Jason Bowers is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2023. His prior work experience includes roles in real estate and retail sectors. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs.

Andrew Ricciarelli is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at American Cedar & Millwork and Pella Carolina Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions supported by a nationwide network of advisors and branch offices.

Dimitrios Nickols is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at The Vanguard Group, Inc. since 2016, including a period as self-employed from 2019 to 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm serves hundreds of thousands of clients through a digital platform supported by a large team of advisors.

Lakisha Ashford is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and two years of industry experience. She has previously worked at TIAA-CREF Individual & Institutional Services and Wells Fargo, and holds experience in client advisory roles within the Vanguard organization since 2026. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach to asset allocation, offering portfolios built mainly from Vanguard funds and ETFs, with features such as tax-awareness and customization options.

Brock Woessner is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and bringing four years of industry experience. He has been with Vanguard-affiliated firms since 2021, including roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. His work history also includes positions outside the financial industry. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships with over 2,200 advisors.

Kevin Butler is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses and is based in Woodland Hills, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes firm-approved tools and models to support structured planning conversations.

Algeria Johnson is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with one year of industry experience. Prior to joining Vanguard Advisers, she held positions at Fidelity Investments, MetLife, and Amazon among other companies. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios primarily from Vanguard funds and ETFs with various customization and tax-aware features.

Ousman Bojang is a financial advisor at Vanguard Advisers with Series 65 and Series 66 credentials and two years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Asbury Automotive Group, E*Trade from Morgan Stanley, and Amazon. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Margaret Suite Arnold is a financial advisor at OSAIC with 39 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at FSC Securities Corporation for 14 years. In addition to her advisory role, she owns Victory Wealth Management, which provides tax preparation and related services. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services with a comprehensive investment approach that incorporates asset-allocation tools, risk assessment, and access to multiple third-party managers and platforms.

Delvin Joyce is a financial advisor with LPL Enterprise in Huntersville, NC, holding the CFP® and ChFC® designations and possessing 19 years of industry experience. He has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his financial planning practice, he is an ESPN broadcaster for college football games and hosts a related podcast. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, offering financial planning, access to model portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Cathy Foster is a CFP® with 24 years of industry experience currently affiliated with OSAIC. She has held roles at Victory Wealth Management Inc. since 2009 and FSC Securities Corporation between 2020 and 2023. In addition to her advisory work, Foster acts as an insurance agent providing term, non-variable, and Medicare Supplement insurance quotes and serves as a notary public. OSAIC serves a diverse client base including retail and institutional investors through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to various managed account solutions with a focus on portfolio construction using asset-allocation tools and automated rebalancing.

Chadwick Carlson is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 17 years of experience in helping clients navigate their financial goals through personalized guidance. He specializes in a range of areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Chadwick holds a Bachelor's Degree from Lafayette College and the Personal Investment Advisor (PIA) designation. Throughout his career, he has supported individuals and families in building, managing, and protecting their wealth across various life stages and market conditions, emphasizing trust and long-term relationships. His approach focuses on connecting all aspects of a client’s financial life to prioritize and pursue the goals that matter most to them. Outside of work, Chadwick lives on a ranch in Olin, North Carolina, where he values the balance of hard work and quiet country life. He enjoys fishing, golfing, horseback riding, skiing, volleyball, and spending time with his family, which remains central to his personal and professional life. His background as a college football player contributes to his disciplined and persevering approach in financial advising.

Anthony Scafide is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at James Barrett Wilson & Associates and Wake Forest University. Outside of his advisory work, he is the owner of Expecta Dominum LLC, a rental property business. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios, primarily composed of Vanguard funds and ETFs, serving a large client base through digital delivery and a high client-to-advisor ratio.

Damien Watson Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 and Series 63 licenses and has worked in various roles within Vanguard and its affiliates since 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through a combination of digital delivery and advisor support.

John Gallagher Jr. is a CFP® with 13 years of experience, currently serving as an advisor at Vanguard Advisers in Charlotte, NC. He has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach. The firm manages a large client base through its digital platform and team servicing model, offering personalized portfolios primarily composed of Vanguard funds and ETFs with various tax-aware and customization features.

Jaren Kiser is a CFP®-certified financial advisor with 15 years of industry experience, currently with Vanguard Advisers since 2025. His prior experience includes roles at Alphastar Capital Management and Private Client Services. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants, employing a goal-based, algorithm-driven approach using proprietary models and primarily Vanguard funds and ETFs.

Kyle Mcevoy is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. He has also been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. Outside of his advisory role, he acts as a full agent managing investment accounts for immediate family members. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach utilizing proprietary models to construct portfolios mainly from Vanguard funds and ETFs, supported by a large team of advisors and digital platforms.

Kathryn Nusbaum is a CFP® professional at Robert Baird & Co. with 17 years of industry experience. She has been with Robert Baird since 2015. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which provides tailored consulting and portfolio services to individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary portfolio management and separately managed accounts.

Karen Zeltner is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2019 and previously was employed at Hope Academy and Lake Norman Charter School. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Waterbury is a CFP® professional with five years of experience in the financial services industry. He is currently affiliated with Vanguard Advisers and has held roles at multiple Vanguard entities since 2021. Prior to his current position, he worked at Stancil PC and Ameritech Construction and has an educational background from North Carolina State University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with proprietary methodologies and offers a range of customizable portfolio options primarily built from Vanguard funds and ETFs.