Ryan Lee is a CFP® with 25 years of experience in the financial services industry, currently serving as an advisor at Vanguard Advisers since 2014. He has been affiliated with The Vanguard Group and its related entities since 2000. Outside of his advisory role, he works as a contract driver for a delivery service. 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 to portfolio construction, utilizing proprietary models and predominantly Vanguard funds and ETFs.

Steven Reich is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 63 and Series 66 designations and has prior experience with Avantax Investment Services Inc. and Independent Tax & Financial Planners, PC. Outside of finance, Reich has been involved with the LSAA Basketball Association. 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 constructed mainly from Vanguard funds and ETFs, combining digital delivery with a team servicing model to manage a large client base efficiently.

Curtis Ackerly is a CFP® with eight years of industry experience, currently serving as an advisor at Vanguard Advisers since 2017. Prior to joining Vanguard, he held positions at Ruby Tuesday, the University of South Carolina, and the Moore School of Business. Curtis is also involved as an agent for a family business outside of his advisory role. 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 investment approach and manages portfolios primarily composed of Vanguard funds and ETFs.

Blake Mathews is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Deutsche Bank and the University of Georgia before joining Vanguard. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, 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 combination of digital platforms and advisory teams.

Stephen Wang is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He previously worked at Wells Fargo Clearing for eight years before joining LPL Financial. Outside of his advisory role, he is a business owner of Without Limit Inc., a venture unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services and platforms, including financial planning, model portfolio programs, and institutional solutions, supported by technology tools for operational and research assistance.

Andrew Cheshire is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 18 years of industry experience. Prior to joining Wells Fargo in 2022, he spent 16 years at The Vanguard Group. Outside of his advisory role, he works part-time as a sales clerk at a retail store in Matthews, North Carolina. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, performance reporting, participant education, and plan benchmarking.

Michael Lewis is a financial advisor with Vanguard Advisers based in Charlotte, NC, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He has been with The Vanguard Group since 2007. Outside of his advisory role, he is the owner of HTM Development, LLC. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large advisor team and advanced digital platform.

Amanda Quinn is a financial advisor at Merrill with nine years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017, alongside roles at Bank of America and U.S. Bank. Outside of her advisory work, she serves as a golf attendant at Tempo Golf Club and is a board member for the Barringer Square Homeowners Association. Merrill, together 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 strategies for individuals, high-net-worth clients, and institutional investors.

Matthias Black is a financial advisor at Vanguard Advisers in Charlotte, NC, holding a Series 66 designation. He has been with Vanguard and its affiliates since 2025. Prior to joining Vanguard, he worked in various roles across multiple industries, including media, retail, and education. 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 to construct personalized portfolios largely comprised of Vanguard funds and ETFs, supported by a large advisory team and digital delivery platform.

Peyton Godbey is a financial advisor at Merrill with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Merrill and Bank of America, Godbey worked at Equitable Advisors and has been involved with the Charlotte Soccer Academy as a youth soccer coach. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary investment strategies for a range of individual and institutional clients.

Patrick Duffy is a financial advisor with Equitable Advisors in Charlotte, NC, holding Series 63 and Series 65 designations and 27 years of industry experience. His prior roles include nearly a decade at Eaton Vance Distributors, Inc., as well as positions at TIAA, Pensionmark Financial Group, Acrisure Investment Advisory, and ADP. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of investment adviser representatives, utilizing both proprietary and third-party investment models and services.

David Monteith Jr. is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at The Vanguard Group, Inc. since 2007, including his current role since 2025. 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 using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

Michael Crutchfield is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior roles include nearly a decade at TIAA and a year at CUSO Financial Services. He maintains licenses in life, accident, health insurance, and annuities. Vanguard Advisers offers automated and human-supported investment advice to retail investors and retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team service model.

Christopher Ekstrom is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Merrill and Bank of America since 2020, following positions at Fifth Third Bank, Oneamerica Securities, and American United Life. Outside of his advisory role, he is a general partner and managing member of Lil & Clem Sales, LLC, assisting with administrative duties. Merrill, together 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.

Selena Abraham is a financial advisor at Vanguard Advisers with 27 years of industry experience. She has been with The Vanguard Group, Inc. since 1998. 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, offering portfolios primarily constructed from Vanguard funds and ETFs with various customization options.

Matthew Ayer is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation and beginning his industry experience in 2025. Prior to joining Wells Fargo Clearing, he worked at DYSIS and the Southeastern Bar. He also has experience in education and hospitality, including serving in the public school system and working at Showmars Restaurant. 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 with over 14,000 advisors and offers both brokerage and advisory solutions.

Robert Kidd III is a CFP® professional with 13 years of industry experience, currently working at Vanguard Advisers. His prior work history includes roles at TIAA-CREF, UBS Financial Services, E*TRADE Securities, Wells Fargo Clearing, and Fidelity Brokerage Services. 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, serving a large client base through a combination of digital platforms and advisor support.

Nathan Campbell is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 credentials and seven years of industry experience. He has been with Vanguard and its affiliates since 2019 and is also self-employed as a contracted driver for ride-sharing services. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and offers portfolios constructed largely from Vanguard funds and ETFs with various customization options.

Pierre Marquina is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 registrations and three years of industry experience. Before joining Vanguard Advisers in 2025, he was self-employed and owned a tattooing business. He has also worked with Vanguard Marketing Corporation and The Vanguard Group since 2022. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach primarily composed of Vanguard funds and ETFs. The firm manages a large client base with over 2,200 advisors, combining digital delivery with team servicing.

Levanza Breeland is a Series 66-registered financial advisor with Wells Fargo Clearing, based in Charlotte, NC, and has 10 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advising role, she owns TheConnectionClub.com, a travel-related business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.