John Holding III is a financial advisor at OSAIC Institutions, Inc. in Raleigh, NC, with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Principal Securities Inc., Members Trust Company, and SECU Life Insurance Company, among others. He also receives residual commissions from prior life insurance agency roles. 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, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a notable lending marketplace platform.

Stephen Snow is a financial advisor with OSAIC Institutions, Inc. and holds Series 63 and Series 65 licenses. He has 34 years of industry experience and has previously worked at First Citizens Investor Services, Inc., Wells Fargo Advisors, LLC, and Wells Fargo Clearing. Snow participates in a financial advisor referral program with Southern Bank. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients by providing customized advisory services, financial planning, ERISA plan services, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model with a focus on delegated investment management and multiple service platforms.