Lucas Rhoy is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and one year of industry experience. His prior roles include positions at MML Investors Services, MassMutual Life Insurance, KeyBank, Mosley Financial Group, and NY Life Securities. He also has experience working at the University of Southern Maine and Portsmouth Naval Shipyard. 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 a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Conosha Williams is a financial advisor at Vanguard Advisers with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Vanguard since 2016, working across Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a high client-to-advisor ratio due to its digital platform and team servicing model.

Jackson Graham IV is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 66 and Series 63 designations and has worked in various roles within The Vanguard Group 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 its digital delivery platform and extensive advisor team.

Samuel Cowles is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and one year of industry experience. His work background includes roles at US Tech Solutions Inc and Fastenal, as well as operating a landscaping business. Outside of finance, he has ongoing involvement with Red Rocks Cafe. 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 combines research and analytics with diversification principles and offers a range of brokerage and advisory solutions.

Aalyssa Mitchell is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she held roles in the mortgage banking sector and worked at Scotiabank Trinidad and Tobago and Digicel. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Austin Rogers is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses. He has three years of industry experience and has worked at various Vanguard entities since 2022. Prior to his advisory role, he was involved in massage therapy-related businesses and education from 2016 to 2022. Vanguard Advisers offers 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 mainly from Vanguard funds and ETFs, supported by a large advisor team and a digital delivery platform.

Elizabeth Peper is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses. She has 19 years of industry experience, including prior work at Janney Montgomery Scott from 2016 to 2020. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Joseph Gardner is a financial advisor at Vanguard Advisers in Charlotte, NC, with four years of industry experience. He holds Series 66 and Series 63 certifications and has worked at various Vanguard entities since 2022. Outside of financial services, he has experience working with nonprofit and accounting firms earlier in his career. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily invests in Vanguard funds and ETFs, offering a range of customization and tax-aware portfolio features.

Thomas Handy is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding Series 63 and Series 66 credentials and bringing 39 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, Handy serves as a swimming instructor and triathlon coach at the YMCA of Greater Charlotte, where he has been involved since 2005. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm provides a broad range of financial planning and investment services, utilizing proprietary research and planning tools to deliver tailored recommendations.

Jonathan Friend is a CFP® professional with 21 years of experience in the financial advisory industry. He has worked at The Vanguard Group, Inc. since 2004, including his current role with Vanguard Advisers since 2019. Prior to that, he was employed at Four Peaks Brokerage from 2017 to 2023. 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 approach, managing portfolios primarily with Vanguard funds and ETFs and offering a range of customization options.

Cole Eldridge is an advisor at Vanguard Advisers with a Series 66 designation and has been in the industry for less than one year. Prior to joining Vanguard Advisers, his work background includes roles at The Vanguard Group, Consolidated Planning, Dicks Sporting Goods, and various educational institutions. 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, utilizing Vanguard funds and ETFs with features such as tax-aware strategies and customization options.

Marina Smith is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and three years of industry experience. She has worked at The Vanguard Group since 2022. 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 asset allocation, primarily investing in Vanguard funds and ETFs, and manages a large client base through its digital delivery platform.

Thomas Hallmark is a CFP® with 24 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2015. He has been with The Vanguard Group and its related entities since 2003. Outside of his advisory role, Hallmark is the owner of Prismatic Property Group, LLC, where he acts as a landlord. 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 and manages portfolios primarily using Vanguard funds and ETFs with features such as tax-aware strategies and customizable investment options.

Garrison Stewart is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with DigitalIntelligence Systems LLC and Wells Fargo Clearing Services LLC. Stewart’s background also includes roles in education and other industries prior to joining Vanguard. 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 featuring proprietary methodologies and a focus on Vanguard funds and ETFs.

Robert Van Lanen Jr. is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Vanguard entities since 2017 in various roles, including Vanguard Advisers and Vanguard Marketing Corporation. Prior to that, he worked at Carmel Country Club for two years. 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 investment approach, primarily using Vanguard funds and ETFs, and manages a large client base through its digital delivery and extensive advisor team.

Dillon Dunn is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to his current role, he worked at The Vanguard Group and has a varied background including positions at Ace Hardware and roles in education. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Garth Stefan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Before joining Vanguard in 2021, he worked at T. Rowe Price from 2015 to 2021. Outside of his advisory role, he is involved in tutoring through his own business, Stefan Solutions LLC, and as a contractor with Varsity Tutors and Wyzant. 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, primarily using Vanguard funds and ETFs, and delivers services at scale through a combination of digital platforms and a large advisor team.

James Sadleir is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 65 and Series 63 licenses and has seven years of industry experience. His prior roles include positions at Drive Wealth Advisers and Costco. He also serves as a limited agent for an immediate family member. 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 featuring proprietary asset allocation models and offers a range of customizable portfolio options constructed mainly from Vanguard funds and ETFs.

Thomas Duke III is a financial advisor at Merrill with a Series 66 designation and under two years of industry experience. His prior work includes roles at Bank of America and a variety of positions outside the financial sector, including at Topgolf and a restaurant business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Charles Ball is a Certified Financial Planner (CFP®) with 19 years of industry experience, currently serving as an advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2007. 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 to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a large client base through its digital platform and advisory team.