Steven Krasnipol is a CFP® and ChFC® with 32 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Financial Group since 2008. Outside his advisory role, he is involved in several business activities including ownership of an LLC related to real estate and providing administrative services through another entity he owns. Mass Mutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative annual planning using firm-approved analytical tools.

Jeremy Bierlein is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and three years of industry experience. He has worked at several firms including Bank of America, Merrill, Edward Jones, and TD Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Trevor Yates is a financial advisor with Edward Jones in Wilmington, NC, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of advisors and branch offices.

Tyler Yaw is a CFP® professional and financial advisor with Wells Fargo Advisors in Wilmington, NC, bringing six years of industry experience. Before joining Wells Fargo Advisors in 2025, he worked at Wells Fargo Clearing for six years and previously at REEDS Jewelers for four years. He is a co-owner of the Whiskey & Wisdom Podcast, a non-investment-related venture based in Wilmington. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk, wealth-transfer, and specialized business and personal planning services. The firm combines advisory services with other financial products and referral channels to deliver tailored recommendations based on proprietary research and tools.

Charles Mintz is a CFP® professional with 14 years of industry experience, currently advising clients at Raymond James & Associates in Wilmington, NC. His prior roles include positions at Truist Advisory Services, Truist Investment Services, BB&T Securities, and Scott & Stringfellow. 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 public entities, offering financial planning and consulting services with a broad range of portfolio management strategies.

Paul Mitkish is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and 31 years of industry experience. He previously worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. Outside of his advisory role, he has involvement as a landlord. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Caroline Theobald is a financial advisor with RBC Capital Markets, holding a Series 66 designation and two years of industry experience. She has worked at RBC Capital Markets since 2020 and previously was employed at BB&T Scott and Stringfellow in 2020. Prior to her financial career, she operated DC Med Consulting LLC from 2016 to 2019 and took time as a stay-at-home mom. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Holly Lawrence is a financial advisor with Wells Fargo Advisors in Wilmington, NC, holding Series 63 and Series 65 licenses and 17 years of industry experience. She has worked across various Wells Fargo entities since 2013. Outside of her advisory role, she serves as a trustee for her parent's trust. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, providing investment and fee-based financial planning services tailored by a network of advisors. The firm offers a broad range of planning services covering cash-flow, retirement, education, risk, and wealth-transfer planning, among other specialized areas.

Danielle Rich is a financial advisor with Raymond James & Associates in Wilmington, NC, holding Series 63 and Series 66 licenses and having four years of industry experience. Her prior roles include positions at UBS Financial Services Inc., First Citizens Investor Services, and First Citizens Bank. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting services supported by firm research and a range of portfolio management strategies.

Spencer Hoag is a financial advisor with Wells Fargo Clearing in Wilmington, NC, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior roles include positions at TIAA CREF, the University of North Carolina Wilmington, and The District Kitchen and Cocktails. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Christopher Knowles is a financial advisor with Wells Fargo Advisors in Wilmington, NC, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked with various Wells Fargo entities since 2009. He is involved in investment-related activities through ownership interests in Atlas Investment Management LLC and Knowles Investment Management LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning and investment services, utilizing proprietary research and planning tools to develop tailored recommendations.

Caleb Teeples is a Series 66-licensed financial advisor with one year of industry experience, currently with Thrivent Investment Management. His previous roles include positions at Hantz Financial Services and various non-financial roles in education and service industries. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of Financial Advisors. The firm focuses on holistic, goal-based planning across multiple financial topics and offers clients the option to combine planning with managed-account programs under a consolidated billing arrangement.

Matthew Minichello is a financial advisor with Charles Schwab in Wilmington, NC, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. His prior roles include positions at Mid Atlantic Capital Corporation, NewEdge Advisors, and Wells Fargo Clearing. Charles Schwab & Co., Inc. primarily serves high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment services supported by integrated brokerage, custody, and financial planning solutions.

Carl Hanks is a financial advisor with LPL Financial based in Wilmington, NC, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. His prior roles include positions at Morgan Stanley, Merrill, Fidelity, and Raymond James Financial Services. He is also involved in NJB Global LLC, a non-investment business entity. 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 broad range of financial planning and advisory services utilizing model portfolios, third-party asset managers, and technology tools to support investment decisions.

Phillip Harrington is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Price is a financial advisor with Morgan Stanley in Wilmington, NC, holding Series 63 and Series 65 licenses and 20 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009 and 2006, respectively. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients both directly and through corporate relationships.

James Phillips is a financial advisor with Wells Fargo Clearing in Wilmington, NC, holding a Series 66 designation and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has prior experience at Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Phillips serves as a board member of the Pamlico Plantation Property Owners Association, a private homeowner's association. 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 employs research and analytics to guide investment decisions and provides a range of brokerage and advisory solutions supported by its extensive network of financial professionals.

Megan Ennis is a financial advisor with RBC Capital Markets in Wilmington, NC, holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Wells Fargo Clearing, RBC Wealth Management, and Truist Investment Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies, utilizing both in-house and third-party managers to implement portfolios suited to clients’ risk profiles.

Adair Graham is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 53 years of industry experience. His prior roles include positions at Bb&T Securities and Scott & Stringfellow, Inc. Outside of finance, he is a partner in an agricultural farming business. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipalities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing various portfolio management styles supported by research and sub-advisers.

Katherine Snyder is a CFP® with four years of industry experience, currently serving as an investment advisor representative at Cambridge Investment Research Advisors. She has held roles within Cambridge Investment Research and its affiliates since 2021. Outside of her advisory work, she is the owner of Pierpoint Wealth Management LLC in Wilmington, NC. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent financial professionals using multiple custody and platform arrangements tailored to client objectives.