Robert Mc Kernan is a Series 66-registered advisor at J.P. Morgan Securities with one year of industry experience. His prior work includes roles at Morgan Stanley and JPMorgan Chase Bank, N.A., as well as involvement with Noble Food and Pursuits. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its approach. The firm delivers services on a non-discretionary basis, with clients retaining final decision-making authority.

Isaiah Gash is an Investment Consultant who collaborates with individuals and families to develop customized financial strategies tailored to their goals, priorities, and long-term vision. He employs a collaborative planning approach based on clarity and trust to guide clients confidently as their needs and circumstances change.

Rylee Billings is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2026, Rylee worked at Edward Jones and has professional experience in retail and technology sectors. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Alexander Zikos is a financial advisor with Ameriprise in Charlotte, NC, holding a Series 66 designation. He has been with Ameriprise since 2023. Prior to this role, he worked at Roberts & Ryan and has experience in the food service industry. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Scott Blanchard is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses with 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and rooted in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Matthew Bush is a financial advisor with Robert Baird & Co. in Fort Mill, SC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked at Robert Baird & Co. since 2019 and has been with J.J.B. Hilliard, W.L. Lyons LLC since 2008. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group provides consulting and portfolio services, tailoring strategies to client goals and risk tolerances through a mix of in-house and third-party managers and a range of investment approaches.

Karen Hartz is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 18 years of industry experience. She has worked at Merrill since 2021, following tenures at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she owns a small retail business, Heart Light Candles, which sells candles. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Kurt Hoffer is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 35 years of industry experience. He has been with Cetera and its affiliated entities since 2019, previously working at Summit Financial Group Inc. Outside of his advisory role, he owns a fitness training business and a health and nutrition venture, and he distributes portable charging stations for consumer use. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party managers.

Caleb Wood is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Athos Private Wealth, and held various roles at Brigham Young University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

James Stone is a Financial Advisor with Merrill Lynch Wealth Management, working to assist clients with a range of financial needs. He joined Merrill Lynch Wealth Management in January 2025 after a career of over two decades in the mortgage industry. James holds a bachelor's degree from the University of Arizona and carries the Personal Investment Advisor (PIA) designation. He specializes in helping clients manage complex financial priorities by working closely with them to define goals and develop tailored portfolio strategies. He provides ongoing advice and adjusts strategies as clients' circumstances change. Based in Fort Worth, James lives with his wife Jackie, their daughter, and two dogs. He enjoys spending time with his family, playing piano, and golfing among other activities such as antiquing, cooking, hiking, music, reading, and traveling.

Jay Fitz is a financial advisor at Edward Jones with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group for 10 years, Waters Doctors for one year, and Lu La Rose for four years. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Ricardo Gonzalez is a Financial Consultant at Fidelity Investments, where he has been serving since 2020. He brings over a decade of experience in the financial industry, having held various roles within Fidelity Investments since 2008, including Investment Consultant, Relationship Manager, Private Client Group Representative, and Financial Representative. Throughout his career, Ricardo has focused on partnering with clients to develop strategies aligned with their goals and comfort levels. He emphasizes understanding the specific needs and preferences of each client's financial plan to create and implement investment approaches utilizing the Fidelity platform's strategies.

William Stillman is a financial advisor with LPL Financial in Charlotte, NC, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2013. Outside of his advisory work, Stillman is involved with Will-O-LLC, an investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Terry Halvorson is a financial advisor at Thrivent Investment Management with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Halvorson is also listed as a representative of record on previously sold Genworth Long-Term Care insurance policies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering planning on a one-time or ongoing basis. The firm focuses on holistic, goal-based analyses and allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan.”

Anton Nichvidyuk is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His career includes roles at Bank of America, Merrill, and Commercial Bank "Kuban Credit" LLC. He is currently based in Homosassa, FL. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it maintains a formal advisory role to multiple registered investment companies.

Roderick Barnes is a financial advisor with Ameriprise in Huntersville, NC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Barnes serves on the board of the Gilead Commons Owners Association and is a member of the Lake Norman Advisory Board. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Victoria Ongara is a financial advisor at Wells Fargo Advisors with six years of industry experience. She previously worked at Morgan Stanley for six years and has been associated with Wells Fargo Clearing since 2023. She holds a Series 66 designation and is based in Charlotte, NC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored recommendations.

Charmaine Brown is a financial advisor at Wells Fargo Advisors with 20 years of industry experience. She holds the Series 63 and Series 66 designations. Brown has worked within Wells Fargo’s affiliated firms since 2015, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, with tailored recommendations supported by Wells Fargo research and tools.

Stanley Ciotoli is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Merrill and Bank of America since 2009. Outside of his advisory role, he serves as a director for Christ Lutheran Children's Center, a nonprofit organization. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Julie Long is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and 22 years of industry experience. She has worked at Merrill since 2017 and previously spent seven years at Robert W. Baird & Co. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.