Erin Caldwell is a financial advisor at LPL Financial with Series 66 credentials and approximately one year of industry experience. Her prior work includes roles at Commonwealth Financial Network, Wealthmark Advisors, and experience in education and retail sectors. She also operates a self-employed business called Styled & Inspired. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services through a large network of advisors and utilizes a variety of investment strategies supported by research and technology tools.

Brian Marsee is a Series 66 licensed financial advisor with LPL Financial, based in Fort Mill, SC. He has 16 years of industry experience, including over a decade with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

James Trull is a financial advisor with LPL Financial in Fort Mill, SC, holding CFP® and ChFC® designations and industry licenses Series 63 and 65. He has 39 years of experience in the financial services industry, including roles at Commonwealth Financial Network and Keystone Financial Partners. Outside of advising, Trull founded The Senior Resource Alliance of the Triangle, a professional networking group, and is involved with a photography group called The Focus. He also teaches courses at the Osher Lifelong Learning Institute at North Carolina State University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and technology tools.

Duy Nguy is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and three years of industry experience. He has been associated with LPL Financial since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various tools and investment options.

Nicholas Quigley is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and five years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance Company. He studied at the University of North Carolina from 2016 to 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of advisors and various operational tools.

Eric Tolmie is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously spent 25 years at Commonwealth Financial Network before joining LPL Financial. Tolmie is also involved in tax preparation through his private firm, Eric C. Tolmie Financial Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions supported by a large network of advisors and advanced operational tools.

Kevin Harvel is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Securities America Advisors, Mass Mutual Investors Services, and Signator Investors, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Barry Ozer is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 credential and has previously worked at FSC Securities Corp and Morgan Stanley. Outside of his advisory role, Ozer serves as a board member for the 3T Foundation, a charity focused on educational enrichment and development for underserved youth in Charlotte, NC, and is a managing partner of Magnolia Capital Partners, an investment and financial planning LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of advisory and brokerage services using model-based asset allocation and portfolio optimization, supported by discretionary and third-party managed strategies.

Chad Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 16 years of industry experience. His work history includes roles at LPL Financial, TD Private Client Wealth, TD Bank, FINRA, Raymond James Financial, and T. Rowe Price Advisory Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions.

Claudia Brown is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 credentials and 31 years of industry experience. Her prior roles include positions at Commonwealth Financial Network and Guided Path Financial. She is also a notary public outside of her investment advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a wide range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Monica Vadhera is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that align with each client’s unique goals, leveraging the investment insights of Merrill and the banking solutions of Bank of America. Her expertise encompasses a broad range of client focus areas, including college education planning, family wealth management, retirement planning, legacy planning, and tax minimization, among others. Monica holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Hansraj India and completed an Accredited Certificate Program from the AICPA. Fluent in English, Hindi, and Punjabi, she is committed to providing comprehensive wealth management services grounded in a deep understanding of her clients’ needs. In addition to her professional work, Monica actively participates in community service, reflecting the Merrill tradition of community involvement. Her personal interests include badminton, biking, music, reading, sewing, singing, table tennis, and yoga.

Daniel Cruse is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and bringing 28 years of industry experience. He has been with LPL Financial since 2009, following prior roles at Fifth Third Securities and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Diego Morales is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Securities in 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Cogliati II is a financial advisor with LPL Financial, holding a Series 65 designation and four years of industry experience. He has worked at LPL Financial since 2026 and has over two decades of experience in accounting and financial planning through his roles at C & C Planning Services, Inc., R.P. Cogliati, CPA, PC, and Caminiti & Cogliati, CPAs, LLP. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Zachary Hayes is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity since 2016, initially serving as a Financial Consultant before his current appointment. Prior to joining Fidelity, Zachary worked as an Investment Consultant at TD Ameritrade from 2013 to 2016 and as a Financial Advisor at E Trade Capital Management from 2006 to 2013. Zachary specializes in educating and preparing clients for significant financial decisions by leveraging his education, experience, and the resources available through Fidelity. He possesses a comprehensive understanding of financial markets and investment products, enabling him to simplify complex financial concepts for his clients. His expertise spans various investment strategies, which he applies to assist clients with diverse financial situations. Outside of his professional work, Zachary engages in family activities and enjoys fishing, fitness, hiking, movies, and parenthood.

John Moravek is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Financial. He previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his financial advisory work, Moravek coaches fifth-grade basketball at St. Matthew Catholic School in Charlotte, NC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, with a focus on integrating advanced tools for operational support.

Jeffrey Rao is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Strategic Advisers, Inc. and Fidelity Personal and Workplace Advisors prior to his current role. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services along with model portfolios built from a broad range of mutual funds, ETFs, and ETPs.

John Rizzo is a Series 66-licensed financial advisor with UBS Financial Services in Charlotte, NC, and has 18 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets solutions supported by proprietary research and market insights.

Matthew Sines is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Commonwealth Financial Network, Purshe Kaplan Sterling Investments, Thrivent Advisor Network, and Raymond James Financial Services. Outside of his advisory role, he serves as a Senior Business Development Officer for Thrivent Advisor Network, recruiting financial advisors to their platform. 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. The firm offers a range of programs including financial planning, model portfolios, and third-party asset management, supported by extensive technology and operational resources.

Kristin Rossell is a financial advisor with Ameriprise in Fort Mill, SC, holding Series 63 and Series 66 credentials and 15 years of industry experience. She previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments from 2010 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized retirement-income consulting team.