Frederick Woods is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 1985. With over 37 years of experience in the industry, he employs a risk management approach to develop financial strategies that assist clients in achieving their goals. His expertise includes retirement and estate planning, business retirement plans, portfolio management services, and home financing strategies through Bank of America, N.A. Mr. Woods earned a Bachelor of Science degree in Business Administration from Seton Hall University and holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also involved in his local community as a member of the Rhinebeck Lions Club. Residing in Rhinebeck, New York, Frederick Woods spends time with his wife and three children. He has a personal interest in baseball, golfing, music, skiing, soccer, and watching movies. His planning philosophy centers on collaborating with clients to create personalized financial strategies tailored to their individual goals.

Vickie Dawes is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Based in Myrtle Beach, SC, her career has been focused within the Wells Fargo organization. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is investment policy statement-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

David Cassidy is a financial advisor with Ameriprise in Myrtle Beach, SC, holding a Series 66 designation and 16 years of industry experience. He previously worked at Edward Jones for 15 years before joining Ameriprise in 2024. Outside of his advisory role, Cassidy serves on the Board of Directors for Trail Life and is involved in several business ventures, including ownership of real estate and management companies. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling to deliver tailored, non-discretionary recommendations that integrate tax-efficiency and adaptive withdrawal strategies. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Barbara Ducham is a financial advisor at Raymond James & Associates with 22 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at various Raymond James entities and Liberty Bank Investment Services. Outside of her advisory role, she serves as a court-appointed conservator. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering tailored financial planning and investment consulting through a variety of portfolio management approaches.

John Mckewen III is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2009, including time at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Eric Bitetto is a financial advisor at OSAIC with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Woodbury Financial Services, Eagle Strategies, and New York Life. Bitetto is the owner of Semper Fortis Financial, LLC, where he markets investment and insurance services, and he has interests in cryptocurrency investing. OSAIC serves a diverse client base ranging from individual investors to institutional entities, providing integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs various asset-allocation tools and offers portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments, managing accounts on both discretionary and non-discretionary bases.

Albert Wiggin is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Raymond James since 2017. Outside of his advisory role, he serves as a trustee and executor for his brother’s estate and works as an independent contractor providing financial advisory services to NALTS LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and uses analytical tools to support client goals, while maintaining notable municipal advisory capabilities and specialized program offerings.

David Custer is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and one year of industry experience. Prior to joining Wells Fargo, he worked at Morgan Stanley and held roles at multiple companies including Tesla and Bristol Myers Squibb. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Therese Barbera is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2001. 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, retirement plans, corporations, and charitable organizations.

H James Johnson Jr. is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been a financial advisor since 1990. He leads the Johnson Wealth Management Team, which includes two client associates. James focuses on understanding the financial priorities of individuals and families to provide personalized attention and customized strategies, assisting clients in areas such as family wealth management, legacy planning, retirement income, and tax minimization. James holds a Bachelor's Degree from Clemson University and holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He collaborates closely with clients' attorneys, accountants, and other advisors to craft comprehensive financial strategies that address both short-term and long-term goals. Committed to community involvement, James participates in volunteering activities within the communities he serves. He also enjoys boating, camping, football, gardening, golfing, music, spending time with his family, tennis, and watching movies.

Meagan Morgan is a financial advisor at Merrill with 12 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2013. Outside of advising, she co-owns a rental property business. 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 both model-based and discretionary strategies for a range of individual and institutional investors.

Tu Nguyen is a financial advisor with UBS Financial Services in Myrtle Beach, SC, holding a Series 66 designation and bringing 16 years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney and CitiGroup Global Markets INC. Outside of his advisory work, he is a partner in Three Little Monkeys LLC, an investment-related business. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management and offers services including discretionary portfolio management, fee-based financial planning, and access to capital markets.

Wilbur Brown is a CFP® professional with 30 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a 25% owner of 2120 Partnership, an investment-related business in Lake City, SC, where he also serves as a trustee. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Vincent Mallozzi Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and specialized municipal advisory services.

Jason Morris is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has worked at several firms including Securian Financial Services and Minnesota Life Insurance. Outside of his advisory role, he works as an independent contractor for Doordash. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse program structures.

Rebecca Watson is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. She has been with LPL Financial since 2014, following prior roles at Allworth Financial, Pathway Strategic Advisors, and AW Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various investment strategies and platforms, supported by a large network of advisors and substantial discretionary assets under management.

Kabuzi Mkandawire is a financial advisor with Merrill, holding a Series 66 license and seven years of industry experience. Prior to joining Merrill in 2019, he worked briefly at the Carpenter Bros Hardware Store & Rental and as a contractor for Rightbrain Networks LLC. Outside of finance, he operated a video production business called Kabuzi The Video Guy from 2017 to 2018. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Miriam Arvizu is a Senior Financial Advisor with Merrill Lynch Wealth Management in the Grand Strand area. She specializes in creating personalized wealth management strategies tailored to her clients' unique financial situations, with expertise in areas such as retirement planning, cash flow management, legacy planning, multigenerational planning, divorce transition planning, family wealth management strategies, and services for endowments, foundations, and non-profits. Fluent in both Spanish and English, she draws from the resources and investment insights of Merrill Lynch, as well as banking and lending solutions provided through Bank of America, to support her clients' financial goals. Miriam holds a Bachelor's Degree in Finance from Coastal Carolina University and is a Personal Investment Advisor (PIA). She has spent nearly two decades as a financial advisor, assisting clients to develop tailored strategies based on a thorough understanding of their priorities, aiming to help them pursue life goals and plan their legacy. Her professional philosophy centers on one-on-one communication to understand clients' values and aspirations. Beyond her professional role, Miriam resides in North Myrtle Beach, South Carolina, with her family. She participates in community organizations including Habitat for Humanity, North Myrtle Beach Athletic Booster Club, North Strand Shelter, and Sea Haven for Youth. Her personal interests include boating, dancing, gardening, painting, reading, table tennis, yoga, soccer, and travel.

Luiz Fernando Bara Faria is a Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® designation. He specializes in guiding individuals and families through personalized wealth management strategies to help them pursue their long-term financial goals. Luiz's expertise includes education planning, family wealth management, legacy planning, retirement planning, portfolio management, special needs planning, tax minimization, and services tailored to sports and entertainment professionals. Luiz earned both his Bachelor's degree and an MBA from Coastal Carolina University. He also holds the Chartered Retirement Planning Counselor™ (CRPC) and Sports & Entertainment Accredited Wealth Management Advisor™ (SE-AWMA) designations. A former collegiate tennis player, Luiz applies discipline and preparation to his client relationships and financial planning process. Outside of his professional role, Luiz enjoys playing tennis, horseback riding, cooking, football, soccer, traveling, and spending time with his family. Originally from Brazil, he now resides in the Myrtle Beach area and is actively engaged in the community where he lives and works.

Linda Rabon is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Ameriprise since 2012. Her credentials include Series 63 and Series 66 licenses. Ameriprise provides retirement-income planning services targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations, supported by a centralized retirement-income consulting team.