Luis Recio is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and one year of industry experience. His prior work history includes roles at Empower Financial Services, Principal Financial Group, and Allstate Insurance. Outside of financial services, he has been involved with Domino’s Pizza since 2023. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs with tax-aware and customization features.

Douglas Weltz is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, and Fidelity Brokerage Services. Fidelity’s Strategic Advisers LLC, where Weltz is based, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with a focus on systematic methodologies and long-term asset allocation.

Christian Lenahan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and bringing 16 years of industry experience. His prior work includes roles at JPMorgan Securities, LLC, JPMorgan Chase Bank NA, and Longbow Securities. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services for retail investors and employer-sponsored retirement plan participants. The firm applies a goal-based, algorithm-driven investment approach and manages a large client base using a hybrid service model that combines technology with advisor support.

Ronald Ceccarini is a financial advisor with Edward Jones in Mooresville, NC, holding Series 66 and Series 63 designations and 23 years of industry experience. He has been with Edward Jones since 2014. 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 supported by a large nationwide network of advisors and branch offices.

Renee Wallace is a financial advisor at Wells Fargo Clearing with three years of industry experience and holds a Series 66 designation. She has previously worked at Fidelity Investments and has experience in various roles outside finance, including at Bridal Reflections and Rocco's Tacos & Tequila Bar. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes an IPS-driven process and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Randy Cruz is a financial advisor at Vanguard Advisers with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Vanguard Advisers since 2019, following five years at Fidelity Brokerage Service. Outside of advising, he is involved in managing a rental property in Harrisburg, NC. 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 to portfolio construction, primarily utilizing Vanguard funds and ETFs with options for tax-aware features and customization.

Monica Luke is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Securities America and First Command Financial Services. She serves as an adjunct professor at Queens University, UNCC, and The London School of Economics. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, and retirement plan consulting with both discretionary and non-discretionary management options.

William Wilson IV is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and having four years of industry experience. He has worked at several firms, including The Vanguard Group and SECU subsidiaries. Vanguard Advisers offers 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 composed of Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large number of client relationships through a combination of automated platforms and advisor teams.

Michael Mallette is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2017. Prior to that, he worked at Appalachian State University for four years. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and a team servicing model.

Banner Steele is a Series 66-licensed financial advisor at Vanguard Advisers with six years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2020. Prior to that, he held roles at Texas Tech University, FJY Financial, and First State Bank among others. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach and primarily invests in Vanguard funds and ETFs, offering a range of customization options alongside portfolio management for pooled vehicles.

Jason Bowers is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2023. His prior work experience includes roles in real estate and retail sectors. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs.

Andrew Ricciarelli is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at American Cedar & Millwork and Pella Carolina Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs and investment solutions supported by a nationwide network of advisors and branch offices.

Dimitrios Nickols is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at The Vanguard Group, Inc. since 2016, including a period as self-employed from 2019 to 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible 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 hundreds of thousands of clients through a digital platform supported by a large team of advisors.

Lakisha Ashford is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and two years of industry experience. She has previously worked at TIAA-CREF Individual & Institutional Services and Wells Fargo, and holds experience in client advisory roles within the Vanguard organization since 2026. Vanguard Advisers provides both 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 approach to asset allocation, offering portfolios built mainly from Vanguard funds and ETFs, with features such as tax-awareness and customization options.

Brock Woessner is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and bringing four years of industry experience. He has been with Vanguard-affiliated firms since 2021, including roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. His work history also includes positions outside the financial industry. 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 construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing hundreds of thousands of client relationships with over 2,200 advisors.

Algeria Johnson is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with one year of industry experience. Prior to joining Vanguard Advisers, she held positions at Fidelity Investments, MetLife, and Amazon among other companies. 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 investment approach utilizing proprietary models and constructs portfolios primarily from Vanguard funds and ETFs with various customization and tax-aware features.

Ousman Bojang is a financial advisor at Vanguard Advisers with Series 65 and Series 66 credentials and two years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Asbury Automotive Group, E*Trade from Morgan Stanley, and Amazon. 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 uses a goal-based, algorithm-driven investment approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Colleen Mc Cauley is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Her previous work includes roles at Jones Lang LaSalle, Feedonomics, and Amazon, as well as academic experience at Texas A&M University. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Alexandru Jucu is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds Series 63 and Series 66 licenses and has 10 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and has also been with Wells Fargo Bank N A since 2015. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

William Merritt III is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at Bank of America Merrill Lynch and Fifth Third Securities. He also worked briefly in education at Concord High School and in technology at Digital Intelligence Systems. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.