approach using fundamental, technical, and cyclical analysis, with services that include ERISA-focused plan oversight and a performance-based fee option.

Martin Lunn is a Series 65-licensed advisor with Wilson David Investment Advisors in Aiken, SC, where he has worked since 2014. He has 11 years of industry experience. Outside of his advisory role, he serves as CEO of Greenshores South Corp and Narwhal Management, LLC, managing real estate, equity, and cash assets through these entities. Wilson David Investment Advisors provides personalized investment advice and portfolio management primarily to individual clients. The firm combines top-down market analysis with bottom-up security selection and emphasizes financial literacy through books, newsletters, and seminars.