Gregory Latini is a CFP® with 20 years of experience in the financial services industry. He is currently with Vanguard Advisers and has previously worked at Goldman Sachs Personal Financial Management, United Capital Financial Advisers LLC, TIAA-CREF, CUNA Brokerage Services, and Waddell & Reed. He is also the owner of Operation Sweet Tooth, a nonprofit that supports underserved children and provides AEDs for public spaces. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through its digital platform and team servicing model, focusing on retail and plan participants.

Michael Collegeman is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2019. His prior experience includes roles at AIG, Northwestern Mutual, and Edward Jones. He holds Series 63 and Series 66 licenses. 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 approach, constructing portfolios primarily from Vanguard funds and ETFs, with options for tax-aware features and customization.

Joseph Zairo is a Certified Financial Planner (CFP®) with 19 years of industry experience. He has worked at Vanguard Advisers since 2013 and has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2007. He is based in Charlotte, NC. 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 using proprietary methodologies to construct portfolios primarily from Vanguard funds and ETFs.

Catherine Stiltner is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and bringing five years of industry experience. Her prior work includes roles at Wells Fargo Clearing, The Vanguard Group, and Infinex Investments, along with a brief period at the Art Institute of Charlotte. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm combines a goal-based, algorithm-driven approach with a large-scale digital platform, managing portfolios mainly composed of Vanguard funds and ETFs.

Michael Greene is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with The Vanguard Group since 2014. 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 create personalized asset allocations primarily from Vanguard funds and ETFs.

Terrell Whitmore is a financial advisor with Vanguard Advisers in Charlotte, NC. He holds Series 66 and Series 63 licenses and has four years of industry experience. Prior to joining Vanguard, he worked at Bank of America, Merrill Lynch, and Robinhood Financial. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Mark Johnston is a CFP® professional with 27 years of experience in the financial industry. He has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1999 and currently serves as an advisor at Vanguard Advisers. In addition to his advisory role, he is contracted with DoorDash for food delivery services. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates personalized asset allocations and tax-aware portfolio features. The firm manages a large client base with over 2,200 advisors and emphasizes digital delivery alongside tailored investment solutions primarily using Vanguard funds and ETFs.

Samuel Moran is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and 17 years of industry experience. Before joining Vanguard in 2026, he worked for 20 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as an executor and holds power of attorney for his father in Prescott, AZ. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Lisa Riter is a CFP® professional with 31 years of industry experience, currently serving as an advisor at Vanguard Advisers in Charlotte, NC. She has worked with Vanguard and its affiliates since 1998. In addition to her advisory role, she is the owner of Blue Sky Properties LLC, a real estate business based in Asheville, NC. 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 investment approach and manages portfolios primarily using Vanguard funds and ETFs, combining scale and digital delivery with personalized asset allocation strategies.

Douglas Robertson is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 17 years of industry experience, including roles at Truliant Federal Credit Union and Cuna Brokerage Services. Robertson is also involved with Truliant Financial Advisors in connection with his LPL business. 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 provides a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Kristen Thomas is a CFP®-certified financial advisor with nine years of industry experience. She is currently affiliated with Cetera and also serves as a financial professional at Paved Wealth Partners, LLC. In addition to her advisory work, she operates a small gardening consulting business called Southern Rooted Gardens. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with access to affiliated and third-party money managers.

Phillip Turner is a financial advisor at Vanguard Advisers with 13 years of industry experience. He has been with The Vanguard Group since 2013 and was self-employed from 2018 to 2020. Turner holds Series 63 and Series 65 licenses. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options including ESG preferences.

Nicholas Caropreso is a financial advisor with Edward Jones in Mooresville, NC, holding a Series 66 designation. He joined Edward Jones in 2026 and has prior professional experience at Lowe's Companies Inc., Johnson & Johnson, Unilever, and Pinnacle Foods. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Jeb Milam is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 63 and Series 66 licenses and has seven years of industry experience, including a 30-year tenure at Wells Fargo Advisors and Wells Fargo Clearing Services. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary asset allocation models and predominantly constructs portfolios from Vanguard funds and ETFs.

Scott Atkinson is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services and LPL Financial. He is also an employee of The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options and managing a large client base through a combination of technology and team support.

James Tapp II is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a wide range of advisory services, including financial planning, retirement plan consulting, and investment management, supported by research from Wells Fargo Investment Institute and third-party sources.

Thomas Sparkman is a financial advisor with Vanguard Advisers in Charlotte, NC, holding CFP® and Series 63 credentials and nine years of industry experience. He has been with The Vanguard Group, Inc. since 2017. Outside of his advisory role, he participates in healthcare training webinars as a demonstration patient and contributes as a focus group participant in multiple marketing research firms. 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 asset allocation, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.

Patrick Nielsen is a financial advisor with Edward Jones in Mooresville, NC, holding CFP® and Series 66 credentials and seven years of industry experience. Before joining Edward Jones in 2018, he worked for twelve years at Lowe's Companies, Inc. Outside of his advisory work, he owns and operates a self-publishing business through which he writes fiction. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions with approximately $1.01 trillion in assets under management. The firm is notable for its large network of financial advisors and branch offices, as well as its affiliated capabilities beyond advisory services.

David Balok is a financial advisor with LPL Financial in Denver, NC, holding Series 63 and Series 65 credentials and offering 34 years of industry experience. He has been with Linsco/Private Ledger Corp., now part of LPL Financial, since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a range of financial planning and investment management solutions.

Jake Rothert is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and four years of industry experience. He has been with Vanguard since 2021, including roles at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group. Outside of advising, he has been involved with CharBar7 since 2015. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice, utilizing a goal-based, algorithm-driven approach with personalized asset allocations primarily composed of Vanguard funds and ETFs. The firm manages a large client base with over 2,200 advisors, emphasizing digital delivery and a team servicing model.