Townsend Williams is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and with 10 years of industry experience. He has been with TIAA and TIAA-CREF Individual & Institutional Services, LLC since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with connections to TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund.

Jamie Lapish is a financial advisor at TIAA-CREF with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with TIAA since 2005, including its Individual and Institutional Services division. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs primarily to individuals with pre-existing employer retirement plan relationships, as well as trusts, estates, and small retirement plans. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.

Charles Milian is a financial advisor at TIAA-CREF with 8 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Vanguard Advisers, Inc., Vanguard Marketing Corporation, and involvement with Elevation Church and Leatherman Golf and Learning Center. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves many clients with existing TIAA-administered retirement plans and offers tailored management through customized and model portfolios.

Tony Montini is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Ameriprise, Merrill, and Morgan Stanley. He is also active in insurance sales, licensed with multiple carriers under competitive underwriting. Park Avenue Securities, a wholly owned subsidiary of Guardian Life, provides brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers financial planning, discretionary and model-based investment management, and access to proprietary and third-party advisory platforms.

Joshua Howard is a Series 66-licensed advisor at Truist Advisory Services with one year of industry experience. His work history includes roles at Truist Investment Services, Neiman Marcus Group, Burberry, and Bank of America. Truist Advisory Services provides investment consulting, financial planning, portfolio management, and retirement plan services to individuals, corporations, plan sponsors, and charitable organizations. The firm uses a combination of financial data collection, goal setting, and asset allocation strategies, supported by AI-enabled research tools, to serve a diverse client base.

Casey Brighton is a financial advisor at TIAA-CREF with 12 years of industry experience. He holds the Series 66 designation and has worked previously at LPL Financial and Edward Jones. Outside of his advisory role, he serves as president of his community’s homeowners association board. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals and various entities, frequently serving clients with existing TIAA retirement plan relationships. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund within a vertically integrated structure.

William Hunicke is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill. He is based in Charlotte, NC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides customized portfolio management under a fiduciary standard and acts as adviser to a donor-advised fund.

Dean Cushing is a financial advisor at TIAA-CREF with three years of industry experience and holds a Series 66 designation. Prior to joining TIAA-CREF in 2023, he worked at Ruffalo Noel Levitz and has experience in various roles spanning education and sports organizations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm’s advisory services separate one-time financial planning from ongoing portfolio management, offering both model-based and customized investment approaches.

Kenneth Holt Jr. is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63, Series 65, and Series 66 credentials and bringing 13 years of industry experience. He has been with TIAA-CREF since 2015, following a brief period at Wells Fargo Clearing. Outside of his advisory role, Holt serves as a basketball and football referee for middle and high school sporting events under the NCHSAA. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, and other entities. The firm offers both point-in-time planning and ongoing managed portfolio services, operating within a vertically integrated model that includes donor-advised funds.

Anita Lynch is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 credential and 22 years of industry experience. She has worked at First Citizens Investor Services since 2017, following roles at Publix and Lowe's Home Improvement. Anita is also a co-owner of AJ Property Partners, LLC, a family business involved in real estate investments. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate clients. The firm employs a client-centered process using fundamental, quantitative, and technical analysis for portfolio allocation and offers various investment solutions including managed accounts, wrap programs, and tax-aware services.

Janet Fisher is a financial advisor with Truist Advisory Services in Charlotte, NC, holding Series 63 and Series 65 licenses and 30 years of industry experience. She previously worked at Wells Fargo Clearing and Wachovia Bank, N.A. Fisher serves as a board member of the Charlotte Tennis Association, where she helps organize local youth and adult tennis tournaments. Truist Advisory Services provides investment consulting, financial planning, portfolio management, and retirement plan services to individuals, corporations, plan sponsors, and charitable organizations. The firm combines traditional research and AI-enabled tools to support asset allocation, manager selection, and ongoing client reviews.

Susan Imel is a Series 66 licensed financial advisor with 20 years of industry experience. She is currently with Truist Advisory Services, where she has worked since 2021, and previously held positions at Merrill, BB&T Securities, SunTrust Advisory Services, Waddell & Reed, and UBS Financial Services. In addition to her advisory role, she serves as an occasional notary public in Mecklenburg County. Truist Advisory Services offers investment consulting, financial planning, portfolio management, and retirement plan services to individuals, corporations, plan sponsors, and charitable organizations. The firm uses a combination of client data, goal-setting, AI-enabled research, and manager selection via the Envestnet platform, supported by its affiliations with Truist Financial and related entities.

Abby Lord is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and six years of industry experience. She has worked at TIAA-CREF Individual & Institutional Services, LLC and TIAA since 2019 and previously held positions at Beach and Associates and Maine Savings Federal Credit Union. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with pre-existing retirement plan relationships, as well as to trusts, estates, partnerships, and small retirement plans. The firm also advises a donor-advised fund and operates within a vertically integrated group offering affiliated funds.

Ross Kirkman is a financial advisor with TIAA-CREF based in Charlotte, NC, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. He has been with TIAA-CREF since 2010, including its Advice & Planning Services division from 2012 onward. Outside of finance, he is involved in a business selling Angus beef to restaurants and farmers markets in Silver City, NC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected to employer retirement plans, as well as to trusts, estates, and small retirement plans. The firm’s advisory model distinguishes between point-in-time planning and ongoing portfolio management, providing both model-based and customized portfolio options.

Brett Covert is a CFP®-certified financial advisor at Corient with 15 years of industry experience. His career background includes roles at Merrill, Bank of America, Wells Fargo Clearing, and Ci Brightworth, among others. He is based in Charlotte, NC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that integrates in-house strategies with third-party managers and employs risk management tools and alternative investments where appropriate.

Timothy Jones is a financial advisor at Janney Montgomery Scott with 37 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes positions at Wells Fargo Clearing, Deutsche Bank Securities, RBC Capital Markets, and Morgan Stanley. Janney Montgomery Scott LLC manages approximately $110 billion in client assets, serving individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs, combining in-house portfolio management with third-party managers across various wrap programs and unified managed accounts.

Willie Stokes is a financial advisor at Truist Advisory Services with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has worked at firms including TIAA-CREF, Innovation Partners LLC, and Mass Mutual Investors Services. Truist Advisory Services offers investment consulting, financial planning, portfolio management, and retirement plan services to individuals, corporations, plan sponsors, and charitable organizations. The firm employs a combination of traditional research and AI-enabled tools to support its advisory services and partners with Envestnet for manager selection and retirement plan solutions.

Allen Schiff is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with TIAA and TIAA-CREF since 1994 and 2002 respectively. Outside of his advisory role, Schiff is an owner of a vacation rental property in Sunset Beach, North Carolina. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund.

Matthew Woods is a CFA® charterholder with four years of industry experience. He has been with Wells Fargo Investment Institute, Inc. since 2021 and previously worked at Wells Fargo Bank from 2016 to 2021. He holds a Series 63 license and is based in Charlotte, NC. Wells Fargo Investment Institute provides manager research, global investment strategy, securities research, asset allocation analysis, and model-portfolio services to Wells Fargo affiliates and unaffiliated financial institutions. The firm delivers non-customized model portfolios developed through specialist divisions and does not provide individualized financial planning or discretionary account management.

Eric Stephen is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 19 years of industry experience. He has been with TIAA-CREF since 2010. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm provides both point-in-time planning and ongoing portfolio management through model and customized portfolios, operating under a fiduciary standard with a vertically integrated structure that includes affiliated funds.