Joseph Flowers is a CFP®-designated financial advisor with 27 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he acts as power of attorney for his sister’s accounts. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Morgan Crutchley is a financial advisor at Stifel with seven years of industry experience. He has worked at Stifel Nicolaus & Company Inc. since 2018 and previously held a position at Pro Spirits Holding Pte. Ltd. from 2015 to 2017. Outside of his advisory role, he serves as Treasurer of the Bluffton Paddle Club, where he manages the budget and prepares monthly financial reports. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, while clients retain discretion over implementation.

John Walter is a financial advisor with Morgan Stanley Wealth Management in Bluffton, SC, holding Series 63, 65, and 66 designations and 23 years of industry experience. He previously worked at Bank of America for 23 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools without providing individual security recommendations as part of standalone financial plans.

Maggie Roche is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 31 years of industry experience. She has been with Cetera Advisors LLC since 2013 and also operates Roche Financial Inc., which she founded in 1991. Outside of her advisory work, she serves as a committee member at Saint Ann Catholic Church, where she participates in reviewing church finances and discussions about planned and charitable giving. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform that includes affiliated and third-party managers across various program structures and custodial relationships.

Stephen Mitchell is a financial advisor with Stifel in Bluffton, SC, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, providing brokerage and investment advisory services with a proprietary investment methodology developed by its Investment Strategy Group.

William Shumate is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He previously worked at Kovack Advisors and Kovack Securities for seven years each before joining LPL in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Mary Rush is a financial advisor with Ameriprise in Hilton Head, SC, holding a Series 66 designation and 16 years of industry experience. She has been with Ameriprise and its affiliate, Ameriprise Financial Services, Inc., since 2007. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm uses a centralized consulting team to deliver customized, algorithm-assisted Recommendation Reports focusing on income sources, Social Security options, and tax-efficient withdrawal strategies.

Joseph Martynek Sr. is a Series 66-licensed financial advisor with Edward Jones, bringing three years of industry experience. His prior roles include positions at First Command Financial Services and brokerage services, as well as nine years of service in the United States Army. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations, with approximately $1.01 trillion in assets under management. The firm offers a range of investment advisory programs, discretionary and non-discretionary strategies, and affiliated mutual funds, supported by a nationwide network of over 23,000 advisors and 15,000 branch offices.

Mark Sicilia is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo entities since 2009. He owns and operates Perspective Wealth Management LLC, a separate investment-related business based in Bluffton, SC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. Advisors use firm research and planning tools to develop tailored recommendations, with clients able to implement solutions through various brokerage or advisory programs.

Brendan Boyle is an Investment Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he worked in various capacities within Fidelity Investments, including as a Workplace Planning Consultant at multiple levels from 2021 to 2023. His experience also includes internships in finance and accounting at Sail Energy in 2019 and financial analysis at Atlas Energy in 2020. Brendan's approach to financial planning focuses on understanding each client's unique situation, goals, and concerns. He emphasizes building trust through genuine care and commitment, using creativity, resources, and experience to help co-create financial plans that clients can feel confident pursuing.

Paul Lee is a financial advisor with UBS Financial Services in Hilton Head, SC, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with UBS Financial Services since 2009. Outside of his advisory role, he has served as a trustee for the Presbyterian Foundation and participates as a subject matter expert with the Investments and Wealth Institute. Additionally, he works part-time as a golf starter at Sea Pines Resort. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services. The firm employs proprietary market research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Melissa Myers is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 65 designations and previously spent 12 years at Voya before joining Cetera in 2025. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment and consulting services through a large nationwide network of independent advisors and operates a multi-manager platform with discretionary and non-discretionary portfolio management options.

Michael Cooler is a financial advisor with Morgan Stanley, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Prudential Private Capital and Ivy Asset Group, LLC. He serves on the Finance & Audit Committee of the Coastal Community Foundation, a nonprofit involved in various community and humanitarian efforts. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers services that extend from individual financial plans to corporate financial planning agreements.

Benjamin Witcher is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has prior work experience with TD Ameritrade and Thrivent Investment Management. Witcher is based in Bluffton, South Carolina. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment guidance approach supported by research from Schwab’s Center for Financial Research.

Neil Bunce is a financial advisor at Ameriprise with a Series 66 credential and less than one year of industry experience. Prior to joining Ameriprise, he held roles at M.H. Frank, LTD. and various educational institutions including Clemson University and the University of South Carolina. He also has experience in the hospitality sector. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Leigh Cohen is a financial advisor with Merrill in Bluffton, SC, holding Series 63 and Series 65 credentials and having 34 years of industry experience. She has been with Merrill since 1991 and also associated with Bank of America since 2010. Outside of her advisory role, Cohen is a general partner and managing member of Baltic Ave, LLC, a business organization linked to a second home in Nantucket, MA. 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, pension and profit-sharing plans, corporations, and charitable organizations.

William Abbott is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at Harris Pillow Supply, Inc. for seven years and Southern Medical Inc. for four years. He holds a 32% ownership interest in Southern Medical Management, a holding company for skilled nursing facilities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Adam Jurewicz is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 11 years before joining LPL Financial. He is also involved with Blueway Management Inc., a non-investment-related business entity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Sean Casey is a financial advisor at Cetera with 34 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera and its related entities since 2004. Casey serves on the board of the Rose Hill Plantation Home Owners Association in Bluffton, SC. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a large nationwide network of independent advisors. The firm serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management and financial planning services through multiple program platforms and custodial relationships.

Daniel Brothers is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at Edward Jones since 2010. He holds the Series 66 designation and is based in Bluffton, SC. Edward Jones is a wealth management firm serving more than four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is notable for its large retail advisor network and affiliated capabilities beyond traditional advisory services.