Elizabeth Kramer is a financial advisor at Merrill with 14 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at FNB Corporation, Essey Consulting Group, and WebsterRogers LLP. In addition to her advisory role, she serves as an officer of Essey Consulting LLC, providing general consulting and research. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary investment strategies for a range of individual and institutional clients.

Andrew Smith is a financial advisor with Wells Fargo Clearing in Charleston, SC, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is an officer of Devine Design, a non-investment-related business based in Kiawah Island, SC. 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 incorporates modern portfolio theory, serving as an ERISA fiduciary and including a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Matthew Bride is a financial advisor with Merrill in Charleston, SC, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2014. Merrill, together 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Catherine Latto is a CFP® professional with 41 years of industry experience, currently serving as an advisor at Osaic Wealth, Inc. since 2018. She previously worked at Signator Investors, Inc. and has been the owner and president of Latto & Associates Inc. since 1982, where she also engages in selling fixed insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of advisers. The firm offers a range of brokerage, advisory, and financial planning services, utilizing various investment tools and access to multiple third-party platforms.

Elizabeth Parker is a financial advisor with Raymond James & Associates, holding a Series 66 designation and totaling two years of industry experience. Her prior roles include positions at UBS Financial Services and The University of Alabama. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, providing financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Susan Alvarez is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bayview Manor and Agape Hospice. Outside of her advisory role, she holds power of attorney responsibilities for family members. Merrill, together 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jesse Lempesis is a financial advisor with Mass Mutual Investors Services in Charleston, SC, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He previously worked at MetLife Securities Inc. and holds officer and agent positions in various consulting and marketing firms, including Affluence Consulting Group LLC and Affluence Marketing Group LLC. He also serves as a board member for the One Cool Blow Condominium Association. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative financial planning engagements using firm-approved tools and offers programs including wrap accounts, money-manager programs, and educational seminars.

James Richman is a financial advisor with Morgan Stanley in Charleston, SC, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support client financial goals.

Richard Horne Jr. is a CFP®-certified financial advisor with Edward Jones in Charleston, SC, where he has worked since 2000. He holds Series 63 and Series 66 licenses and has 30 years of industry experience. 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 discretionary and non-discretionary investment strategies, including separately managed accounts and proprietary mutual funds, operating under a fiduciary standard.

Lauren Liles is a CFP® professional affiliated with Raymond James & Associates, with eight years of industry experience. She previously worked at Sagacious Partners for three years and took a one-year maternity leave before joining Raymond James in 2018. 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 charitable organizations, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Matthew Stanhope is a financial advisor with Robert W. Baird & Co., holding Series 63 and Series 66 credentials and nine years of industry experience. His prior roles include positions at E*TRADE Capital Management, E*TRADE Securities, and Charles Schwab. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individual, corporate, pension, and charitable clients. Baird offers a range of services including financial planning, portfolio management, and custody, employing various SMA strategies, tax management, and model-traded approaches supported by internal research and tools.

Rhetta Moore is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in institutional investing at Aetna in Hartford, Connecticut, where she held roles in Alternative Investments and Fixed Income. Rhetta brings her investment analysis background and a disciplined decision-making process to her current role, working closely with clients and their families to understand their priorities, values, and goals. She specializes in college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, and women and wealth. Rhetta works on a family team with her mother and brother, collectively bringing over 40 years of experience to their ongoing planning process that helps clients adapt as life and markets change. Rhetta is an alumna of the University of North Florida, where she earned a Bachelor of Business Administration in International Business, a Bachelor of Arts in Spanish, a Master of Business Administration, and a Master of Science in Business Analytics. She is a Personal Investment Advisor (PIA) and is a member of Christ Our King Catholic Church. Rhetta was born and raised in Charleston and is involved in basketball coaching; she enjoys spending time with family and engaging in activities such as boating, gardening, pickleball, running, scrapbooking, surfing, traveling, and writing.

Carlos Reynoso is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Truist Advisory Services, JPMorgan Chase Bank, and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Samuel Winkler is a CFP® with nine years of industry experience, currently affiliated with Cetera. He has worked with Cetera Advisors LLC since 2017 and is a co-owner of Thiem McCutchen Winkler CPAs PA, a tax preparation firm. Winkler is also a partner at Lowcountry Financial Group, where he provides financial planning and investment advice. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and third-party managers.

Joseph Martinez is a financial advisor with Thrivent Investment Management in Mount Pleasant, SC, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior work includes roles at Northwestern Mutual Investment Services LLC, Compass Group, the University of Denver, and Lincoln Financial Network Corporation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on a variety of financial and planning topics without portfolio management or institutional advisory services. The firm emphasizes holistic, goal-based analyses and offers clients the option to combine planning with managed-account programs under consolidated billing.

Ronald Hunter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Walton Robinson is a financial advisor at Morgan Stanley with 38 years of industry experience. He holds a Series 63 designation and has worked at various Morgan Stanley entities since 2008, including the Private Bank and Smith Barney divisions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services, integrating firm-approved tools and research in its structured planning process.

Stephen Smith is a financial advisor with LPL Financial, holding a Series 66 credential and 17 years of industry experience. His prior work includes 16 years at Next Financial Group Inc and one year at Edward Jones. 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 including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Megan Schieber is a financial advisor with Morgan Stanley, holding a Series 66 designation and having four years of industry experience. She previously worked at Merrill from 2015 to 2023 before joining Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Jon Seward is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, he held positions at Smartsheet and AT&T. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including model portfolios delivered to intermediary platforms.