Michael Carrier is the sole advisor at Michael S. Carrier & Associates, Inc., an independent firm based in Highlands, NC. He holds a Series 65 designation and has 27 years of industry experience, having led his firm since 1997. Michael S. Carrier & Associates provides investment advice and portfolio management primarily to individuals, trusts, and small businesses. The firm tailors portfolios based on client profiles and conducts ongoing reviews, managing accounts on a discretionary basis without imposing a firm-wide minimum account size.

Donald Mcclellan is a financial advisor with Covenant Investment Solutions LLC in Highlands, NC, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. Prior to founding Covenant Investment Solutions in 2018, he worked at Pruco Securities LLC for three years. He serves as a board member and president of the Highlands Historical Society and is a member of the Rotary Club of Highlands. Covenant Investment Solutions LLC provides discretionary and non-discretionary portfolio management and investment advice to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs tailored strategies based on clients’ objectives and risk tolerance, utilizing proprietary model portfolios and a combination of fundamental, technical, and cyclical analysis.

Harold Vincent is a financial advisor with Attainment Asset Management LLC in Clayton, GA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior work includes roles at Oppenheimer & Co. Inc. and Bb&T Investment Services, Inc. He is also a licensed insurance agent. Attainment Asset Management provides discretionary asset management and separate financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm uses fundamental and technical analysis to manage client portfolios according to their objectives and risk tolerance.

Logan Mc Coy is a financial advisor at Freedom Capital Advisors Inc with a Series 65 credential and one year of industry experience. Prior to his current role, he worked at NewLife Auto for five years and Firestone for four years. Freedom Capital Advisors Inc. provides personalized investment advisory and financial planning services to individual and institutional clients, employing a disciplined approach that combines fundamental, technical, and economic analysis to implement conservative, value- and income-oriented strategies.

David Tice is a financial advisor at Moran Tice Capital Management LLC with 20 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Ranger Alternative Management, LP since 2020. He is also the Chief Executive Officer of Tice Capital, LLC, where he provides consulting services on macro themes to investment firms and professionals. Moran Tice Capital Management LLC offers discretionary investment management to high-net-worth individuals, trusts, and institutional investors through private pooled investment vehicles and separately managed accounts. The firm employs an absolute-return, low-correlation investment approach with a focus on precious-metals equity exposure and uses derivatives and margin as part of its portfolio strategy.

Michael Denti is a financial advisor at Summit Financial, LLC with 40 years of industry experience. He previously worked at Merrill from 1983 to 2021 and Bank of America from 2009 to 2021. In addition to his advisory role, he is licensed to offer insurance products through various companies, including sales conducted via an affiliated firm. Summit Financial, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, pension plans, and charitable organizations. The firm offers a combination of discretionary managed portfolios and advisor-directed programs, serving approximately $15 billion in client assets as of December 2024.

Stephen Nash is a CFP®-designated financial advisor with 16 years of industry experience. He is currently with Empower Advisory Group and previously worked at TIAA and TIAA-CREF for 13 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, delivering services through a model integrated with Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and client savings rates, offering point-in-time financial plans and optional managed account solutions.

Lee Penland is a financial advisor with Primerica Advisors and holds a Series 63 designation. He has 46 years of industry experience, including prior roles at Kestra Advisory, Kestra Investment Services, and NFP Securities. Outside of his advisory work, he is involved with the Lake Burton Civic Association and operates Penland Associates, LLC. Primerica Advisors serves a broad retail client base and offers both transaction-based brokerage and fee-based advisory services. The firm provides a range of investment programs, financial planning, and consulting services supported by proprietary and third-party investment strategies.

Robert Restino is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been affiliated with Legend Equities Corporation since 1994. In addition to his advisory role, he owns Pinnacle Financial Advisors, providing insurance sales and service. Lincoln Investment is an SEC-registered investment adviser and broker-dealer managing approximately $18.9 billion in assets through a network of nearly 900 advisors. The firm serves individuals, employers, retirement plan participants, charitable organizations, corporations, and other advisers, offering financial planning, custom and model portfolios, third-party manager access, and brokerage and insurance products.

Samuel Morse Jr is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Stifel since 2009 and UBS Financial Services since 2000. Outside of his advisory role, he is involved in managing family real estate partnerships. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Robert Vingi Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he hosts a personal podcast unrelated to his business activities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Todd Holder is a financial advisor with Edward Jones in Highlands, NC, holding a Series 66 designation and five years of industry experience. He has worked at Edward Jones since 2020 and previously was associated with Dan Gilbert Insurance Agency and operated a personal advisory practice from 2013 to 2020. Outside of his advisory work, he has involvement with churches, retirement centers, and individual students. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is noted for its extensive advisor and branch network as well as its range of affiliated services beyond traditional advisory offerings.

Justin Souma is a CFP®-certified financial advisor with 21 years of industry experience. He is currently with LPL Financial and previously worked for Benjamin F Edwards & Co for nine years. Outside of his advisory role, he is a business owner of Seven Oaks Farm at Hickory Ridge, LLC. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of financial planning and asset management solutions supported by an in-house Research team and a large network of investment adviser representatives.

Joshua Parker is a financial advisor with Cetera, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Thrivent Financial and Vanderbilt University, as well as service in the U.S. Army from 2010 to 2023. Outside of his advisory work, he is a partner in an LLC that manages a rental cabin property. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, utilizing advisor-managed accounts, model portfolios, and third-party managed options.

Ronald May is a CFP® professional with 48 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors, Inc. He previously worked at Wells Fargo Advisors for 13 years. May is a majority owner of May Wealth Advisors Raymond James, an independent support company. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

Jerry Wright is a financial advisor with LPL Financial in Clayton, GA, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has worked with LPL Financial and Wright & Frank since 1994. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households, offering diverse investment solutions supported by an in-house research team.

Mary Beth Brody is a financial advisor at Ameriprise with 28 years of industry experience. She previously worked at Edward Jones for nine years and has been with Ameriprise since 2022. Brody serves on a local board of directors in Highlands, North Carolina. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Richard Curcio is a CFP® professional with 23 years of experience in financial advising, currently affiliated with Mass Mutual Investors Services. His prior work includes positions at AXA Advisors LLC, Raymond James Financial Services, and Fulton Bank. Beyond his advisory role, he owns RMC Consulting Services, providing CPA and tax preparation, and also consults and coaches chiropractors and business owners on business development. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses a structured, collaborative planning process supported by firm-approved analytical tools and provides a range of educational and event-driven planning programs.

Martin Truax is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 54 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, Truax is CEO of Chota Falls LLC, a business he oversees with his wife, and serves as a board member and CEO of the Two Hearts Foundation, a nonprofit organization. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Jeff Velastegui is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2007. Outside of his advisory role, Velastegui is the founder and president of the Sonrisa Foundation, a nonprofit organization that organizes annual toy and food drives and provides financial assistance to youth for education. He also serves on the trust committee of Saint Peters Church and the board of directors at Rabun Gap-Nacoochee School. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management for individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a collaborative, annual planning process using firm-approved tools and delivers written recommendations, focusing on investment categories and strategies rather than specific product selections.

William Murphy is a financial advisor at UBS Financial Services with 52 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Erik Selness is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. since 2015. He is also a member of the finance and investment committee at First Presbyterian Church of Highlands, where he assists with managing church endowments. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through client collaboration and supported by extensive research and institutional resources.

Andrew Dill is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market simulations.

Clay Rucker is a financial advisor at Raymond James & Associates with 40 years of industry experience. He has been with Raymond James since 1997 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves on the advisory boards of the Church of the Incarnation and the Highlands Cashiers Health Foundation, providing financial oversight and support. Raymond James & Associates offers financial planning and investment consulting to a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and asset-allocation analyses, supporting clients through both non-discretionary advisory relationships and institutional consulting services.

Ara Joyce is a financial advisor at Edward Jones in Clayton, GA, with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his advisory role, Joyce is involved in operating a craft brewery, Currahee Brewing, where he hosts nonprofit and trivia events. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and maintains a large national presence with over 23,700 financial advisors and $1.01 trillion in assets under management.

Matthew Pileski is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Piper Jaffray & Co, Hilltop Securities Inc, and Edward Jones. His background also includes a role at Georgia Mountain Psychological Associates. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is recognized for its use of systematic methodologies, managed fund-of-funds structures, and its role as a registered commodity pool operator and adviser to multiple registered investment companies.