Timothy Necaise is a CFP® with 26 years of industry experience and is currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at Nationwide Securities, Inc. and operating his own firm, Necaise Insurance & Financial Services Inc. He also serves as secretary on the board of the Morehead City Noon Rotary Club. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a wide range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using both proprietary and third-party strategies.

James Dee is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. He previously served in the U.S. Marine Corps for ten years. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors.

Joseph Spruill is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Spruill also holds a real estate license in North Carolina. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Randall Simpson is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 26 years of industry experience. He has worked with firms including IC Advisory Services, Inc. and Banc of America Investment Services, Inc. Simpson also operates Simpson Wealth Management as a sole proprietor, focusing on investments and insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of representatives. The firm offers a range of financial planning and investment management programs supported by advanced tools and a broad platform of services.

James Bengala is a CFP® professional with 42 years of industry experience, currently advising at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Outside of his advisory role, he has ownership interests in real estate-related businesses in North Carolina. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Cheryl Mansfield is a financial advisor with Edward Jones in Morehead City, NC, holding the ChFC® designation and Series 66 license. She has 14 years of industry experience and has been with Edward Jones since 2005. Outside of her advisory role, she owns Mansfield Photography, specializing in beach, senior, and party photos, and serves as a board member of the Downtown Morehead City Revitalization organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm is notable for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Hilton O'Neal is a CFP®-designated financial advisor with Edward Jones, based in Beaufort, NC, with six years of industry experience. Prior to joining Edward Jones in 2019, he served four years in the United States Coast Guard. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of more than 23,000 financial advisors.

Michael Sprague is a financial advisor with Edward Jones in Havelock, NC, holding the ChFC® designation and Series 66 license. He has 11 years of industry experience, all with Edward Jones, and also serves in the United States Marine Corps with 14 years of service. Sprague receives military retirement and disability income. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Sanford Smith is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, Wells Fargo Clearing, Wells Fargo Advisors, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs. The firm’s financial planning process uses structured discovery and firm-approved tools, incorporating Global Investment Committee estimates and Monte Carlo simulations to model outcomes.

Stephen Sharkey is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving clients since 1989, focusing on creating personalized financial strategies that align with clients' priorities and life goals. Stephen’s approach emphasizes developing holistic, tailored wealth management plans that consider each client’s unique personality and needs. Stephen’s expertise encompasses liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income strategies. He holds the Accredited Asset Management Specialist™ (AAMS™), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA) designations. Stephen earned his bachelor's degree from the University of North Carolina at Wilmington. Stephen is actively engaged in his community, volunteering with organizations such as JDRF. Outside of work, he enjoys cooking, music, photography, singing, traveling, woodworking, spending time with his family, and practicing yoga.

Michael Orr is a Certified Financial Planner (CFP®) affiliated with Edward Jones, located in Beaufort, NC, with 32 years of industry experience. He has been with Edward Jones since 1999 and maintains concurrent roles with Sia Group and Ameritas Life Insurance Corp. 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 strategies supported by a large nationwide network of financial advisors and branch offices.