Stephen Whitman is a financial advisor with Morgan Stanley in Charleston, SC, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He has worked at Morgan Stanley since 2013 and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a trustee/co-trustee of a trust based in New Providence, New Jersey. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations as part of standalone planning.

Stephanie Harvey is a financial advisor at Osaic Wealth, Inc. She holds Series 63 and Series 65 licenses and has 10 years of industry experience. Prior to joining Osaic in 2024, she worked at Woodbury Financial Services and Equitable Advisors/AxA Advisors. Outside of her advisory role, she is president of Cane Bay Financial Planning LLC and owns a sole proprietorship offering insurance products. Osaic Wealth serves a diverse client base, including individuals, high-net-worth investors, pension plans, and corporations, offering integrated brokerage and advisory services through a large network of advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a range of investment types and supports various third-party platforms and managed-account solutions.

Liane Crouse is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing and Truist Investment Services, among other related entities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances, and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Gary Rivano is Vice President and Branch Leader at Fidelity Investments, where he leads a team of investment professionals focused on helping clients achieve their financial goals through comprehensive financial planning. He emphasizes the importance of strong relationships with clients and values the contributions of both employees and clients to foster an inclusive culture and provide an outstanding client experience. Gary has held multiple roles at Fidelity Investments since 2005, progressing from Support Specialist to his current leadership position. His experience includes positions as Financial Consultant, Investment Consultant, Investment Representative, Private Client Specialist, and Financial Representative. Prior to joining Fidelity, he worked as Assistant Vice President at Deutsche Bank from 2014 to 2016 and as Private Client Adviser at JP Morgan Chase from 2012 to 2014.

Josephine Beebe is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill for a total of ten years, with a brief period outside the industry. 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, and various institutions using model-based and discretionary strategies developed by internal and third-party teams.

Amanda Sakmar is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. She has worked at Cetera since 2023 and has been associated with North Star Resource Group since 2018. Sakmar also operates as an agent and broker with North Star Consultants. Cetera Investment Advisers LLC is an SEC-registered firm offering advisory services through a nationwide network of advisors, serving individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning solutions.

Nicholas Pecoraro is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2015 to 2024. Pecoraro also manages Pecoraro Wealth Management Inc., a non-investment related business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of financial planning and advisory programs and provides both discretionary and non-discretionary management with access to model portfolios, research, and various technology-enabled solutions.

Charles Claus is a financial advisor at Raymond James & Associates with 24 years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2013. Outside of his advisory role, Claus serves as a director and board member for the Children's Museum of the Lowcountry, a nonprofit focused on educational programming for children and families. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and consulting with a range of portfolio management styles and affiliated research.

Timothy Sease is a CFP®-credentialed financial advisor with 34 years of industry experience. He is affiliated with LPL Financial and has worked concurrently at South State Bank since 2014. Prior to that, he was with First Southeast Investor Services, Inc. for 18 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, incorporating discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Victoria DuPre is a Planning Consultant at Fidelity Investments. She supports clients and advisors through collaborative financial planning focused on trust, transparency, and relationship-building. Victoria helps translate goals into actionable strategies and supports the implementation of thoughtful, client-centered plans. Victoria has been with Fidelity Investments since 2023, holding roles including Customer Relationship Advocate, Relationship Manager, and Investment Solutions Representative. Her experience spans client support and relationship management within the financial services industry. Outside of her professional work, Victoria enjoys board games, fitness, social events with friends, outdoor adventures, pets, and puzzles.

Vicente Munoz Reyes is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has been with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2025. Outside of his advisory role, he is involved in several activities including serving as a mathematics tutor, working as an academic assistant for online math courses at Louisiana State University at Alexandria, co-founding and managing projects at Tikvah Health and Wellness, and coaching CrossFit classes. MassMutual Investors Services, LLC operates as a subsidiary of MassMutual, offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and provides specialties including divorce planning and event-driven estate and employer-sponsored planning programs.

Viktor Hammer is a Series 66 licensed financial advisor with 12 years of industry experience, currently practicing at Morgan Stanley in Charleston, SC. He has been affiliated with Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Hammer also serves as a board member of the Armand Hammer Foundation, which focuses on education and the arts. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary investment research in its financial planning process.

Jamie Nix is a financial advisor with Robert W. Baird & Co. in Charleston, SC, holding a Series 66 designation and 18 years of industry experience. He has been with Robert W. Baird & Co. since 2010. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that provides financial planning, portfolio management, and consulting services to individuals, families, pensions, corporations, and institutional clients. The group offers tailored investment strategies using a combination of in-house and third-party managers, with services ranging from discretionary management to complex allocations including private funds and real assets.

Thomas Stotz is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services Inc. from 2008 to 2019. 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 solutions grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Karyn Lancaster is a financial advisor with LPL Financial in North Charleston, SC, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked with Linsco/Private Ledger Corp. since 2004 and operates a DBA, Valerie E. Thomas & Associates, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of representatives. The firm offers diversified advisory programs, financial planning, retirement consulting, and access to model portfolios and research from multiple sources.

Brandon Benton is a financial advisor with Merrill in Mount Pleasant, SC, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at Merrill and Bank of America since 2018 and was previously employed by AXA Advisors, LLC. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Hugli is a financial advisor with Morgan Stanley in Johns Island, SC, holding Series 63 and Series 65 licenses and possessing 57 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured planning tools and a comprehensive investment approach.

Robert Philbeck IV is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2014 and is also associated with Maryland Financial Group, Inc. and Legacy Wealth Management. Philbeck conducts educational workshops as part of his other activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and third-party research.

Collin Graves is currently serving as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He joined Fidelity in 2018 and has held various positions including Financial Consultant and Investment Solutions Consultant, bringing a broad understanding of financial planning and investment strategies. Prior to joining Fidelity, Collin worked as a Financial Consultant at AXA Advisors from 2014 to 2018. Throughout his career, Collin has focused on partnering with clients to identify their unique financial goals and provide guidance tailored to their complex needs. His approach emphasizes collaborative planning aimed at helping clients attain peace of mind by understanding the story behind the numbers. Outside of his professional responsibilities, Collin enjoys outdoor activities such as camping, fishing, football, hiking, kayaking, and sailing.

Jacob Wright is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 credential and has 13 years of industry experience. Prior to joining Raymond James, he worked at SunTrust Advisory Services, Truist Investment Services, and BB&T entities. He serves as a board member and finance committee member for City Life Church in Mount Pleasant, SC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, institutional, and nonprofit clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools, supporting clients through advisory programs and institutional consulting across its extensive advisor network.