Margaret Suite Arnold is a financial advisor at OSAIC with 39 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at FSC Securities Corporation for 14 years. In addition to her advisory role, she owns Victory Wealth Management, which provides tax preparation and related services. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services with a comprehensive investment approach that incorporates asset-allocation tools, risk assessment, and access to multiple third-party managers and platforms.

Karly Krueger is a financial advisor at Merrill based in Charlotte, NC. She holds a Series 66 credential and has one year of experience in the industry. Prior to joining Merrill and Bank of America, she held various roles across multiple industries including technology and retail. Merrill 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, and institutional investors.

Cathy Foster is a CFP® with 24 years of industry experience currently affiliated with OSAIC. She has held roles at Victory Wealth Management Inc. since 2009 and FSC Securities Corporation between 2020 and 2023. In addition to her advisory work, Foster acts as an insurance agent providing term, non-variable, and Medicare Supplement insurance quotes and serves as a notary public. OSAIC serves a diverse client base including retail and institutional investors through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to various managed account solutions with a focus on portfolio construction using asset-allocation tools and automated rebalancing.

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.

Damien Watson Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 and Series 63 licenses and has worked in various roles within Vanguard and its affiliates since 2022. 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 to portfolio construction, primarily using Vanguard funds and ETFs, and manages a large client base through a combination of digital delivery and advisor support.

John Gallagher Jr. is a CFP® with 13 years of experience, currently serving as an advisor at Vanguard Advisers in Charlotte, NC. He has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants, using a goal-based, algorithm-driven approach. The firm manages a large client base through its digital platform and team servicing model, offering personalized portfolios primarily composed of Vanguard funds and ETFs with various tax-aware and customization features.

Jaren Kiser is a CFP®-certified financial advisor with 15 years of industry experience, currently with Vanguard Advisers since 2025. His prior experience includes roles at Alphastar Capital Management and Private Client Services. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants, employing a goal-based, algorithm-driven approach using proprietary models and primarily Vanguard funds and ETFs.

Kyle Mcevoy is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. He has also been associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2013. Outside of his advisory role, he acts as a full agent managing investment accounts for immediate family members. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach utilizing proprietary models to construct portfolios mainly from Vanguard funds and ETFs, supported by a large team of advisors and digital platforms.

Nathaniel Minor is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Michael Waterbury is a CFP® professional with five years of experience in the financial services industry. He is currently affiliated with Vanguard Advisers and has held roles at multiple Vanguard entities since 2021. Prior to his current position, he worked at Stancil PC and Ameritech Construction and has an educational background from North Carolina State University. 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 proprietary methodologies and offers a range of customizable portfolio options primarily built from Vanguard funds and ETFs.

Aditya Banerji is a CFP® with six years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has worked with The Vanguard Group since 2020 and previously held roles at the Better Business Bureau and the University of South Carolina. Vanguard Advisers provides both 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 and mostly Vanguard funds to create personalized portfolios.

Garrett Davis is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including LPL Financial and Wells Fargo Clearing Services. Outside of advisory roles, he has entrepreneurial experience with event rentals and a fireworks business. Vanguard Advisers provides 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 utilizing proprietary models and primarily invests in Vanguard funds and ETFs, offering customization options such as ESG preferences and tax-aware strategies.

Patrick Traynor is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. He has been with Vanguard Advisers since 2025 and has concurrent experience with Vanguard Marketing Corporation and The Vanguard Group since 2021. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm’s approach uses algorithm-driven, goal-based methodologies to create personalized portfolios predominantly composed of Vanguard funds and ETFs, integrating tax-aware strategies and various customization options.

Mark Metzger is a financial advisor at Cambridge Investment Research Advisors with 26 years of industry experience. He previously worked at VOYA Financial Advisors and Cetera Advisor Networks LLC. Metzger serves as a board member of the Executives Association of Charlotte. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals and employs a range of portfolio management strategies across multiple platforms.

Kenneth Zdziarski is a financial advisor with Vanguard Advisers based in Charlotte, NC, holding a Series 66 designation and 20 years of industry experience. He previously worked at Charles Schwab Bank and Charles Schwab & Co., Inc. and has worked at various Vanguard entities since 2026. Outside of finance, he is a freelance musician. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a large client base through a digital platform combined with a team servicing model.

Michael Dugan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a ChFC® designation along with Series 66 and Series 63 licenses. He has one year of industry experience, including prior roles at NYLIFE Securities, LLC and New York Life Insurance Company. Vanguard Advisers offers 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 featuring personalized asset allocations, largely implemented through Vanguard funds and ETFs.

Shemar Clarke is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes positions at Wells Fargo Clearing Services and DiSys, as well as roles outside finance such as at the University of Guyana and the Ministry of Foreign Affairs. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and uses Wells Fargo research and planning tools to develop tailored recommendations for clients.

Cody Bussell is a financial advisor with Fisher Investments, holding a Series 65 designation and four years of industry experience. He previously worked at Thompson Private Wealth and Allied Millennial Partners. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates using a centralized investment approach that combines quantitative and qualitative research. The firm also offers sub-advisory and retirement plan services alongside managing separate accounts and pooled investment vehicles.

Matthew Johnson is a Financial Advisor at Merrill Lynch Wealth Management. He works closely with clients to develop personalized strategies that align with their financial goals. His client focus areas include college education planning, equity compensation services, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, small business strategies, and retirement income. Matthew holds a Bachelor's Degree from St Edward's University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He emphasizes understanding what matters to each client to help them pursue their financial objectives effectively. Outside of his professional role, Matthew enjoys baseball, cooking, golfing, spending time with his family, and traveling. He is also involved in the community through participation in events such as the Belize Lighthouse Ride.

Michael Doyle is a Series 66 credentialed advisor with Vanguard Advisers in Charlotte, NC. He has been with Vanguard since 2025 and has prior experience working in marketing and creative industries, including roles at Hi-Rez Studios and the Savannah College of Art and Design. 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, combining proprietary models with Vanguard funds and ETFs, and manages a large client base through a scalable, technology-enabled platform.