Timothy Cosby Jr. is a Series 66-licensed advisor with Vanguard Advisers in Charlotte, NC, and has five years of industry experience. His work history includes roles at The Vanguard Group, Inc. since 2021 and prior positions in both financial services and retail. Outside of advising, he has a non-investment role as a drummer in a retail/service capacity. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, supporting customization and tax-aware strategies.

Emily Morgenthaler is a Series 66 licensed financial advisor with four years of industry experience, currently with Vanguard Advisers in Charlotte, NC. Prior to joining Vanguard in 2022, she worked in various roles at companies including Sona Dermatology and Stuart Weitzman. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through both automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through a digital platform.

Stephen Abercrombie is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining Fidelity, he worked at The Vanguard Group, Inc. for 17 years. Fidelity’s affiliate Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also manages multiple registered investment companies and utilizes systematic methodologies and long-term asset allocation benchmarks.

Ra'shanda Williams is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and having 12 years of industry experience. She has been with The Vanguard Group, Inc. since 2014. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, offering goal-based, algorithm-driven portfolio management primarily using Vanguard funds and ETFs. The firm combines digital delivery with a large advisor team, managing hundreds of thousands of client relationships.

Mary Michael is a financial advisor at Edward Jones with seven years of industry experience. She has worked at Edward Jones since 2018 and previously held roles at Storr Office Environments and Palm Avenue. Outside of her advisory work, she is a co-owner of Hill Lane Home and Embroidery, an online retail business specializing in embroidery and design. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non‑high‑net‑worth and high‑net‑worth households. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and offers a range of advisory programs, including discretionary and non‑discretionary strategies, separately managed accounts, and affiliated mutual funds.

Kirk Messick is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2012. He began his career in the financial services industry in 2006 with Wachovia Securities. Kirk holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his high school diploma from West Iredell High School. With over sixteen years of experience, Kirk focuses on goal setting and retirement planning, specializing in consolidation and distribution of retirement and pension plans. He employs Goals Based Wealth Management, creating personalized strategies to help clients pursue their financial goals through a structured process of defining objectives and implementing solutions. His approach emphasizes putting the client's interests first and building trust through integrity and hard work. Outside of his professional role, Kirk participates in community activities such as coaching the All Pro Dads Odell Elementary Chapter and serving as an Assistant Scoutmaster for the Boy Scouts of America. His personal interests include hiking, spending time with his family, and watching movies.

Justin Marshall is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has been with Vanguard Advisers since 2016 and also works with Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through its digital platform and team servicing model.

Adam Mielke is a financial advisor with Vanguard Advisers and holds a Series 66 designation. He has five years of experience in the industry, including roles at Vanguard Advisers and The Vanguard Group, Inc. Prior to that, he worked at Northwestern Mutual Life Insurance Company and was self-employed. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, supported by a large team of advisors and digital delivery.

William Haugen is a CFP® professional with 56 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He serves as a board member of the Downtown Development Association of Morganton, NC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions.

Ken Carlson is a CFP® with five years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has held roles within The Vanguard Group and Vanguard Marketing Corporation since 2021 and has prior experience at Techtronic Industries and Delta Airlines. Carlson is also the owner of an investment-related rental property business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to deliver personalized asset allocations, with portfolios largely composed of Vanguard funds and ETFs.

Robert Fox is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with Vanguard Advisers since 2019 and has been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. He also serves as an executor for an immediate family member’s estate. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

John Shaffer is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Corpay and Wells Fargo Advisors. 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 grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Christopher Charte is a CFP® professional with nine years of industry experience, currently serving as an advisor at Vanguard Advisers in Charlotte, NC. His career includes multiple roles at The Vanguard Group, Inc., along with prior experience at Selective Wealth Management and Barrett-Johnson & Associates. Vanguard Advisers provides automated and human-supported investment advice through services tailored for retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base with a combination of digital platforms and advisor support.

Thomas Francomano is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he partners with individuals, families, and business owners to accumulate and preserve wealth tailored to their short and long-term goals. He joined The Lake Norman Group of Merrill Lynch Wealth Management in 2018 as a Financial Advisor in Boulder, CO, and returned to the Charlotte, NC area in 2020. Thomas works closely with clients to develop customized and comprehensive wealth management strategies that consider their risk tolerance and the dynamics of changing markets. He provides regular reviews and periodic contact to track progress towards goals and make appropriate recommendations. His expertise includes areas such as college education planning, corporate benefits, divorce transition planning, and retirement planning. He holds a Bachelor's Degree from Colorado State University and has earned the designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Thomas is involved in the Lake Norman Chamber of Commerce and participates in community activities, including coaching youth lacrosse and volunteering with the Big Brother Big Sister program.

Nicholas Harris is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and five years of industry experience. He previously worked at BB&T for three years and has been with The Vanguard Group since 2021. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, delivering services at scale through a combination of digital platforms and advisor teams.

Onyinyechuku Nwokorie is a CFP® professional affiliated with Vanguard Advisers, with eight years of industry experience. His prior roles include positions at Fidelity Investments, T. Rowe Price, and PNC Bank. Currently based in Charlotte, NC, he has been with Vanguard and its affiliated entities since 2026. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized portfolios predominantly composed of Vanguard funds and ETFs, supporting a large client base through a combination of digital platforms and advisory teams.

James Gniadek is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and five years of industry experience. He has been with Vanguard and its affiliates since 2021. Prior to his current role, his work experience includes various positions outside the financial industry and at the University of North Carolina at Chapel Hill. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios primarily composed of Vanguard funds and ETFs, supported by a large team of advisors and a scalable digital platform.

Jackson Klein is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 65 and Series 66 licenses and has one year of industry experience. Prior to joining Vanguard, he worked at Morgan Stanley and United Community Bank, Inc. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

William Fisher is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and six years of industry experience. His career includes roles at Edward Jones and Mountain Credit Union prior to joining Vanguard in 2022. Outside of finance, he has experience with the Ramsey Activity Center and Bardo Arts Center. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm’s scale and digital delivery model support a large client base through a combination of technology and advisory teams.

Paul Jackson is a financial advisor at Morgan Stanley with 28 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. He holds the Series 63 and Series 65 credentials. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs, managing approximately $2.74 trillion in client assets.