John Cullen is a CFP®-designated financial advisor with 31 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously spent 10 years at UBS Financial Services Inc. 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 grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Stephen Sorensen is a financial advisor at UBS Financial Services in Greenville, SC. He holds the Series 66 designation and has recent experience that includes roles at NVR Mortgage and a background in education. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides financial planning, portfolio management, and capital markets services tailored to clients’ goals and risk tolerances.

Riku Oinonen is a financial advisor at Charles Schwab with Series 66 and Series 63 credentials and six years of industry experience. His work history includes roles at Empower Financial Services, W&S Brokerage Services, and Western Southern Life. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a formal alternative-investment onboarding process.

Lauren Giron is a financial advisor at Raymond James Financial Services Advisors, Inc. with four years of industry experience. She holds a Series 66 license and previously worked at LPL Financial, LLC, Wells Fargo, and Good Life Advisors, LLC. Giron is involved with Good Life Advisors, LLC, providing administrative support for the independent investment advisory firm. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Wesley Bray is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 66 and Series 63 credentials and has worked at Charles Schwab & Co., Inc., Charles Schwab Bank, and Northwestern Mutual in various capacities. His background also includes roles outside of financial services at companies such as Sisense and ScanSource. Charles Schwab & Co., Inc. serves a large client base consisting mainly of 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’s approach combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and a structured process for alternative investments.

Joseph Garrett is a financial advisor at Ameriprise in Greenville, SC, holding Series 63 and Series 65 licenses with one year of industry experience. His prior roles include positions at Hornor, Townsend & Kent LLC, Penn Mutual Life Insurance Company, and Grant Tax. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that emphasizes dependable income sources and tax-aware withdrawal strategies.

Elaine Hall is a financial professional with 24 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 designations and has worked at firms including VOYA Financial Advisors and The IBEX Group. Outside of her advisory work, she serves on the finance committee of a local church and owns a bookkeeping business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and advisory services through a multi-manager platform incorporating both affiliated and third-party managers.

Robert Dykes is a financial advisor with Ameriprise in Greenville, SC, holding a Series 66 designation and two years of industry experience. His prior work includes positions at Edward Jones and \u0026Partners. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Tyler Kaliner is a financial advisor with Equitable Advisors in Greenville, SC, holding a Series 66 designation and three years of industry experience. His background includes roles at Southern Valet, Hotel LBI, and the University of South Carolina. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives and third-party managers.

Collin Castlebury is a Series 66-licensed financial advisor with nine years of industry experience. He is currently with Ameriprise and has previously worked at Cary Street Partners, Truist Investment Services, and BB&T Securities. Outside of his advisory role, he owns a small business, Castlebury Enterprises LLC, which provides lawn care and tree services. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning through a written Recommendation Report and ongoing advice based on proprietary research and third-party data.

Kiefer Ogburn is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously worked at UBS Financial Services from 2015 to 2019. 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 based on modern portfolio theory, tailoring services to plan objectives and risk tolerances while acting as an ERISA fiduciary.

Adam Parker is a CFP® with six years of industry experience currently affiliated with Charles Schwab in Greenville, SC. His prior work includes positions at Fidelity Brokerage Services LLC and Palms Associates, among others. There are no additional notable outside activities reported. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related services. The firm offers a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts, supported by a centralized and integrated operational structure.

Stacie Wallice is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. She has worked at LPL Financial since 2018 and has prior experience with Sage Wealth LLC, NAIFA-SC-Upstate, Waddell and Reed, Inc., and PlanFirst Inc. Wallice serves on a nonprofit board in South Carolina Upstate. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Thiago Pinheiro is a financial advisor with Charles Schwab in Greenville, SC, holding CFP® and ChFC® designations and eight years of industry experience. His prior roles include positions at Northwestern Mutual and multiple smaller firms. He serves as a committee member at the Darla Moore School of Business and on the University of South Carolina Athletics Hall of Fame Selection Committee. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Joseph Brown is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked in healthcare and community organizations, including Interim Healthcare of the Upstate and New Covenant Presbyterian Church. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory programs and affiliated services, supported by a large national network of financial advisors and branch offices.

Jeremiah Davis is a financial advisor with Morgan Stanley in Greenville, SC, holding Series 63 and Series 66 designations and 19 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations to support its financial planning process.

Matthew Howard is a financial advisor with Cetera who holds a Series 66 designation and has 11 years of industry experience. He has held positions at multiple firms including Park Avenue Securities, Guardian Life Insurance, Fidelity Bank, and LPL Financial LLC. Outside of his advisory role, he is involved with Foothills Property Group as a realtor, though only for personal purchases. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services across multiple program structures, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Richard Muncaster is a financial advisor at Cambridge Investment Research Advisors with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Cambridge since 2016. Outside of his advisory role, he is involved with Meals on Wheels of Greenville and the Greenville Clemson Club. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi‑billion dollar asset base and offers both discretionary and non-discretionary management via multiple platforms and proprietary model strategies.

Ricky Garner is a financial advisor with MassMutual Investors Services in Greenville, SC, holding Series 63 and Series 65 credentials with 14 years of industry experience. He previously worked at MetLife Securities Inc. and has been with MassMutual Life Insurance Co. since 2016. Outside of his advisory role, he is involved as a producer for group health and ancillary benefits. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved software and methodologies to guide investment strategies without exercising discretionary authority.

Giovanni Luccia Jr. is a financial advisor with Ameriprise in Greer, SC, holding a Series 66 designation and 23 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves on the board of St. Giles Presbyterian Church, including leadership positions on the Missions Board and Endowment Committee, and owns a tax preparation business as well as a consulting firm that assists Ameriprise advisors with business setup and strategic planning. Ameriprise is a large institutional firm offering a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a combination of research, modeling, and tax-efficient strategies to deliver tailored recommendations.