Jona Kimbro is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, Jona held positions at Dell Technologies and worked in various roles related to higher education and staffing. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and maintains a large network of financial advisors across the United States.

Judson Ruhl is a Series 66-licensed financial advisor with Merrill, based in Bluffton, SC, with five years of industry experience. He has worked at both Merrill and Bank of America, N.A. since 2016. Merrill, together with Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary strategies designed by internal and third-party managers for a range of individual and institutional clients.

Kevin Courtney is a financial advisor with Morgan Stanley, holding a Series 66 designation and 26 years of industry experience. His previous roles include positions at Citigroup Global Markets and A.G. Edwards & Sons, Inc. He serves on the stewardship committee of Providence Presbyterian Church in Hilton Head Island, managing the church’s finances and encouraging membership giving. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and analyses.

Rebecca Hickman is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 19 years of industry experience. She has worked at Raymond James since 2019, following prior roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipalities, offering a range of financial planning and investment consulting services with generally non-discretionary client relationships.

Ryan Berry is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America, N.A., among other related entities. 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, institutions, and charitable organizations.

Susan Graziano is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and 13 years of industry experience. She has worked at Raymond James & Associates since 2020 and previously at Wells Fargo Clearing from 2016 to 2020. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and public entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services, supported by a range of portfolio management styles and affiliated research.

Katherine Phifer is a CFP® professional with 19 years of experience in the financial services industry. She has worked at Wells Fargo Clearing since 2016 and previously at Merrill from 2007 to 2010. Phifer serves on the finance committee of the Beaufort County Open Land Trust. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

William Stuckart is a financial advisor with Cetera in Bluffton, SC, holding a Series 66 designation and 10 years of industry experience. He has worked at firms including Bank of America, Merrill, and Summit Financial Group. Outside of advising, he serves as Membership Chairman for the Vanlandingham Rotary Board and as Treasurer for Harbor 20 Fleet 3. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Marida Bruggeman is a financial advisor with Ameriprise Financial Services and holds Series 63 and Series 66 designations. She has 20 years of industry experience, having previously worked at Wells Fargo Clearing and Wachovia Bank, N.A. She is based in Bluffton, South Carolina. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Gary Bezilla is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 licenses and 41 years of industry experience. His prior experience includes roles at Merrill and Morgan Stanley DW Inc. He is based in Hilton Head Island, SC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm combines brokerage and advisory solutions supported by extensive research and analytics, managing roughly $671 billion in client assets through a large network of over 14,000 advisors.

Samuel Cage is the Vice President and Financial Consultant at Fidelity Investments. He has held various roles within Fidelity Investments since 2014, progressing through positions such as Financial Consultant, Workplace Planning Consultant III, Retirement Relationship Manager, and several others related to financial representation and investment solutions. His professional experience spans over a decade, during which he has focused on helping clients and their families advance toward their financial goals through a client-centered planning process. Samuel's career reflects a consistent commitment to financial consulting and retirement solutions. Outside of his professional work, Samuel enjoys activities such as biking, family activities, golf, hiking, and running.

Luke Schultz is Vice President and Financial Consultant at Fidelity Investments. He began his career at Fidelity in 2012, progressing through roles including Trader, Premium Relationship Associate, Investment Solutions Representative, Retirement Solutions Representative, Retirement Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2022. Drawing on his professional start in the United States Marine Corps, Schultz applies discipline and attention to detail in his work. He follows a three-step process focused on understanding client situations and priorities, analyzing these situations, and partnering with clients to develop and maintain personalized financial strategies. Outside of his professional responsibilities, Schultz has interests in board games, fitness, hiking, outdoor adventures, military service, and parenthood.

Sarah Reed is a CFP® professional with 18 years of experience in the financial industry, currently serving at Edward Jones since 2008. She holds the Series 66 designation and is based in Bluffton, South Carolina. Outside of her advisory role, she is involved in managing her own businesses, including Isabella Marie LLC and Abigail Jean LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.

Leonard Mangiaracina Jr. is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Bank of America, Merrill, and AllianceBernstein. Outside of his advisory role, he is a partner in YHSea LLC, a real estate investment venture. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize firm-approved tools and methodologies to guide client decisions.

Cory Smith is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked at Cetera and its related entities since 2022, alongside a tenure at Regions Bank beginning in 2015. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and planning services, utilizing a multi-manager platform with various program structures and custodial relationships.

Robin Monleon is a financial advisor at UBS Financial Services with 20 years of industry experience. He holds the Series 66 designation and has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Justin Marcus is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior roles include positions at VOYA Financial Advisors and ownership of Jstntym Financial & Insurance Solutions, Inc. He is also licensed as an insurance agent, selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a multi-manager platform that incorporates affiliated and third-party managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Ryan Salisbury is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has worked at several firms, including Adirondack Trust Company and Saratoga National. Outside of his advisory role, he is involved in a boat rental business based in Hilton Head Island, where he assists with various operational tasks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and offer advisory solutions.

Libby Norris is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. In this position, she focuses on building deep relationships with clients to understand their unique financial goals and preferences. She employs a collaborative and educational approach to guide clients and their families in developing financial plans aimed at providing peace of mind. Prior to joining Fidelity Investments, Libby worked at Vanguard from 2017 to 2023, where she held several roles including Retail Sales Manager, Senior Sales Consultant, Sales Consultant, and Brokerage Investment Professional. This extensive experience has contributed to her expertise in wealth planning and client relationship management. Outside of her professional career, Libby has interests in cooking and baking, fitness, reading, and volunteering.

Elizabeth Cutshall is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She joined Wells Fargo in 2016 after a brief tenure at Merrill in 2009-2010. Outside of her advisory role, she is a commissioned notary public in South Carolina. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm uses research and analytics to support diversified investment approaches and offers a range of brokerage and advisory solutions.