Michael Sirgo is a Senior Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management with over 29 years of experience in the financial services industry. His team focuses on creating tailored strategies that address retirement planning, lifelong income streams, and multigenerational legacy goals. Michael works closely with clients to understand their definitions of prosperity and to develop personalized financial paths aligned with their future aspirations. He emphasizes thorough communication and active listening to provide clients with clarity and resources throughout all life stages, whether they are preparing for retirement, investing, or managing wealth. Before joining Merrill Lynch Wealth Management in 2012, Michael served as a Financial Advisor at Morgan Stanley for 19 years and held the position of Branch Manager from 2002 to 2012, overseeing 15 financial advisors and branch operations. This experience helped him refine his goals-based wealth management approach. He combines the resources of Merrill and Bank of America with personal relationships to serve as a lifelong financial steward for his clients. Michael holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from Lincoln High School. Michael and his wife, Bernadette, have been long-time residents of Hilton Head Island since 1983, where they raised their three children. He has been an active member of St. Francis Catholic Church since 1986 and supports local charities including Hospice Care of the Lowcountry, the American Heart Association, and the American Cancer Society. His personal interests include cycling, stand-up paddleboarding, yoga, and coaching his youngest son's sports activities.

Molly Pappalardo is a financial advisor at Fidelity with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining Fidelity, she held roles at Amazon and Clemson University Marketing and Communications. She also has experience working with community organizations such as the Ambler Area YMCA and Twin Spring Farm Day School and Camp. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage diversified model portfolios drawn from mutual funds, ETFs, and ETPs.

Michael Mclaughlin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Windy Peavey is a financial advisor with Edward Jones in Okatie, SC, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs that include discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and maintains a large network of advisors and branch offices nationwide.

Sophia Short is a Planning Consultant at Fidelity Investments, based in the Hilton Head Island Investor Center. In this role, she provides planning guidance for both covered and uncovered clients, aiming to deliver service that fosters client confidence and strengthens client relationships. Sophia focuses on developing effective engagement strategies within the books of business she supports. Her professional experience includes positions as a Relationship Manager and Financial Representative at Fidelity Investments, as well as a Mortgage Broker at PMC Mortgage. These roles contribute to her understanding of financial planning and client management. Outside of her professional work, Sophia has interests in fitness, parenthood, and running.

Jodi Mccloskey is a financial advisor with LPL Financial in Conshohocken, PA, holding a Series 63 designation and 26 years of industry experience. She has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and advanced technologies.

John Bankhead is a financial advisor with Morgan Stanley in Bluffton, SC, holding Series 63 and Series 65 registrations and bringing 35 years of industry experience. His career includes roles at UBS Financial Services Inc. and Morgan Stanley Private Bank, N.A. He has been with Morgan Stanley since 2020. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through employer-sponsored agreements.

Richard Schnurr is a Vice President and Financial Consultant at Fidelity Investments, where he has been working since 2018 in various roles including Investment Consultant and Retirement Solutions Consultant. In his current capacity since 2021, he focuses on providing financial guidance to clients, particularly in areas such as tax-efficient investing, legacy planning, and retirement planning. Throughout his tenure at Fidelity Investments, Richard has developed expertise in helping clients pursue lasting financial freedom. He aims to collaborate with clients to design plans that reflect their commitment to saving and investing for the future, emphasizing a relationship grounded in trust and integrity. Richard holds a California Insurance License. Outside of his professional role, he engages in personal interests including family activities, football, golf, hiking, outdoor adventures, and traveling.

William Hickman is a financial advisor at Minas Wealth Management LLC with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Minas Wealth Management since 2008. Minas Wealth Management LLC serves individual clients and small retirement plans, providing portfolio management and pension consulting. The firm primarily manages assets on a non-discretionary basis, working closely with a small client base to implement investment decisions with client approval.