Jennifer Holmes is a financial advisor at Vanguard Advisers with 20 years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services and Scottrade. Holmes is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm serves a large client base through a combination of digital delivery and advisor support.

Tom OMara is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. In this role, he focuses on building strong relationships by listening carefully to clients to understand their priorities and helping connect everyday financial decisions to their broader life goals. He works closely with advisors and remains engaged beyond the initial planning stages to support clients throughout their financial journeys. Prior to his current position, Tom held several roles at Fidelity Investments, including Relationship Manager, Financial Representative, and Financial Services Representative, gaining experience in various aspects of financial planning and client relationship management. His professional progression within Fidelity reflects a solid foundation in financial services and client support. Outside of his professional work, Tom enjoys family activities, social events with friends, hiking, music, and skiing.

Christopher Frederick is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and having 11 years of industry experience. His prior roles include positions at Corbett Road Wealth Management, Spire Investment Partners, Rather & Kittrell, and Centurion Wealth Management. He is currently employed by The Vanguard Group and its affiliated entities. 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 using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

Grant Keenan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and having five years of industry experience. He has been with Vanguard entities since 2020 and is also involved in managing a family equipment rental business in Kitty Hawk, NC, where he handles logistics and seasonal delivery services. 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 asset allocation, leveraging Vanguard funds and ETFs with various customization options, and supports a large client base through a high client-per-advisor ratio.

Ryan Sochacki is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley and its affiliates since 2015. He holds a Series 63 designation. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning arrangements.

David Feldmiller Jr. is a CFP® with 12 years of industry experience currently serving at Vanguard Advisers. He has worked with various entities within the Vanguard organization since 2014, including Vanguard Marketing Corporation and The Vanguard Group, Inc. His tenure at Vanguard Advisers spans 10 years. Vanguard Advisers delivers both 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 models to create personalized portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Will Hornbeck is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Charlotte, NC. He has been with Vanguard Advisers and affiliated Vanguard entities since 2026. Previously, he worked at Bogart Wealth and has experience outside finance, including a role at Coastal Cravings Steak and Seafood. 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 using proprietary models and offers portfolios primarily composed of Vanguard funds and ETFs.

Brad Brady is a financial advisor with Thrivent Investment Management in Salisbury, NC, holding Series 63 and Series 66 designations and over 22 years of industry experience. He has been with Thrivent and its affiliated entities since 2005. Outside of his advisory role, Brady serves on the board of the Rowan Medical Foundation, which supports community involvement and fundraising for Novant Medical Center. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive goal-based financial planning without discretionary trading authority. The firm’s approach includes holistic analyses and a consolidated billing option called “WealthPlan” that integrates planning with managed accounts while keeping the services distinct.

Amanda Rachau is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. Her work history includes roles at Pfs Investments Inc. since 2010 and involvement with Pfs University from 2012 to 2018. She also engages in sales of investment-related products and receives compensation for referrals of home security, automation, and loan products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap-fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plan services.

Sherman Spears is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses. He has held positions at Wells Fargo Bank and United Parcel Service and served in the United States Army. Spears has approximately one year of experience in the financial advisory industry. 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 roughly $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Haynes Owen is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 credentials and has been with Vanguard in various capacities since 2021. His prior experience includes roles at UNC Charlotte and a parking management company. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with personalized asset allocations and a broad range of customization options.

Joseph Parsons is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 65 and Series 63 credentials and has been with The Vanguard Group since 2016. Vanguard Advisers provides 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 with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and managing a large client base through its digital platform.

Patty Hanna is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a notary public and also works as a retail sales associate. 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 advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Douglas Towsey, CRPC™, serves as a Managing Director and Wealth Management Advisor in the Naperville/Lisle office of Merrill Lynch Wealth Management. With over 32 years of experience in the finance industry, his career spans roles as a wealth management advisor, corporate executive, and professor. He focuses on providing clients with a comprehensive wealth management strategy tailored to their unique financial situations and goals. His approach emphasizes five key principles: financial guidance, legacy implementation, estate coordination, risk management, and tax minimization strategies. Doug holds a Bachelor's degree in Finance from Indiana University and an MBA from Northwestern University. In addition to his advisory role, he teaches evening finance classes at DePaul University. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Doug and his team prioritize building ongoing relationships with clients to adapt strategies in response to changing needs and market conditions. Outside of his professional life, Doug is involved in community service through organizations such as United Way and Feed My Starving People. He resides in the northwest suburbs of Chicago with his wife Jennifer and their two children, Grace and Ben. His personal interests include golfing, hiking, music, reading, soccer, softball, tennis, traveling, watching movies, and spending time with his family.

Karla Hicks is a CFP® with 13 years of industry experience, currently serving at Vanguard Advisers. Her prior roles include work with Vanguard Marketing Corporation and THE Vanguard Group, Inc., alongside experience as a home healthcare worker. Vanguard Advisers offers 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 investment approach utilizing proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs.

Tiara Leggett is a financial advisor with Vanguard Advisers, holding a Series 66 credential and beginning her industry career in 2026. Her prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, Liberty University, MKS2 Technologies, and Navy Federal Credit Union. She is also the owner of Tiara DeShay, LLC, an insurance-related business. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by its proprietary glide-path methodology and advanced tax-aware features.

Bryan Raithel is a CFP® with 25 years of experience currently serving at Vanguard Advisers since 2019. He has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2010. Raithel also serves as a fiduciary agent and custodian for an immediate family member's investments. Vanguard Advisers provides automated and human-supported investment advice through platforms serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to construct personalized portfolios primarily from Vanguard funds and ETFs.

Amy Lowe is a financial advisor with Morgan Stanley, holding a Series 66 credential and 14 years of industry experience. She worked at UBS Financial Services from 2011 to 2021 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC, where she has been since 2021. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm employs structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Rebekah Schemahorn is a financial advisor at Primerica Advisors with 27 years of industry experience. She has held her current roles at Primerica Advisors and Primerica Financial Services since 1999. Outside of her advisory work, she owns and manages a mountain home used for short-term rentals. Primerica Advisors provides a wrap-fee asset management program primarily serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Donald Johnson Jr. is a financial advisor with OSAIC in Huntersville, NC, holding Series 63 and Series 65 credentials and 35 years of industry experience. He worked at FSC Securities Corporation for 29 years before joining OSAIC in 2023. Outside of his advisory role, he operates as an insurance agent marketing annuities. OSAIC serves a broad client base including retail and institutional investors through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to various investment platforms and third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios.