Samuel Cowles is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and having one year of industry experience. His prior work includes roles at US Tech Solutions Inc, Fastenal, and various customer service positions. Outside of finance, he has experience running a self-employed landscaping business. 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-driven investment strategies with a broad 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 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.

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 with four years of industry experience. He holds Series 63 and Series 66 designations and is based in Charlotte, NC. Gardner has worked across various roles within Vanguard entities since 2022 and has prior experience in accounting firms and other businesses. Vanguard Advisers provides investment advice through a combination of digital and human-supported services, serving 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 a high client-to-advisor ratio supported by its automated platform and team model.

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 with Vanguard Advisers, holding Series 63 and Series 66 licenses and three years of industry experience. She has been with The Vanguard Group since 2022. 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 utilizes a goal-based, algorithm-driven investment approach and manages a large client base through a combination of automated platforms and advisor teams.

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 credentials and has worked at multiple Vanguard entities since 2022. Prior to joining Vanguard, he held positions at Wells Fargo Clearing Services and DigitalIntelligence Systems, as well as experience in education and other industries. 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 with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

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 63 and Series 65 licenses and three years of industry experience. Prior to joining Wells Fargo Clearing, he worked at The Vanguard Group and has a background that includes roles at Ace Hardware and higher education institutions. 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 provides both brokerage and advisory solutions, utilizing research and diversification principles in its investment approach.

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 in Charlotte, NC, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Vanguard Advisers and affiliated Vanguard entities since 2021 and was previously with Drive Wealth Advisers and other firms. He serves as a limited agent for an immediate family member in an investment-related capacity. Vanguard Advisers delivers 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 with proprietary methodologies and portfolio customization options, managing a large client base through its digital platform and team servicing model.

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.

Jonathan Dean is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and five years of industry experience. His career includes roles at The Vanguard Group and multiple self-employed engagements. Outside of advising, he contracts for a marketing agency focusing on geofencing campaigns and works as a contracted delivery driver. 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, tax-aware portfolios mainly composed of Vanguard funds and ETFs.

Matthew Hepner is a financial advisor with Vanguard Advisers, holding the Series 63 and Series 66 designations and bringing 12 years of industry experience. He has been with Vanguard Advisers since 2021 and previously worked at Bird from 2018 to 2020. Hepner is also associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. 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 and offers portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital delivery and team servicing model.

Henry Ighile is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and four years of industry experience. He has been associated with Vanguard Advisers and The Vanguard Group since 2021. Outside of his advisory role, he is involved as a sales agent with Genesis Auto Broker, LLC, an independent auto brokerage business. 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 mainly consisting of Vanguard funds and ETFs, delivering services at scale through a combination of digital platforms and advisor teams.