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.

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.

Ellen Leboeuf is a financial advisor with LPL Financial, holding a Series 66 designation and over 22 years of industry experience. She previously worked at UBS Financial Services for 17 years and Merrill for 5 years. She is also involved with LeBoeuf Wealth Management LLC, an entity associated with her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers comprehensive advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Mark Womack is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market modeling techniques.

Matthew Hunt is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His career includes multiple tenures at Ameriprise and four years at Waddell & Reed. He is based in Hilton Head Island, 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 planning advice focused on retirement income strategies involving dependable income sources and tax-aware withdrawals.

Daniel Harris is a financial advisor with Mass Mutual Investors Services in Okatie, SC, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining his current firm in 2026, he worked at Northwestern Mutual in various roles from 2020 to 2026 and has experience at Newsbank, Inc. and Blackbaud. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and specialized programs such as divorce planning and employer-sponsored planning through annual, collaborative client relationships.

Michael Vulku is a CFP® professional with 32 years of industry experience, currently serving as an advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2009 to 2020. Vulku holds Series 63 and Series 65 licenses and is based in Hilton Head Island, South Carolina. Ameriprise provides retirement-income planning services aimed at individuals with substantial investable assets, offering tailored Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Cassandra Holland is a Financial Consultant at Fidelity Investments. She has been with Fidelity since 2017, progressing through roles including Customer Relations Advocate, Active Trader Specialist, Active Trader VIP Specialist, Brokerage Consultant, and currently serving as Financial Consultant since 2024. With nearly a decade of experience in the financial industry and almost two decades of military service, Cassandra applies a disciplined and thoughtful approach to financial planning. She is a CERTIFIED FINANCIAL PLANNER® professional and holds a California Insurance License. Outside of her professional work, Cassandra has personal interests that include beach activities, fitness, outdoor adventures, parenthood, pets, and traveling.

Amy Amico is a financial advisor with Merrill who holds Series 63 and Series 65 licenses and has 36 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018 and previously at Santander Securities, LLC from 2012 to 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 designed for individual, high-net-worth, pension, corporate, and charitable clients.

Melissa Messenger is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at various Fidelity entities since 2017, following a prior role at AXA Advisors. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios across mutual funds, ETFs, and ETPs.

Vincent Becker Jr. is a financial advisor with Raymond James & Associates in Bluffton, SC, holding Series 63 and Series 65 designations and 34 years of industry experience. He has been with Raymond James & Associates since 2009. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, investment consulting, and institutional fiduciary solutions, with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Matthew Kabala is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses, and has 11 years of industry experience. He has worked at Wells Fargo Clearing and Wells Fargo Advisors since 2016. In addition to his advisory role, he is involved with Princeton Harriman Insurance Solutions, providing insurance-related advisory services. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering investment and fee-based financial planning services. The firm provides a broad range of planning options and integrates advisory services with other financial products and referral channels.