Ralph Garner III is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds the Series 66 designation and has previously worked at Truist Investment Services and Bb&T Securities. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Elizabeth Riddle is a financial advisor with Raymond James & Associates and holds a Series 66 designation. She has 10 years of industry experience, having worked at Merrill and other firms prior to joining Raymond James. In addition to her advisory work, she manages short-term rental properties through an LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services primarily on a non-discretionary basis, utilizing a variety of portfolio management styles supported by firm research and affiliated sub-advisers.

Donnette Draper is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial industry. Her approach centers on building personalized wealth plans that align with clients' family dynamics, financial situations, and long-term goals. She emphasizes frequent, comfortable conversations to understand clients' visions and values, focusing on disciplined strategies rather than chasing industry benchmarks. Prior to joining Merrill in 2021, Donnette spent 27 years at BB&T (now Truist) as a wealth advisor and wealth client associate. She leverages her strong banking background to address both assets and liabilities, offering clients access to lending and banking solutions through Bank of America, N.A. Additionally, she coordinates with clients' CPAs and attorneys on tax-minimization and estate planning strategies and assists with protective components such as long-term care and life insurance. Donnette holds a Bachelor's Degree from the University of North Carolina System and carries the Personal Investment Advisor (PIA) designation. She resides in McLeansville, North Carolina with her husband and is involved in community organizations including Junior Achievement of North Carolina and the SPCA of the Triad. She enjoys spending time with her family, participating in adventure sports, and engaging in music.

Craig Miller is a financial advisor with Morgan Stanley in Winston-Salem, NC, holding Series 63 and Series 65 registrations and bringing 39 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his financial advisory work, he owns and operates a home-based travel agency, Distinctive Voyages. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Victoria Milam is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She previously worked at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc., and has prior experience outside the financial sector at Jim N Nick's Restaurant and the University of North Carolina at Charlotte. Merrill, together 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, and institutional investors.

Amber Wright is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Lake Norman near Charlotte, North Carolina. Originally from Pittsburgh, Pennsylvania, she works alongside a wealth management team to develop tailored strategies that align with clients’ financial goals. Her approach starts by clearly articulating clients’ goals and positioning holistic financial strategies. Amber's expertise includes college education planning, corporate executive services, equity compensation services, family wealth management, legacy planning, portfolio management, tax minimization, and serving specialized client groups such as women, athletes, and entertainment professionals. She holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Indiana University of Pennsylvania. She is also the founder of the IUP Alumni network in the Charlotte and Lake Norman area. In addition to her professional work, Amber is involved in her community, including volunteering with the Humane Society of Charlotte and serving on the board of Dahlia Grove, a nonprofit supporting women survivors of human trafficking. She resides near Lake Norman where she enjoys paddle boarding, dirt biking, live music, and spending time with her small dog, Romeo.

Scott Young is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 1999 after completing graduate studies in 1996. Scott holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation awarded by the Certified Financial Planner Board of Standards and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from the University of North Carolina at Chapel Hill and a master's degree from the University of North Carolina System. Scott focuses on assisting families in evaluating their overall financial situations and developing coordinated, research-based wealth management strategies. His approach addresses issues unique to families, including wealth accumulation, asset and income preservation during retirement, and wealth transfer. Recognized for his expertise, Scott was named to both Barron's Top 1,200 Financial Advisors list and Forbes Best-in-State Wealth Advisors list from 2018 through 2021. Scott has served on the board of the American Cancer Society's Coaches vs. Cancer and volunteers with the Crisis Control Ministries' Crop Walk. He is a member of the Winston-Salem Estate Planning Council. Scott lives in Winston-Salem with his wife and two children.

John Bailey is a financial advisor at Ameriprise with 41 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for the 401 Edgeworth Association in Greensboro, NC. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Scott Settelen is a CFP® with 32 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC for seven years. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings than is typical for large institutional advisers.

David Kraftchick is a financial advisor at Edward Jones in High Point, NC, holding a Series 66 designation with 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Andrew Bonner is a Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2016, progressing through roles including Investment Consultant, Investment Solutions Representative, High Net Worth Representative, and Service Representative. His professional focus includes educating and informing clients on retirement planning by utilizing Fidelity tools and employing active listening to identify strategies aimed at achieving long-term goals.

Michael Warner is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. He previously worked at Timberline Mortgage, First National Bank, Jefferson Capital, Tidewater Construction, and Verizon Wireless. Outside of advising, Warner is a silent partner in Warner Brothers Lawncare, a landscaping business based in Sandy, Utah. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment options supported by a large nationwide network of advisors and branch offices.

David Farrelly is a Financial Advisor with Merrill Lynch Wealth Management, supporting the Blue Ridge Market, which includes eleven offices across North Carolina, Tennessee, and Virginia. He works closely with Financial Advisors and Client Associates to ensure that clients' goals and life priorities are fully understood, aiming to create an excellent client experience. David helps professionals protect the assets they've accumulated over a lifetime of work and develop income strategies that allow them to enjoy the retirement they deserve. He holds the Chartered Retirement Planning Counselor (CRPC) designation. In his personal time, David enjoys a variety of recreational activities including boating, fishing, football, golfing, hiking, music, running marathons, soccer, swimming, and spending time with his family.

Marjorie Mc Gee is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds a Series 66 designation and has previously worked at firms including Morgan Stanley Smith Barney LLC and Truist Advisory Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals to institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

James Wilkie is a CFP®-credentialed financial advisor with LPL Financial in Greensboro, NC, bringing 34 years of industry experience. He has been with LPL Financial since 2004. Wilkie is involved in selling fixed annuities and various types of insurance products. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Tracy Cottingham V is a financial advisor at Raymond James Financial with a Series 66 designation and less than one year of industry experience. Prior to joining Raymond James, Cottingham held academic positions at North Carolina State University, Ohio State University, and Marshall University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs with an emphasis on technology, cybersecurity, and public finance.

Charles Betts is a financial advisor with Raymond James & Associates in Greensboro, NC, holding Series 63 and Series 65 designations and 35 years of industry experience. He has been with Raymond James & Associates since 2011. Outside of his advisory role, he is a partner of ACM Partners LLC, where he performs administrative duties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services.

Tammy Childress is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Wells Fargo in various capacities since 2009. Outside of her advisory role, she owns and operates an online clothing consignment business focused on selling used clothing and photography. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Jason Silvia is a financial advisor with LPL Financial in Greensboro, NC, holding a Series 66 designation and bringing 25 years of industry experience. His prior roles include six years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a wide network of investment adviser representatives. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options supported by internal and third-party research.

Robert Craven III is a financial advisor with OSAIC based in Greensboro, NC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at Woodbury Financial Services, Wells Fargo Clearing, and Wells Fargo Advisors. He is also active as an agent in the sales and service of fixed insurance and annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and advisory platforms. The firm utilizes asset-allocation tools, risk assessment methods, and automated rebalancing to manage portfolios across various asset classes, supporting a range of advisory and brokerage services.