Carlos Fonseca is a financial advisor with Morgan Stanley in Asheville, NC, holding a Series 66 designation and 22 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley since 2015. Outside of his advisory role, he is the sole proprietor of Libertas Investments LLC, an investment and real estate business based in Asheville. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates from its Global Investment Committee.

Chris Amys is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 17 years of industry experience. He has worked at Raymond James since 2018 and previously spent seven years with Wells Fargo Advisors. Amys is also a partner at Elk Mountain Wealth Partners in Asheville, NC. 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, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools to support client decision-making while maintaining specialized services such as municipal advisory and SIMPLE IRA consulting.

Luke Mc Kelvy is a financial advisor with Raymond James Financial, holding a Series 66 designation and 18 years of industry experience. He worked at Commonwealth Financial Network for 12 years before joining Raymond James in 2025. Outside of his advisory role, he serves as acting trustee and power of attorney for a family trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm employs a non-discretionary approach tailored to client goals, utilizing analytical tools and supports municipal and public finance through a unique municipal advisor affiliation.

Oscar Starnes IV is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as chair of the investment committee for Pisgah Legal Services and is a board member of the Lake Summit Property Owners Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process is based on modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Joshua Hix is a financial advisor with Morgan Stanley in Asheville, NC, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, National Association. Outside of his advisory role, he serves as an executor on an estate in North Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Frankie Adkins is a financial advisor at Edward Jones in Asheville, NC, holding CFP®, ChFC®, and Series 66 credentials with seven years of industry experience. Prior to joining Edward Jones in 2018, Frankie worked at Outdoorsy and Allergan. Outside of advising, Frankie operates an RV rental business in Asheville. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Laurie Gerdy is a CFP®-certified financial advisor with 19 years of industry experience, currently with Ameriprise in Weaverville, NC. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2015. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

John Rinker is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2003 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is a partner in a dietary supplement drink business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and incorporates proprietary research and model-based asset allocations in its advisory approach.

Mark Scott is a Series 66-licensed financial advisor with Thrivent Investment Management in Asheville, NC, where he has worked since 2016. He has nine years of industry experience and previously worked at FFSDC from 2013 to 2016. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering comprehensive written recommendations on various planning topics without implementation. The firm offers holistic, goal-based analyses and allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan.

Janet Byas is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Commonwealth Financial Network and LPL Financial. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers comprehensive financial planning and investment management services through a network of independent Financial Professionals, utilizing a range of portfolio management and advisory strategies.

Skyler Duncan is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since starting his practice in 2020, he has developed a goals-based and solutions-focused planning approach that integrates financial planning and investment resources with access to specialists representing Bank of America's eight lines of business. Skyler's work aims to provide clients with planning, support, and advice that create certainty in an unpredictable world and help align their financial lives with both short and long-term objectives. Skyler's areas of client focus include college education planning, family wealth management strategies, legacy planning, LGBT wealth planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, women and wealth, and retirement income. He joined Merrill in 2019 and holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Private Wealth Advisor (CPWA), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). He earned a bachelor's degree from Elmira College, where he double majored in Business Administration and Psychology. Born and raised in Southern Vermont, Skyler is active in his community and regularly volunteers with the Rotary Club of Asheville. He is also involved with the YMCA of Western North Carolina. Outside of his professional commitments, Skyler enjoys baseball, basketball, cooking, golfing, hiking, hunting, skiing, woodworking, traveling, and spending time with his wife, Taylor, their daughter, Lainey, and their two dogs.

Gregory Vickers is a Series 66 licensed financial advisor with nine years of industry experience. He has worked at Edward Jones across multiple periods since 2016, with prior roles at Renasant Bank and LPL Financial. 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, separately managed accounts, and affiliated mutual funds, managing approximately $1.01 trillion in assets.

Michael Andry is a financial advisor with Morgan Stanley in Asheville, NC, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing, Wachovia Bank, and Wells Fargo Advisors prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2020. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and maintains a broad mix of retail and institutional investment services.

David Wilhelm is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds Series 63 and Series 65 designations and is based in Asheville, NC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers comprehensive financial planning and a wide range of advisory programs supported by structured planning tools and investment insights.

Alan Ward is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for seven years. Outside of his advisory role, he owns and operates Saint Paul Vineyards and Saint Paul Farms in Hendersonville, NC. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and offers a range of brokerage and advisory solutions supported by Wells Fargo Investment Institute.

William Wells is a financial advisor with Charles Schwab in Asheville, NC, holding Series 63 and Series 66 credentials and 32 years of industry experience. He has worked at Charles Schwab since 1997 and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance, using multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

Melissa Kledis is a financial advisor with LPL Financial in Asheville, NC, holding a Series 66 designation and 15 years of industry experience. She previously worked at Edward Jones from 2011 to 2015 before joining LPL Financial in 2015. In addition to her advisory role, she serves as an office manager at Peridot Consulting. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced research and operational tools.

Dustin Schlabach is a financial advisor with LPL Financial, holding the ChFC® designation and Series 66 license. He has 10 years of industry experience, including nine years at Edward Jones before joining LPL Financial in 2025. 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 a range of advisory and brokerage services, utilizing both proprietary and third-party investment strategies, supported by technology tools and a broad platform that includes insurance and banking partnerships.

Carter Bagley Jr. is a financial advisor with UBS Financial Services in Asheville, NC, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2013. Outside of his advisory role, he is involved with Brookside Investments LLC, focusing on record keeping. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Shaina Rogers is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and its affiliated WELLS FARGO Advisors since 2010. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.