Charles Utz is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch, leading the Lake Norman office since 2006. He has more than 20 years of experience in financial services and wealth management, having started his career at Merrill Lynch Wealth Management in 2000 after two years with The Hartford. Charles and his team of six professionals focus on delivering tailored financial advice and comprehensive service to high-net-worth individuals and business owners. He holds a Bachelor's Degree in Finance from the University of North Carolina at Charlotte and is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Personal Investment Advisor (PIA). Charles emphasizes understanding his clients’ financial priorities by listening closely to their current situations, future objectives, and concerns, then designing customized portfolio strategies. His approach is based on disciplined wealth management principles that are adaptable to changing economic conditions, enabling clients to focus on their priorities throughout different stages of life. Residing in the Lake Norman area with his wife and three children, Charles enjoys an active lifestyle that includes triathlons, golf, running, tennis, and lake activities.

Dianne Eller is a financial advisor at Merrill based in Mooresville, NC, holding a Series 66 designation with four years of industry experience. She has a long tenure at Bank of America, having worked there from 2000 to 2021 before joining Merrill in 2021. Outside of her advisory role, she owns a small rental business. 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, pension plans, corporations, and charitable organizations.

Aaron Shaw is a financial advisor with Vanguard Advisers in Charlotte, NC. He holds Series 66 and Series 63 designations and has one year of industry experience. His prior work includes roles at Envoy Securities, ION Group LLC, and Baker Tilly US LLP. 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 largely constructed from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships through a digital platform and team servicing model.

Evan De Castro is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and has worked at multiple Vanguard entities since 2022. Prior to Vanguard, his background includes roles at Randstad, Variant Private Wealth, and BoodleAi. 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 a combination of digital delivery and advisor support across a broad client base.

Alexander Bishop is a financial advisor with Ameriprise in Davidson, NC, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm serves individuals approaching or in retirement and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Cameron Payne is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2013, with prior roles at DHG LLP and DHG Corporate Finance. 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, delivering services at scale through a combination of digital platforms and a large advisory team.

Henry Wepner is a financial advisor at Wells Fargo Advisors with nine years of industry experience. He holds a Series 66 designation and has worked within various Wells Fargo entities since 2016. Outside of his advisory role, he serves as Treasurer for the Newton Depot Authority in Newton, NC, where he participates in meetings, reviews financial reports, and volunteers for community projects. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutions, offering a broad range of planning services including cash-flow, retirement, education, and specialized planning areas. The firm uses proprietary research and tools to develop tailored recommendations, with clients able to implement advice through brokerage or advisory programs as they choose.

Joseph Reimels is a financial advisor with LPL Financial, holding a Series 63 designation and 46 years of industry experience. He worked at Lincoln Financial Advisors Corp for 16 years before joining LPL Financial in 2024. In addition to his advisory role, he is involved in non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services with both discretionary and non-discretionary management, supported by research, model portfolios, and various investment technologies.

Jonathon Wagoner is a Financial Advisor with Merrill Lynch Wealth Management. He partners with individuals and families to develop clear, disciplined wealth strategies aimed at organizing their financial lives, investing with intention, and maintaining progress through changing markets and significant life events. His approach involves understanding clients' priorities, translating them into concrete plans, and managing investments and risk exposure accordingly. This includes expertise in portfolio construction, retirement planning, tax-aware strategies, and guidance on major financial decisions. Jonathon leverages Merrill Lynch's research, planning tools, and investment platform to provide institutional-quality resources alongside a personal, relationship-driven service. Jonathon holds a Bachelor's Degree from Arizona State University and a Master's Degree from Thunderbird School of Global Management. He also holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Scott Robinson is a financial advisor with Ameriprise in Huntersville, NC, holding CFP® and Series 66 credentials and bringing 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Robinson is also co-owner of RGAA, LLC, which supports his practice operations. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research and modeling to provide tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Derrick Gullett is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with The Vanguard Group since 2006. 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, utilizing proprietary models and primarily Vanguard funds and ETFs to construct personalized portfolios.

Ryan Sherba is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked with various entities within the Vanguard organization since 2021 and has prior experience outside the financial sector, including roles at Lowe's and Leslie's Pool Supplies. 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 investment approach with proprietary methodologies and offers a range of customizable portfolios largely constructed from Vanguard funds and ETFs.

Benjamin Boaz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent five years with Wells Fargo Advisors LLC. Boaz serves as chairperson of the board of commissioners for the Lenoir Housing Authority, which provides safe and affordable housing to low-income families and individuals. 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 through a large network of financial advisors.

Matthew King is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His background includes roles at The Vanguard Group, Inc. and Vanguard Marketing Corporation, along with prior experience in the U.S. Air Force and various other positions. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach and manages a large client base using a combination of proprietary models and Vanguard funds.

Nathan Hearns is a CFP® credentialed financial advisor with Vanguard Advisers, based in Charlotte, NC, and has 21 years of industry experience. He has worked with Vanguard Advisers since 2014 and has been associated with various Vanguard entities since 2005. Outside of his advisory role, he was involved with No Mess Dumpsters from 2022 to 2025. Vanguard Advisers provides 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 using proprietary models to construct portfolios largely from Vanguard funds and ETFs, offering various customization and tax-aware features.

Kenneth Sagert is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has recently transitioned into the financial services industry with experience at several firms, including BCF Professional Services and Cambridge Investment Research. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual clients, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through independent Financial Professionals using a range of portfolio management approaches and platform arrangements.

Anna Williams is a financial advisor at Edward Jones with 28 years of industry experience. She has previously worked at Wells Fargo Clearing and Scottrade, Inc. Outside of her advisory role, Williams is involved in mentoring youth as a Resident Advisor at New Hope Carolinas, a mental health facility, and also works as a shopper and grocery deliverer for Instacart. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory programs and investment strategies supported by a large network of financial advisors and branch offices.

David Coss is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James Financial Services, Inc. since 2002. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Thomas Cooley is a financial advisor with Raymond James Financial in Cornelius, NC, holding Series 63 and Series 65 licenses and having three years of industry experience. His prior work includes roles at Soft Point Media, JB Office, and Eveleigh. He is also involved with Williamson Wealth Group, a non-investment-related support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients, offering tailored, non-discretionary planning through analytical tools and supporting a broad advisor network. The firm has notable municipal advisory capabilities and offers specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Todd Hogue is a financial advisor with Raymond James Financial, holding a Series 66 designation and nine years of industry experience. He has been with Raymond James Financial Services since 2016 and also works with Signature Wealth Group. Outside of his advisory work, he operates a dog sitting business. 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 employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.