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.

Armin Wahl is a financial advisor at Edward Jones in Beaufort, SC, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2014. Outside of advising, Wahl is involved in making custom fishing rigs for local tackle shops through a small business in Bluffton, SC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment products.

Nicole Herron is a Benefits & Planning Consultant specializing in Executive Services at Fidelity Investments. In this role, she partners with executives to help them understand their employer benefits and supports them in developing confidence in their financial plans through a consultative approach. Nicole has extensive experience within Fidelity Investments, having held various positions since 2013, including Planning Consultant, Relationship Manager, Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked at Suntrust Bank as a Personal Banker and at Sterling Capital Management LLC as an Investment Associate. Outside of her professional work, Nicole has personal interests that include boating, cooking and baking, fitness, football, gardening, and spending time with her pets.

A. Danielle Troutman serves as the Senior Resident Director and Senior Financial Advisor at the Merrill office in Beaufort, South Carolina. She leads a team that focuses on providing wealth management services to generations of affluent families, including corporate executives, institutions, business owners, non-profit organizations, retirees, and widows. Danielle's approach integrates a client-focused strategy with the firm's goals-based wealth management process, global thought leadership, and advanced technological tools to assist clients in planning for their current and future financial needs. Danielle began her career in financial services in 2010 after several years in commercial real estate development and property management. Her expertise includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. She works closely with individuals and families to understand their financial situations and facilitate the attainment of their personal goals, such as funding education, ensuring retirement readiness, managing healthcare costs, and facilitating intergenerational wealth transfer. She graduated Magna Cum Laude from American InterContinental University with a Bachelor's degree in Marketing and holds the Personal Investment Advisor (PIA) designation. Danielle is active in her community, having served as the past President of the Board of Directors for Child Abuse Prevention Associates, a former board member of the Boys and Girls Club of Northern Beaufort County, and a volunteer at Riverview Charter School. She has also contributed to fundraising efforts for Beaufort Memorial Hospital Foundation, Friends of Caroline Hospice, and Young Life of Beaufort. Danielle resides on Lady's Island with her husband John and their four sons.

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.

Herbert Tanner is a CFP®-certified financial advisor with 42 years of industry experience, currently serving at OSAIC since 2017. His prior experience includes roles at INVEST Financial Corp. and Hand & Tanner Financial Group Inc., where he has held leadership positions. Tanner is involved in several community and nonprofit activities, including serving as past commodore of the Beaufort Water Festival, a board member of Garden City Chapel and Retreat, and on the endowment committee for United Way of the Lowcountry. He also holds leadership roles in religious organizations and civic foundations. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services. The firm’s investment approach involves model-based asset allocation and portfolio optimization, utilizing risk assessments and multiple program options, supported by a complex affiliate network and significant scale.

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.