Chadwick Carlson is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 17 years of experience in helping clients navigate their financial goals through personalized guidance. He specializes in a range of areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Chadwick holds a Bachelor's Degree from Lafayette College and the Personal Investment Advisor (PIA) designation. Throughout his career, he has supported individuals and families in building, managing, and protecting their wealth across various life stages and market conditions, emphasizing trust and long-term relationships. His approach focuses on connecting all aspects of a client’s financial life to prioritize and pursue the goals that matter most to them. Outside of work, Chadwick lives on a ranch in Olin, North Carolina, where he values the balance of hard work and quiet country life. He enjoys fishing, golfing, horseback riding, skiing, volleyball, and spending time with his family, which remains central to his personal and professional life. His background as a college football player contributes to his disciplined and persevering approach in financial advising.

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 with Vanguard Advisers, holding Series 63 and Series 66 designations and three years of industry experience. He has been with Vanguard Advisers since 2025 and is also associated with Vanguard Marketing Corporation and The Vanguard Group, Inc. outside his advisory role. Vanguard Advisers offers 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 methodologies to construct personalized portfolios primarily from Vanguard funds and ETFs.

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 financial advisor with Vanguard Advisers in Charlotte, NC, holding the CFP® designation along with Series 63, 65, and 66 licenses. He has 15 years of industry experience with prior roles at Alphastar Capital Management and various advisory and wealth management firms. He maintains several insurance licenses but does not engage in related business activities beyond license upkeep. 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 constructed mainly from Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a combination of digital platform and advisory team support.

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 with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 both brokerage and advisory solutions, utilizing research and analytics to guide investment selection.

Kathryn Nusbaum is a CFP® professional at Robert Baird & Co. with 17 years of industry experience. She has been with Robert Baird since 2015. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which provides tailored consulting and portfolio services to individuals, families, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers a range of investment strategies and advisory services, including discretionary portfolio management and separately managed accounts.

Karen Zeltner is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. She has worked at Merrill since 2019 and previously was employed at Hope Academy and Lake Norman Charter School. Merrill, along with its affiliate Managed Account Advisors LLC, 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, pension plans, corporations, and charitable organizations.

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.

Stephen Paavola is a Client Experience Advisor with Merrill Lynch Wealth Management. In this role, he works with clients to understand their current financial situations and introduces solutions available through Merrill and Bank of America. He aims to empower clients with knowledge and tools to manage their financial lives effectively. Stephen holds a Bachelor's Degree from Concordia University - Wisconsin and a Master's Degree from Columbus State University. His approach focuses on helping clients uncover what matters to them and their families to develop strategies aligned with their financial goals.

Leonard Yarnovich is a financial advisor with Primerica Advisors in Huntersville, NC, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2018 and concurrently has a long tenure at Novant Health and Alliance Imaging Healthcare Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program using model-based strategies created by unaffiliated asset managers and utilizes custodial support from Pershing and overlay management by BNY Mellon Advisors.

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.

Lesia Marino Brolinson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her prior roles include positions at Bank of America, N.A., and Merrill. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, offering a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Mark Whelan is a financial advisor with Wells Fargo Clearing in Fort Lauderdale, FL. He holds a Series 66 designation and has three years of industry experience. Prior to joining Wells Fargo Clearing, he worked at Lockheed Martin and the University of Central Florida. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans. The firm offers investment policy development, performance reporting, participant education, and discretionary investment management grounded in modern portfolio theory.

Garrett Davis is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and five years of industry experience. His prior work history includes roles at Wells Fargo Clearing Services and Independent Advisor Alliance, among others. Outside of advisory work, he maintains life and health insurance licenses. 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 portfolios mainly composed of Vanguard funds and ETFs.

Krista Icenhour is a Vice President and Financial Consultant at Fidelity Investments. In her role, she helps families organize, develop, and implement financial plans and strategies tailored to their present and future goals. She focuses on simplifying the complexities of investing to ensure clients feel confident and secure in the financial plans they build together. Krista has been with Fidelity Investments since 2019, progressing through various roles including Financial Representative, Relationship Manager, Planning Consultant, and Financial Consultant before her current position. Her experience encompasses client relationship management and financial planning within the firm. Outside of her professional responsibilities, Krista has interests in fitness, food, golf, hiking, spending time at the lake, and caring for pets.

Patrick Traynor is a Series 66-credentialed financial advisor with five years of industry experience. He is currently with Vanguard Advisers, where he has worked since 2025. His prior roles include positions at Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice, serving retail investors and eligible 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.

Emma Gibney is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Wells Fargo, she worked at The Vanguard Group and has experience in various roles including content streaming on Twitch. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers a range of brokerage and advisory solutions and manages approximately $671 billion in assets.

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.