John Patrick West is a financial advisor with Vanguard Advisers in Charlotte, NC. He holds Series 63 and Series 66 licenses and has eight years of industry experience. Prior to joining Vanguard in 2018, he worked at Centaurus Financial Inc. and has a background that includes roles 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 investment approach using proprietary models and constructs portfolios primarily from Vanguard funds and ETFs with various customization options.

Christopher Zino is a financial advisor with Edward Jones in Indian Trail, NC, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs and managing approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Robert Koch is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 designations and has worked with several Vanguard-related entities since 2022. His prior roles include positions at Signature Consultants and Liberty Mutual. 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 utilizing proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering customization and tax-aware features.

Michael Milne is a financial advisor at Vanguard Advisers in Charlotte, NC, with three years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and Cetera. Outside of his advisory role, Milne has contracted as a transportation and delivery service provider with Uber and Amazon Flex. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

Bryce Edwards is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Marketing Corporation and THE Vanguard Group, Inc. since 2022. Prior to entering the financial industry, he worked in education with Charlotte-Mecklenburg Schools and attended the University of North Carolina at Chapel Hill. 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 construct personalized portfolios primarily from Vanguard funds and ETFs, combining scale with digital delivery and a range of customization options.

Reginald Hunnicutt Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 42 years of industry experience. He has worked with Cetera and its affiliated entities since 2013, with prior roles at Wealth Enhancement Group and LPL Financial. Outside of his advisory work, he serves as an elder and committee chairman for the Rocky River Presbyterian Church in Concord, NC. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and supports both discretionary and non-discretionary account structures.

Isaac Acosta Montenegro is a CFP® professional with 12 years of industry experience currently affiliated with Vanguard Advisers. He has held roles across multiple sectors including real estate sales and home remodeling, with ownership positions at Pivot Remodeling LLC and Finway Insurance Agency, LLC. In real estate, he works as an agent assisting with residential property transactions in Charlotte, NC. 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 to portfolio construction, primarily using Vanguard funds and ETFs, and is notable for its scale and digital delivery model managing hundreds of thousands of client relationships.

Todd Clarke is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Broadridge Financial Solutions and Apex Systems, as well as positions at several universities. Vanguard Advisers offers 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 approach using proprietary methodologies to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Stephen Head is a CFP® with 19 years of industry experience currently serving at Vanguard Advisers since 2019. He has been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2007. 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 investment approach using proprietary models to construct diversified portfolios primarily from Vanguard funds and ETFs.

Bryan Brown is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and one year of industry experience. He previously worked at Merrill Lynch and PNC and has held various roles outside of finance, including positions at Sherwin Williams and Florida Atlantic University. 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 using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs, with a focus on digital delivery and tax-aware strategies.

Sean Fenerty is a financial advisor at Vanguard Advisers with seven years of industry experience and holds the Series 66 designation. Prior to joining Vanguard in 2026, he worked at Fifth Third Securities and Merrill Lynch. 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 create personalized portfolios primarily composed of Vanguard funds and ETFs, supported by a large team and digital platform.

Edward Dingess is a financial advisor at Vanguard Advisers with 26 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at TIAA-CREF and Maverick Transportation. He maintains an insurance license in Concord, NC. 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 largely constructed from Vanguard funds and ETFs, supported by a large team of advisors and a digital platform.

Corrina Halter is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations and six years of industry experience. Her prior roles include positions at JP Morgan Chase and Equitable Advisors. Outside of her advisory work, she serves as an estate executor in an investment-related capacity. 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 construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a digital platform combined with advisor support.

Mitchell Dee is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and having eight years of industry experience. He has been with Vanguard Advisers since 2019 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. prior to and during his current tenure. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing both automated and human-supported investment advice through its digital and personal advisor services. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs to construct diversified, customizable portfolios.

Simon Abegg is a financial advisor at Vanguard Advisers with CFP® certification and Series 65 and 66 licenses. He has three years of industry experience, including prior roles at WR Wealth Planning and NewEdge Advisors. Outside of his advisory work, Mr. Abegg serves as a Brand Ambassador for Wine on Ward, LLC, promoting wine, beer, and spirits products. Vanguard Advisers offers 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 Vanguard funds and ETFs, with a distinctive focus on scale and digital delivery through a large advisor team.

Nathan Miller is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He holds Series 63 and Series 65 designations and has worked at several firms, including Edward Jones and Western & Southern Brokerage Services. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Conosha Williams is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with Vanguard Advisers since 2019 and has also worked with Vanguard Marketing Corporation and The Vanguard Group since 2016. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Geoffrey Kemble is a CFP® with 26 years of industry experience, currently serving at LPL Enterprise since 2024. He previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. Kemble serves on the Board of Managers for the local Brace YMCA and is a board member of the Owners Association of Plantation Office Park in Matthews, NC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, with services that include financial planning, access to external asset managers, and insurance product facilitation through affiliated entities.

Jackson Graham IV is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked in various roles within The Vanguard Group, Inc. and its affiliates since 2022. Prior to this, he held positions in different industries, including education and retail. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and eligible employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, and it manages a large client base leveraging digital delivery and a team servicing model.

Austin Rogers is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 licenses. His prior work includes roles at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as experience outside finance with Massage Luxe and Massage Envy. 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 built primarily from Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and advisor teams.