Luis Recio is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 credentials and one year of industry experience. His prior experience includes roles at Domino's Pizza, Empower Financial Services, Principal Financial Group, and Allstate Insurance. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s investment approach is goal-based and algorithm-driven, using proprietary methodologies to create personalized portfolios largely composed of Vanguard funds and ETFs.

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 16 years of industry experience. His career includes roles at JPMorgan Securities, JPMorgan Chase Bank, and Longbow Securities. 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 approach using proprietary models to create personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs with various tax-aware and customization features.

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 with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Fidelity Brokerage Service, USAA Financial Planning Services, and TIAA-CREF. 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, supported by a large team of over 2,200 advisors.

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 with Vanguard Advisers, holding Series 63 and Series 66 credentials and two years of industry experience. She has worked at Vanguard Advisers, The Vanguard Group, and Vanguard Marketing Corporation since 2026, and previously held roles at TIAA, Wells Fargo, and Verizon Wireless. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that emphasizes personalized asset allocation and tax-aware portfolio features.

Brock Woessner is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and four years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked with related Vanguard entities since 2021. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, managing large-scale portfolios using a goal-based, algorithm-driven approach that emphasizes personalized asset allocation and tax-aware strategies.

Cindi Williams is a financial advisor at Vanguard Advisers with 18 years of industry experience. She holds Series 66 and Series 63 credentials and has previously worked at TIAA-CREF Individual & Institutional Services and Morgan Stanley. 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 proprietary models to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options.

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.

Alexandru Jucu is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo affiliates since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions with research-driven investment approaches.

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.

Margaret Suite Arnold is a financial advisor at OSAIC with 40 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at FSC Securities Corporation for 14 years. In addition to her advisory work, she operates Victory Wealth Management, providing tax preparation and insurance services. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Anthony Scafide is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at James Barrett Wilson & Associates and Wake Forest University. Outside of his advisory work, he is the owner of Expecta Dominum LLC, a rental property business. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios, primarily composed of Vanguard funds and ETFs, serving a large client base through digital delivery and a high client-to-advisor ratio.