Steven Kocher is a Certified Financial Planner® with over 38 years of experience, currently serving at UBS Financial Services since 1987. He is based in Troy, MI, and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services that include proprietary research and tailored financial planning.

Mikel Chalmers is a Financial Consultant at Fidelity Investments, where he currently assists clients and their families in understanding and achieving their financial goals. He collaborates with clients to analyze all aspects of their financial lives and develops plans to work towards meeting those goals. Mikel has held several roles in the financial services industry, including Planning Consultant at Fidelity Investments from 2022 to 2023, and Paraplanner at Ameriprise Financial during 2020 and 2021. Prior to that, he was an Associate Advisor at Millennium Advisory Services from 2018 to 2020. He holds insurance licenses in both Arkansas and California.

Manish Mehta is a financial advisor with UBS Financial Services in Cary, NC, holding Series 65 and Series 66 credentials and bringing 25 years of industry experience. He previously worked at Merrill and Morgan Stanley before joining UBS in 2008. Outside of his advisory work, Mehta is involved in real estate investment and management through his ownership and decision-making roles in several related businesses. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and UBS Global Research to tailor client plans. The firm combines institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Sandra Gunnels is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, she held positions at various companies including Henson Novelties and Trophy Brewing and Pizza. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base and is noted for its use of algorithmic methods, formal advisory roles to registered investment companies, and established governance procedures.

Aaron Schmidt is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. He has worked at Fidelity Investments since 2021 and previously was employed by the University of North Carolina at Chapel Hill and Relias Learning. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios and is noted for its use of systematic methodologies, AI-driven research, and its advisory roles with registered investment companies and fund-of-funds.

Sam Ahmed is an Investment Solutions Representative III at Fidelity Investments, a role held since 2023. Prior to this position, Sam advanced through roles as Investment Solutions Representative II (2022-2023) and Investment Solutions Representative I (2021-2022) at Fidelity Investments. Earlier professional experience includes serving as a Relationship Manager at Wells Fargo from 2016 to 2021 and as a Teller at Wells Fargo from 2015 to 2016. Sam holds insurance licenses in Arkansas and California. He focuses on assisting clients in working towards their financial goals by being attentive to detail and an active listener, emphasizing long-term relationship building. Outside of his professional work, Sam engages in family activities, fitness, movies, parenthood, and traveling.

Zachary Payne is an Investment Solutions Representative III at Fidelity Investments. In this role, he provides clients with guidance on savings and investment strategies tailored to their individual goals, needs, and circumstances. He supports clients through various life stages and financial challenges, regularly reviewing and updating financial plans to align with changing priorities and market conditions. Zachary's professional experience includes roles as an Investment Consultant, Investment Solutions Representative II specializing in Fixed Income, Investment Solutions Representative, and High Net Worth Representative at Fidelity Investments. Prior to joining Fidelity, he worked as a Junior Financial Advisor at Raleigh Wealth Solutions and as a Financial Advisor at Equitable Advisors. Outside of his professional work, Zachary has interests in comedy, fishing, football, golf, spending time at the lake, and music.

Laneeca Taylor is a financial advisor at Morgan Stanley with 28 years of industry experience. She has held roles at Morgan Stanley Smith Barney since 2010, following four years at Citigroup Global Markets. Taylor holds Series 63 and Series 65 securities licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning services supported by proprietary tools and investment research, managing approximately $2.74 trillion in client assets.

Zachary Mc Donald is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation. Outside of his advisory role, he is involved with Guilford College United Methodist Church, where he manages and leads the church's audio-visual and streaming services. Charles Schwab & Co., Inc. serves a broad client base including 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach with centralized operational and supervisory infrastructure.

Benjamin Baumberger is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques while generally acting in an advisory capacity for its clients.

Diana Na is a financial advisor at Fidelity with four years of industry experience. She holds the Series 66 designation and has worked at Fidelity Investments since 2022, following prior roles at Wells Fargo from 2016 to 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Timothy Healy is a financial advisor with Fidelity Investments in Durham, NC, holding Series 63 and Series 66 designations and two years of industry experience. His prior work includes roles at Fidelity and Next Level Academy, as well as a 15-year tenure at Cardinal Gibbons High School. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to a diverse client base, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Mark Scarbrough is a financial advisor with Mass Mutual Investors Services in Cary, NC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of his advisory role, he is the president and owner of Mainmast Financial Group, Inc., and an owner/member of Encompass Financial Partners, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative client engagements and recommending investment strategies without discretionary authority.

Carroll Webb is a financial advisor at Fidelity Investments with 12 years of industry experience and holds a Series 66 designation. His prior work includes roles at Regions Bank, H&R Block, LPL Financial, and Woodland Community College. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is noted for its use of systematic methodologies and AI-driven research tools.

Gary Elefante is a CFP® professional with 24 years of industry experience, currently serving as an advisor at LPL Financial since 2007. Prior to joining LPL, he worked for Equitable Advisors for six years. His outside activities include placing new fixed insurance business through Crump Insurance Services as a producer. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Cameron Pait is a financial advisor with J.P. Morgan Securities in Durham, NC, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. His prior experience includes roles at Bank of America N.A. and Merrill. Outside of his advisory work, he is a minority owner of a family real estate business with minimal involvement. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority. The firm combines quantitative and qualitative research to develop model asset allocations and offers broader derivatives and commodities capabilities.

Adriana Turner is a financial advisor at Fidelity with four years of industry experience. She holds a Series 66 designation and has worked with Fidelity Investments since 2021. Prior to her advisory role, she was employed as a retail associate at Lululemon Athletica. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and model investment solutions.

Elizabeth Bass is a financial advisor with Morgan Stanley in Chapel Hill, NC, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2014. Bass serves as a board member of the Croasdaile Country Club in Durham, North Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning and a structured discovery process using firm-approved tools.

Michael Rowlands is a Planning Consultant specializing in financial planning. He collaborates with Financial Consultants to co-create financial plans tailored to clients' needs. His work centers on helping clients understand retirement planning and appropriate investment strategies. He holds insurance licenses in Arkansas and California, supporting his role in advising clients on suitable financial solutions.

Michelle Redman is a financial advisor at Fidelity with four years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, previously gaining experience at BB&T and Carter Bank and Trust. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver discretionary and non-discretionary advisory solutions, including fund advisory and model portfolios.