Michelle Huggins is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. She has been with TIAA since 2005. Outside of her advisory role, she owns a condo vacation rental in Myrtle Beach, South Carolina. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm acts as adviser to a donor-advised fund and delivers planning services separately from ongoing discretionary management through model and customized portfolios.

Stephen Bonjour is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at TIAA and TIAA-CREF Individual & Institutional Services, LLC since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary portfolio management under a fiduciary standard, including customized portfolio options and advisory services for donor-advised funds.

Colman Pierzchala is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 credential and bringing 24 years of industry experience. He has been with TIAA-CREF since 2004 and previously worked at Ameriprise. Outside of his advisory role, he serves as a consultative member of the Mission Board at Good Shepherd United Methodist Church. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered retirement plan relationships. The firm’s advisory approach separates one-time financial planning from ongoing portfolio management and operates within a vertically integrated structure that includes affiliated funds.

Robert Church is a financial advisor at TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses with two years of industry experience. Prior to joining TIAA-CREF, he worked at Fifth Third Securities and Fifth Third Bank, as well as PNC Bank. Outside of his advisory role, he is involved in home construction and remodeling as a general contractor in Concord, NC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients often connected through TIAA-administered employer retirement plans and provides tailored portfolio management alongside point-in-time financial planning.

Rori Godsey is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and nine years of industry experience. Prior to joining TIAA-CREF in 2017, Godsey worked at F&M Bank for six years. Outside of advising, Godsey serves as a notary public. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing TIAA-administered retirement plans. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund within a vertically integrated group.

Amy Henthorn Powell is a financial advisor at TIAA-CREF with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Mercer Global Advisors Inc., LPL Financial LLC, and Merrill Lynch Pierce Fenner & Smith. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm offers both point-in-time planning and ongoing discretionary management using various managed account programs and operates as an adviser to a donor-advised fund.

Andrew Garcia Rico is a financial advisor at TIAA-CREF in Charlotte, NC, holding a Series 66 designation with one year of industry experience. Prior to joining TIAA-CREF, he worked at Equitable Advisors and spent two years in a non-financial role at Chick-Fil-A. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm’s advisory model separates time-limited planning services from ongoing discretionary management, offering both model-based and customized portfolio options.

Simon Stokes is a financial advisor at TIAA-CREF with 28 years of industry experience. He has worked at TIAA-CREF since 2008 and holds Series 63 and Series 65 designations. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also provides broker-dealer services and acts as adviser to the TIAA Donor Advised Fund.

Adam Dawson is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 16 years of industry experience. He has been with TIAA-CREF since 2011. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm provides various managed account portfolios and acts as adviser to a donor-advised fund, operating within a vertically integrated structure that includes affiliated funds.

Pamela Barnett is a financial advisor at TIAA-CREF with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2019, following a tenure at TIAA dating back to 2006. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management through model portfolios and customized accounts managed under fiduciary standards.

Gavin Masa is a financial advisor at TIAA-CREF with one year of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF and Tiaa since 2025. His prior experience includes roles at Lowe's Home Improvement and Housatonic Partners. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm combines planning services with ongoing portfolio management and acts as adviser to a donor-advised fund.

Neal Acharya is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has been with TIAA since 2014. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between point-in-time financial planning and ongoing discretionary management, utilizing model portfolios and customized strategies under a fiduciary standard.

Joshua Scott is a financial advisor with TIAA-CREF, holding a Series 66 designation and 15 years of industry experience. He has been with TIAA since 2014. Outside of his advisory role, he serves as treasurer for his neighborhood homeowners association. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with pre-existing relationships through TIAA-administered employer retirement plans. The firm combines point-in-time planning with ongoing portfolio management under a fiduciary standard and acts as adviser to donor-advised funds within a vertically integrated group.

Patrick Fleming is a financial advisor at TIAA-CREF in Charlotte, NC, with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Horace Mann Investors, Vanguard Advisers, and Lincoln Financial Distributors. TIAA-CREF Individual & Institutional Services, LLC 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 retirement plan relationships. The firm separates one-time planning services from ongoing portfolio management and acts as adviser to a donor-advised fund while operating within a vertically integrated group using affiliated funds.

Alexander Cohen is a financial advisor at &PARTNERS with a Series 66 designation and five years of industry experience. Prior to joining &PARTNERS in 2024, he worked at Wells Fargo Clearing for three years and held roles at Amazon Fulfillment Services and The UPS Store. He also has a background in education, having worked at Clemson University and Pine Lake Preparatory. &PARTNERS serves a diverse client base including high-net-worth individuals, retirement plans, charitable organizations, and corporations. The firm offers investment management and financial planning services using a combination of fundamental, technical, and quantitative analysis, with portfolios managed directly by advisors or through third-party managers.

Alexandria Haden is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Fidelity Personal and Workplace Advisors and AIG Retirement Services. TIAA-CREF Individual & Institutional Services, LLC offers 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 provides a fiduciary advisory model separating point-in-time planning from ongoing portfolio management, and also acts as an adviser to a donor-advised fund.

Ryan McCartney is a financial advisor at TIAA-CREF with a Series 66 designation and five years of industry experience. His prior work includes positions at Robinhood Financial, UBS Financial Services, Stifel, Nicolaus & Company, and Northwestern Mutual. He also worked at High Point University and Silver Point Beach Club in earlier roles. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Coty Consic is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at several firms including Bank of America, Merrill, Vanguard Advisers, and The Vanguard Group. His background also includes a brief role at Doordash and experience in marketing and operations at Wooden Robot Brewery. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing portfolio management, operating within a vertically integrated group that includes affiliated funds and donor-advised fund services.

James Koester is a financial advisor with Brookstone Capital Management LLC in Concord, NC, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Prior to joining Brookstone in 2023, he worked at JDM Financial, Secure Asset Management, Capital Financial Services, and Concorde Asset Management. He is also involved with JD Mellberg Financial, focusing on annuities and life insurance for retirees and those planning retirement. Brookstone Capital Management provides fee-based asset management and financial planning to a diverse client base, including individuals, retirement plans, corporations, and trusts. The firm utilizes strategic and dynamic asset allocation models, a turnkey asset management platform, and sub-advisory relationships to deliver its investment solutions.

Robert Treff is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning services and ongoing discretionary management, utilizing model portfolios or customized portfolios managed under client-approved investment policies.