Lucas Kalber is a financial advisor with OSAIC Institutions, Inc. He holds a Series 66 credential and has six years of industry experience. Prior to his current role, he worked at Infinex Investments, Inc. and served as a branch manager and loan officer at New Peoples Bank. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, wrap programs, and access to alternative investments and lending solutions.

Joe Waters II is a financial advisor with OSAIC Institutions, INC. based in Boone, NC, holding Series 63 and Series 65 credentials and bringing 19 years of industry experience. He has worked at Infinex Investments, Inc., New Peoples Bank, First Bank & Trust, and Bi Investments LLC. Outside of his advisory roles, Waters serves as a board member of the Kiwanis Club in Abingdon, VA. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by offering advisory and brokerage services through customized engagements, financial planning, ERISA plan services, and access to alternative investments. The firm primarily operates through a network of investment adviser representatives who utilize a mix of fundamental and technical analysis and offer both discretionary and predominantly non-discretionary portfolio solutions.