Heather Whitton is a financial advisor at Morgan Stanley with Series 65 and Series 63 designations. She has professional experience at Morgan Stanley since 2025 and previously worked at Bank of America, Lowe's, and South State Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Taylour Schutter is a financial advisor at Raymond James Financial with six years of industry experience and holds the Series 66 designation. Prior to joining Raymond James in 2023, Schutter held roles at Truist Investment Services, Truist Advisory Services, BB&T Scott & Stringfellow, BB&T Bank, and First Advantage Bank. Outside of advising, Schutter works as a financial advisor assistant supporting Pinnacle Partners and Pinnacle Asset Management in Mt. Pleasant, SC. Raymond James Financial Services Advisors, Inc. provides comprehensive financial planning and investment consulting to individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs including municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Caroline Edwards is a CFP® certificant with six years of industry experience. She has worked at Raymond James & Associates since 2020, following prior roles at RiskBand, Keller Williams Realty, and Arthur J. Gallagher & Co. Raymond James & Associates, Inc. is a large 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, advisory programs, and institutional consulting with a focus on tailored, non-discretionary planning and a range of portfolio management styles.

Steven Clem is a financial advisor with Cetera, holding a Series 66 designation and over 20 years of industry experience. He has held roles at Avantax Advisory Services and Avantax Insurance Agency before joining Cetera in 2022. Clem is also the founder and president of The Clem Collaborative, LLC, where he provides tax preparation and planning services. He serves as vice president of SCNATP, coordinating continuing education offerings for its members. Cetera Investment Advisers LLC operates as a multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party managers across various program structures.

Paul Karnes is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at OSAIC since 2018, RIM Financial since 2016, and previously worked at Signator Investors, Inc. and Atlantic Coast Advisory Group of Charleston. In addition to his advisory work, he operates a sole proprietorship focused on the sales and marketing of fixed annuities, insurance products, and investment advisory services. OSAIC Wealth serves a diverse client base including retail, high-net-worth, institutional, and corporate clients through a multi-advisor platform offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm also supports various managed account programs and retirement plan consulting, operating with a complex affiliate network and private-equity ownership.

Joshua De Long is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 credentials and one year of industry experience. He has worked with several firms, including Guardian Life Insurance Company and New York Life. There are no notable outside activities listed. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships and employs firm-approved software for goal analysis and recommendations.

Kevin Brown is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Osaic Wealth, Royal Alliance Advisors, and Signator Investors. Outside of advising, he is president of R.E. Baxter & Associates, Inc., a support company based in Charleston, SC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals and supports municipal and public finance advisory work through a unique affiliation with a municipal advisor.

Stephen Bejsiuk is a financial advisor with Wells Fargo Clearing in Charleston, SC, holding Series 65 and Series 66 designations and 12 years of industry experience. His prior work includes roles at Empire Asset Management, Divine Capital Markets LLC, Divine Asset Management LLC, Ivy Securities, Inc., and Credit Suisse Securities (USA) LLC. 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 combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to evaluate investment options.

Jeffrey Powell is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ and Series 66 designations and has worked at several firms including Avantax Advisory Services and 1st Global Advisors. Outside of his advisory role, he is the CEO of Arrow Advisory and volunteers with Canoeing for Kids, assisting with fundraising and program events. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary management, providing access to a variety of portfolio strategies and third-party managers.

James Mcdowell III is a CFP® professional with 14 years of experience in the financial services industry. He is currently affiliated with OSAIC and has previously worked at Royal Alliance, BFC PLANNING, Inc., and Wells Fargo Clearing. Outside of his advisory role, he is the owner of The Hidden Palm, a beach rental property. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, and charities. The firm offers brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization supported by various analytical tools.

Andrew Craig is a financial advisor with Wells Fargo Clearing in Mount Pleasant, SC, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He previously worked for Prudential Equity Group, LLC for 11 years before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he has a 20% ownership interest in Big T's Coastal Provisions, a business based in Mount Pleasant. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions supported by extensive research and analytics and serves a wide range of clients including pension and charitable organizations.

Tara Schiavoni is a financial advisor at Merrill with 3 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1998. Merrill, along 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, retirement plans, corporations, and charitable organizations.

Christopher Jackson is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and over 35 years of industry experience. He has been with UBS since 2002. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management through proprietary research and a broad range of capital markets services.

Julia Dotterer is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. She serves on the advisory board for the Colonial Commons Commission in Charleston, South Carolina. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery and firm-approved tools, supporting both direct client plans and corporate financial planning agreements.

Jessica Harper is a financial advisor with Wells Fargo Advisors in Charleston, SC, holding Series 63 and Series 66 licenses and having 25 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2016. Harper is a trustee for the Ada Harper 401(k) plan and has ownership roles in several investment-related entities including Ada Harper LLC and Millennium Private Wealth LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting net-worth thresholds and combines advisory services with other financial products and referral channels.

James Sumner is a financial advisor at Raymond James & Associates with four years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously as a Medicare Agent Representative and with firms including Imagine Financial, AE Wealth Management, and Amercare Royal. 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, institutional clients, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Jeffrey Burton is a financial advisor with Wells Fargo Advisors in Charleston, SC, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Wells Fargo Advisors since 2016. Outside of his advisory role, he serves as the head golf coach for Bishop England High School in Charleston. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including cash-flow, retirement, and special-needs analysis, using proprietary research and planning tools.

Donald Allen is a financial advisor with LPL Financial in Charleston, SC, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with LPL Financial and its predecessor firms since 1995. Outside of his advisory role, he is involved in a land ownership venture with family members. 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 financial planning and investment management services through a large network of investment adviser representatives, combining advisory platforms with extensive non-advisory financial products and partnerships.

Jessica Bellamy is a financial advisor with Morgan Stanley in Charleston, SC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she owns and manages real estate through her single-member LLCs. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and global investment resources.

John Adelman is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS since 2009, following five years at Merrill and five years at AllianceBernstein L.P. Outside of his advisory role, he serves as President of Mountain Ridge Country Club, where he helps set policy and works with management to enhance member experience. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages a broad range of capital markets activities.