Michael Jones is a CFP® with 29 years of industry experience, currently serving as an advisor at Money Concepts Capital Corp. He previously worked at GWN Securities Inc. for nine years and holds Series 63 and Series 65 licenses. Jones is based in Charlotte, NC. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm offers multiple managed programs utilizing a mix of model portfolios, IAR-designed portfolios, and third-party sub-advisers, applying fundamental and technical analysis alongside modern portfolio theory.

Kevin Iobbi is a financial advisor with TIAA-CREF based in Charlotte, NC, holding a Series 65 designation and one year of industry experience. His prior roles include positions at Third Bridge and academic appointments at Hamilton College and Greenwich High School. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division serves individuals, trusts, estates, and small retirement plans, offering financial planning and discretionary managed account programs through a fiduciary model that includes both model and customized portfolios.

Rahul Kashyap is a financial advisor at TIAA-CREF in Charlotte, NC, holding a Series 66 designation with six years of industry experience. His prior roles include positions at Merrill, LPL Financial, Fortune Investment Advisory, and the United Postal Service. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and smaller retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm provides both point-in-time financial planning and ongoing portfolio management, operating within a vertically integrated group that includes affiliated funds and donor-advised fund services.

Adam Dinkins is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior work includes roles at Ally Invest Advisors and Wells Fargo Clearing. First Citizens Investor Services serves individuals, pension and profit-sharing plans, charitable organizations, and businesses, offering advisory and brokerage services with a client process focused on IAR-led assessments and diversified investment strategies across equities, fixed income, mutual funds, and ETFs.

Marcus Atkinson is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with First Citizens Investor Services since 2012. Outside of his advisory role, he serves as a director helping set up youth summer football camps and is contracted with USA Track & Field as a coach and referee. First Citizens Investor Services, Inc. serves individuals, pension and profit-sharing plans, charitable organizations, and corporate entities by providing advisory and brokerage services through investment adviser representatives and third-party portfolio managers. The firm offers portfolio management, wrap programs, model portfolios, an automated guided investing platform, and tax-aware services, focusing on client-driven assessments and a mix of fundamental, quantitative, and technical analysis for asset allocation.

Christian Patterson is a financial advisor at Truist Advisory Services with 23 years of industry experience. He holds a Series 66 designation and has worked with Truist Advisory Services and affiliated firms since 2018, including Bb&T Investments and Bb&T Securities. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program implemented through a combination of discretionary and non-discretionary strategies with integration across affiliated entities.

Amy Wong Pawa is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2017. Outside of her advisory role, she owns an investment property that she manages and rents. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, corporate entities, and small retirement plans, often serving clients who have pre-existing relationships through TIAA-administered employer retirement plans. The firm provides a range of advisory services including model portfolio management and customized portfolios, operates a donor-advised fund, and offers related affiliated services.

Prabhvinder Kaur is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and seven years of industry experience. She has worked at TIAA-CREF since 2023, with prior roles at Financial Principles and Metcalfe and Associates. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with employer retirement plan relationships, as well as trusts, estates, and small retirement plans. The firm combines point-in-time planning with ongoing portfolio management and acts as adviser to a donor-advised fund.

Dimitri Tcherkassov is a financial advisor at First Citizens Investor Services, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Chase Bank and StormGuard Restoration before joining First Citizens. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, including high-net-worth clients, as well as pension plans, charitable organizations, and businesses. The firm utilizes a client-centered approach with fundamental, quantitative, and technical analysis to manage portfolios across various asset classes.

Robert Bogia is a financial advisor with Principal Financial Services in Cornelius, NC, holding a Series 66 designation and nine years of industry experience. He has worked with Fulcrum Capital Partners since 2018 and has been affiliated with Principal Securities Inc. since 2017. Outside of his advisory role, Bogia serves as president of his homeowners association and operates an LLC for tax purposes. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individuals, retirement plans, trusts, and charitable organizations. The firm’s advisory offerings include financial planning, retirement plan consulting, and access to third-party money manager solutions through distinct adviser and promoter arrangements.

Adam Batchelor is a financial advisor at Osaic Institutions, Inc. with nine years of industry experience. He holds a Series 66 designation and has worked at Infinex Investments, Inc. since 2022 and previously spent seven years at LPL Financial, LLC. Osaic Institutions, Inc. is an SEC-registered adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary assets under management.

Alan Gray is a financial advisor with First Citizens Investor Services, Inc. based in Charlotte, NC. He holds a Series 66 designation and has 21 years of industry experience, including roles at First Citizens Asset Management, Bank of America, and Merrill Lynch. Outside of his advisory work, he serves as President of the Board for both the Porter Ridge Athletic Association and the Union County Youth Soccer Program. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate clients. The firm offers portfolio management, financial planning, and tax-aware services, utilizing fundamental, quantitative, and technical analysis to guide investment allocations.

Daniel Huth is a financial advisor at Truist Advisory Services with 15 years of industry experience. He holds the Series 63 and Series 66 credentials. His prior work includes roles at UBS Financial Services and M&T Bank. Outside of his advisory work, he occasionally assists with a non-investment related collectibles business run by his spouse. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program implemented through both discretionary and non-discretionary arrangements.

La Terra Frechette is a financial advisor with Truist Advisory Services who holds a Series 66 designation and has one year of industry experience. Prior to joining Truist Advisory Services, Frechette held roles at TIAA, Amazon, and has experience connected to the Darla Moore School of Business at the University of South Carolina. Outside of finance, Frechette was involved with Capital City Gymnastics for several years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program leveraging third-party platforms and AI-enabled research tools.

Ee Yang is a financial advisor at TIAA-CREF with 11 years of industry experience. He has held roles at Members Trust Company, Credit Union Investment Services, SeCU Brokerage Services, SeCU Life Insurance Company, and the State Employees' Credit Union. Outside of his advisory work, Ee Yang owns a sole proprietorship, ProjectEM Co, which produces signs and laser goods. TIAA-CREF’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and corporate entities, often serving clients connected through TIAA-administered employer retirement plans. The firm combines one-time planning with ongoing portfolio management using both model and customized strategies.

Diana Urichich is a financial advisor at TIAA-CREF with 23 years of industry experience. She holds Series 63 and Series 66 licenses and has been with TIAA and TIAA-CREF since 2016. Based in Charlotte, NC, she serves clients through these firms' financial planning and investment management services. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and corporate entities. The firm provides both model-based and customized portfolio management within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Jeffrey Channell is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2014. He is based in Charlotte, NC. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management through model-based and customized strategies.

Marilyn Spencer is a CFP® professional with 11 years of industry experience, currently serving at Empower Advisory Group since 2024. Prior to joining Empower Advisory Group, she was not employed in the financial advisory industry for 10 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm employs an integrated service model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Arturo Byrd is a financial advisor at Empower Advisory Group with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at The Vanguard Group, Inc. for two years. Byrd has additional work experience with WPM Investments LLC and Charter Communications. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm uses an integrated model linked to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Travis Lecture is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 credentials and 11 years of industry experience. He worked at Fidelity Brokerage Services from 2014 to 2017 before joining TIAA-CREF. Outside of finance, Travis sells prints of his astrophotography through Artmill and an online Shopify store, and he assists with record-keeping for his wife's dance boutique, Grace and Pointe, LLC. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, and small retirement plans, often serving clients with existing TIAA-administered retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management, using model portfolios or customized strategies under a fiduciary standard.