Ray Evans IV is a financial advisor at UBS Financial Services with a Series 66 designation. He joined UBS in 2026 and has prior experience at IFC Advisors and Vuori, as well as a background that includes roles at Santa Clara University and the Country Club of Charleston. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.

Danny Young is a CFP® and ChFC® with 40 years of experience in the financial services industry. He has worked with OSAIC since 2025 and previously held positions at Lincoln Financial Securities and Collins and Associates. In addition to his advisory role, he manages an insurance agency specializing in life insurance, annuities, and health insurance products. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, and corporate clients, offering a broad range of brokerage and advisory services. The firm’s investment approach includes model-based asset allocation and portfolio optimization, leveraging multiple custodial platforms and third-party managers.

Melissa Horne is the Vice President, Wealth Planner at Fidelity Investments. In this role, she works with high net worth individuals and families to help preserve and grow their wealth while aligning financial strategies with clients' personal values, family goals, and long-term legacy plans. She emphasizes delivering clarity, structure, and confidence across all aspects of a client's financial life. Ms. Horne has extensive experience in financial services, having held positions as a Financial Consultant at Fidelity Investments from 2022 to 2023, a Senior Registered Associate at Morgan Stanley from 2020 to 2022, and an Equity Salestrader at Deutsche Bank from 2005 to 2018. Her personal interests include boating, cars, concerts, food, and traveling.

Craig Hoffman is a financial advisor at Cambridge Investment Research Advisors with a Series 65 designation. He joined the firm in 2026 and has previous experience working with companies such as Lyft, Uber, DoorDash, and Greystar Real Estate Partners. Outside the financial industry, he has been involved with Melalueca for over ten years. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and offers access to multiple platforms, third-party advisers, and proprietary model strategies under the Founders Gate Capital brand.

Paul Shorter Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. in Charleston, SC, holding a Series 66 designation and bringing 15 years of industry experience. His prior experience includes roles at Truist Advisory Services, Truist/SunTrust Investment Services, and SunTrust Bank. He is also involved with Pinnacle Asset Management as a licensed bank advisor, where he discusses banking and investment needs with clients. 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, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal finance work through an affiliated municipal advisor.

Lester Chou is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, he owns a business entity used to manage expenses related to his Ameriprise franchise. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients in or approaching retirement.

Adam Sciuto is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Thrivent Financial, TD Ameritrade, and periods of self-employment. 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 utilizes research and analytics to support diversified portfolio strategies.

Leah Kutil is a Series 66-licensed financial advisor at Merrill with five years at the firm and four years of industry experience. Her prior work includes roles at Beaufort Memorial Hospital and Nashville Audio Visual. Outside of her advisory role, she teaches Mahjong weekly at The Mahjong League in Beaufort, SC. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Carden Jr. is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including PRUCO Securities, The Prudential Insurance Company of America, and Securian Financial Services. Outside of advisory work, he is involved in fixed insurance sales through Carolina Capital Management. Cetera Investment Advisers LLC serves 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 multi-manager platform with access to affiliated and third-party money managers.

Arthur Devereux is a Series 66 credentialed financial advisor with 18 years of industry experience. He has worked at Wells Fargo Clearing since 2022 and previously spent 13 years at Bank of America and Merrill. He is also involved with Leeward Insurance Services LLC, where he has been active since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Lisa Villamizar is a financial advisor at Charles Schwab with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Fidelity Investments, The Vanguard Group, and Apollon Wealth Management. Charles Schwab & Co., Inc. serves primarily 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 with access to affiliated discretionary SMAs and employs multi-asset model portfolios supported by centralized supervisory and custody arrangements.

James Ullrich is a CFP® with 31 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously spent four years with UBS Financial Services. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Eric Alberico is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 65 licenses and with 19 years of industry experience. He has worked at various J.P. Morgan entities since 2007, currently based in Mount Pleasant, SC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. Their advisory process incorporates systematic quantitative screening and qualitative research supported by centralized due diligence.

Jeannette Vivas is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Oak Advisors, LLC and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 advisors and offers both brokerage and advisory solutions.

Kenneth Kavanaugh is a financial advisor with UBS Financial Services in Mount Pleasant, SC, holding a Series 66 designation and 28 years of industry experience. He previously worked at Merrill for 17 years before joining UBS in 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Nolan Pehrson is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 registrations and six years of industry experience. Prior to joining Equitable Advisors in 2025, he worked at U.S. Bancorp Investments, Inc. from 2019 to 2025. He has also held roles outside finance, including work at Paychex, multiple high schools, and an entrepreneurial venture, Celly Hard LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers to implement customized investment solutions.

Palmer Skoglund is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career as a bond trader specializing in mortgage-backed securities, US Treasury notes, and fixed-income portfolio risk analysis for large institutions. In 1998, Palmer transitioned to a financial advisory role at Merrill, bringing extensive market experience through varying economic cycles. He focuses on helping clients navigate their financial lives with strategies that provide comfort during changing market conditions and life events. Palmer's areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. He holds the Professional Investment Advisor (PIA) designation and earned a Bachelor's Degree from Washington & Lee University. Committed to the Merrill tradition of community involvement, Palmer volunteers with local organizations. Outside of work, he enjoys hiking, spending time with his family, playing tennis, and traveling.

William Senn is a financial advisor with Edward Jones in Charleston, SC, holding a Series 66 designation and seven years of industry experience. Prior to joining Edward Jones in 2019, he worked with the Hibernian Society and The Charleston RiverDogs. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets and is noted for its extensive retail advisor and branch network.

William Morgan is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses. He began his advisory career in 2024 and has experience with Primerica Financial Services and various roles at Clemson University and W International. His other business activities include sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and an independent due-diligence process, with a tiered wrap-fee structure distinguishing its approach.

John Palen III is a CFP®-certified financial advisor with Edward Jones, bringing 28 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory work, John is involved with the Low Country Muscle Car Club in Charleston, SC, where he helps coordinate car shows that support local community charities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branches nationwide.