Michelle La Penna is a financial advisor at Merrill with four years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at the Infrastructure Group, State Farm - Tom Leonard Agency, and Millennium Management. Outside of her advisory role, she holds a power of attorney position with a nonprofit organization based in South Carolina. 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, pension plans, corporations, and charitable organizations.

Anthony Di Nardo is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has one year of industry experience and has been associated with Cambridge Investment Research Advisors since 2026. Outside of his advisory role, he works as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals and supports multiple portfolio management and platform solutions.

Brian Brown is a financial advisor at Cetera with 15 years of industry experience. He holds a Series 66 designation and has previously worked with Commonwealth Financial Group and Minnesota Life Insurance Company. Outside of advisory roles, he is also an agent/broker involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers.

Jason Atkinson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee for an investment-related trust in Myrtle Beach, SC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Scott McDermott is a financial advisor with Raymond James Financial in Myrtle Beach, SC, holding Series 63, 65, and 66 designations and bringing 32 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2010. McDermott is a partner in MA Capital LP and co-owner of McDermott Armati Wealth Strategies LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, supporting clients through various advisory programs and maintaining specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Danielle Sollecito is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors, LLC. 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 grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Steven Starnes is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He began his career with Merrill Lynch Wealth Management in 1997 after earning a Bachelor's degree in Finance and Economics from Bloomsburg University in Pennsylvania. Steven is a qualified Portfolio Manager who provides traditional advice and guidance, and also builds and manages personalized or defined investment strategies for clients. These strategies may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. When servicing clients through the Firm’s Investment Advisory Program, he may manage strategies on a discretionary basis. Steven works closely with high net worth clients and Firm specialists to develop strategies across estate and trust planning, credit and lending solutions through Bank of America, insurance, and risk management of concentrated stock. He has earned several professional designations, including the CERTIFIED FINANCIAL PLANNER® certification and the Chartered Retirement Planning Counselor™ designation. He currently serves on Coastal Carolina University's Finance Advisory Board. Steven lives in Myrtle Beach, South Carolina with his wife, Amy, and their three children. In his free time, he coaches soccer and enjoys playing tennis, golf, and basketball. He is also involved with Habitat for Humanity.

River Williams is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2021, he worked at Holiday Sands North and Ocean Lakes Pharmacy. Ameriprise offers retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice through a centralized consulting team.

Tonie Baldwin is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1987. 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, pension plans, corporations, and charitable organizations.

Anthony Holdaway is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. He has been associated with Merrill since 2017 and also works with Bank of America, N.A. Prior to his financial career, he was employed by Enterprise Rent A Car from 2015 to 2017. Outside of his advisory role, he co-owns a rental property in Myrtle Beach, South Carolina. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Taylor is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1998 following 21 years of active duty service as a U.S. Army Armor Officer, where he held various leadership roles including tank platoon leader, company commander, and battalion executive officer. He holds a Bachelor of Arts degree in History and English from Trinity University, a Master of Business Administration from Webster University, and a Master of Arts in Military History from the U.S. Army Command and General Staff College. Benjamin holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as Series 7 and 66 FINRA registrations. In his personal time, Benjamin is involved with his church and the Boy Scouts of America in San Antonio. He participates in water skiing activities and supports related tournaments sanctioned by the American Water Ski Association. He and his wife, Anne, reside in Helotes, Texas, and enjoy traveling to visit their grown children and grandchildren.

Lorraine Hoover is a Series 66 licensed advisor with six years of industry experience. She has worked at Wells Fargo Clearing since 2019 and previously spent eleven years at SunTrust Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Mccarthy is a financial advisor with Cetera and holds Series 63 and Series 66 designations. He has 33 years of industry experience, including prior roles at LPL Financial LLC and Kestra Financial Services, Inc. Mccarthy is also the managing member of Regal Wealth Advisors, where he manages business and financial planning activities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with over 10,000 advisors and $256 billion in assets under management.

Kevin Pryor is a Series 66-registered advisor at Merrill with 33 years of industry experience. He has been with Merrill and its affiliate Bank of America since 2015. 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 range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Hunter Furrow is a financial advisor at LPL Enterprise with six years of industry experience. He holds the Series 66 designation and has worked previously at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, Furrow operates Furrow Financial, LLC, a business related to his LPL activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

Charles Lee is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with LPL Financial since 2007. 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 of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, third-party subadvisors, and various technologies to support diversified investment strategies.

Scott Hurston is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Myrtle Beach, South Carolina. He began his career in financial advising in 1988 and concentrates on providing clients with individualized financial and investment strategies. Scott emphasizes developing strong, ongoing relationships with clients and offering guidance as their life situations evolve. His expertise includes education and retirement planning, estate planning services in conjunction with attorneys, life insurance analysis, fixed income investing, and retirement income strategies. He works with individuals and families to help achieve personal and financial goals by incorporating wealth management strategies aligned with their unique objectives and risk tolerance. Scott holds the CERTIFIED FINANCIAL PLANNER (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc. He also completed an executive education program for financial advisors at the Wharton School of Business, University of Pennsylvania, and earned a Bachelor's Degree from the University of South Carolina System. He resides in Myrtle Beach with his family.

Carol Claytor is a Series 66 licensed financial advisor at Merrill with seven years of industry experience. She previously worked for PNC Bank, N.A. from 2013 to 2018 before joining Merrill in 2018. 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 developed by internal CIO teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Faith Krasula is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. Her background includes roles at Beck Bode, LLC, self-employment, and teaching positions at Coastal Carolina University, Anderson University, and Aynor High School. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Goodwin is a financial advisor at Morgan Stanley with 35 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank, National Association since 2015. His prior experience includes work at Citigroup Global Markets dating back to 1990. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning supported by structured processes and firm-approved tools.