Cathy Byrnside is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and over 21 years of industry experience. She has been with Raymond James Financial Services, Inc. since 2016 and has worked at Raymond James Financial Advisers since 2020. Outside of her advisory role, she is a lessor involved in rental real estate through The Byrnside Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and analytical tools tailored to client goals and supports advisory programs alongside specialized public-finance and SIMPLE IRA advisory services.

Jeffrey Clarke is a financial advisor with LPL Financial in Myrtle Beach, SC, holding a Series 63 license and 39 years of industry experience. His prior work includes roles at Ameriprise Financial Services, Clarke Financial Services, Principal Life Insurance Company, Principal Securities, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MSI Financial Services. He operates Clarke Financial Services LLC as a related business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm provides a range of financial planning, advisory programs, and brokerage services, with both discretionary and non-discretionary management supported by in-house and third-party research.

Lindsey Rider is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. She has previously worked at Truist Investment Services, BB&T Securities, BB&T Investment Services, and BB&T Bank. Outside of her advisory role, she serves as a South Carolina notary public in Myrtle Beach. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Matthew Falcon is a financial advisor with LPL Financial, holding a Series 66 designation. He joined the industry in 2025 and also has experience working with Harbor Financial Group. Prior to his advisory career, he held various roles including positions at Coastal Carolina University and Horry-Georgetown Technical College, as well as entrepreneurial experience with The Boat Shed Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to provide both discretionary and non-discretionary management.

Herman Watson is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been a part of the team since 2007. He leads an advisory team that focuses on helping clients develop goals-based wealth management strategies. Herman's approach emphasizes clear communication, aiding clients in understanding the narratives behind their financial data to facilitate logical decision-making throughout their financial journeys. His expertise encompasses family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. Herman holds a Bachelor of Science degree in Mechanical Engineering from the University of Florida and a Master's degree from East Carolina University. He has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional responsibilities, Herman spends time with his family engaged in activities such as boating, fishing, swimming, and traveling. He also enjoys exercising, playing the piano, and watching his children participate in sports.

Karen Tinnell is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2022 and previously held positions at Bank of America, Truist Financial, South State Bank, and East Coast Mobile. 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. The firm offers a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ronald Pellek is a financial advisor with Cetera, holding a Series 66 designation and bringing 20 years of industry experience. Prior to joining Cetera in 2025, he worked for Avantax Advisory Services and Avantax Investment Services for two decades. He is also the owner of RP Tax Service, providing tax preparation and accounting services since 1995. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary strategies.

Alec Berger is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. He has worked with Cetera Wealth Services, Commonwealth Financial Group, and Cetera since 2024. Prior to his financial services career, he held various roles including positions at Saltaire Kitchen and Gulfstream Cafe, as well as experience in education at Northern Lehigh High School/Middle School and Coastal Carolina University. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and their clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, spanning discretionary and non-discretionary program structures.

Yisrael Goldman is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and three years of industry experience. His career includes positions at Wells Fargo Bank and Farmers Insurance, as well as a decade at Zilberman Group. 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 a range of brokerage and advisory solutions supported by extensive research and analytics.

John Kulawiak is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera Investment Advisers LLC and Cetera Financial Specialists LLC since 2005. Additionally, he serves as a tax preparer and enrolled agent through Nerenberg & Kulawiak, Inc., providing income tax preparation, bookkeeping, payroll, and tax consulting services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and affiliations to provide access to both affiliated and third-party money managers.

Michael Farish is a CFP® and ChFC® with 36 years of experience in the financial industry. He currently works at Wells Fargo Clearing and has previously held positions at Truist Advisory Services, Truist Investment Services, BB&T Securities, and Scott & Stringfellow. Outside of his advisory work, he co-owns a bridal shop in Myrtle Beach, SC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tracy Raynor is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and offering 38 years of industry experience. Prior to joining LPL Financial in 2024, Raynor worked at Ameriprise and Wells Fargo Advisors. Raynor is also commissioned as a notary in South Carolina. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting with access to model portfolios and research from multiple sources.

Michelle Cumbie is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. Prior to joining Raymond James in 2025, she worked at Edward Jones for nine years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting supported by analytical tools and has unique affiliations that enhance its municipal and public-finance capabilities.

James Cunningham III is a Financial Advisor based in Myrtle Beach, South Carolina, working with Merrill Lynch Wealth Management. He focuses on assisting families as they transition toward retirement by developing comprehensive financial plans tailored to clients' needs, goals, and aspirations. His areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, tax minimization, and retirement income. Born and raised in South Carolina, James holds a Bachelor's Degree from Presbyterian College and has earned several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional work, James is active in his community through involvement with All Nations Cafe, a J1 Visa organization, and the Carolina Reef Foundation. He also pursues personal interests such as scuba diving, boating, camping, fishing, hiking, hunting, skiing, swimming, and traveling.

April Messimer is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in wealth management strategies, income management, and retirement services for individuals. April also assists clients with their credit and lending needs, including home financing, lines of credit, and securities-based loans through Bank of America, N.A. April earned her Bachelor's degree from Virginia Polytechnic Institute and State University. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, and additional professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She served on the Susan G. Komen South Carolina Board of Directors from 2017 to 2019. April lives in Myrtle Beach, South Carolina, with her daughter. Her personal interests include golfing, spending time with her family, and traveling.

Karen Large is a financial advisor with Edward Jones in Myrtle Beach, SC, holding Series 63, Series 65, and Series 66 designations and 25 years of industry experience. She has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a network of more than 23,700 advisors and offers a range of discretionary and non-discretionary strategies, as well as affiliated mutual funds and tax-efficient services.

Shannon Garcia is a financial advisor with Merrill in Myrtle Beach, SC, holding a Series 66 credential and bringing 11 years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies alongside trading, account administration, and custody support for a diverse client base including individuals, high-net-worth clients, and organizations.

Barry Capps is a financial advisor at Ameriprise in Myrtle Beach, SC, holding Series 63 and Series 65 licenses with 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services tailored to individuals approaching or in retirement with substantial investable assets, providing detailed recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers these services through a centralized consulting team in partnership with financial advisors and emphasizes the use of Ameriprise-managed accounts and algorithmic tools in its planning process.

Joseph Rincione is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 20 years of industry experience. He previously worked at VOYA Financial Advisors for seven years and has been with Cetera and Cetera Wealth Services since 2014. Outside of his advisory role, Rincione is an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC serves a broad clientele including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and unaffiliated investment managers.

Derrick Sehein is a financial advisor with Edward Jones in Murrells Inlet, SC. He holds a Series 66 designation and has prior work experience including service in the US Navy from 2010 to 2021. His background also includes roles at Coors Leadership Capital and Peak Claims Group. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages over $1 trillion in assets and offers a range of advisory programs, investment options, and affiliated services through a nationwide network of advisors and branches.