Lorenzo Lemise is a CFP® with six years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior work includes roles at Merrill Lynch and positions at Virginia Polytechnic Institute and State University. He is based in Charlotte, NC. Vanguard Advisers offers both automated and human-supported investment advice through its Digital Advisor 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, supporting customization options such as ESG and tax-aware strategies.

Rene Eisele is a financial advisor at Vanguard Advisers with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including TIAA and Valic Financial Advisors. Outside of his advisory role, he is the President and Founder of The Lovis Foundation, a nonprofit focused on supporting young people in the disability community, first responders, and others. Vanguard Advisers delivers 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 to construct portfolios primarily from Vanguard funds and ETFs, managing a large client base through its digital platform and extensive advisor team.

Sarah Hayes is a financial advisor at Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses with four years of industry experience. Prior to joining Vanguard, she worked at Amazon Logistics and Paul Mitchell the School Charlotte. Vanguard Advisers offers 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 tailor asset allocations, focusing on portfolios constructed mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Christopher Arcuri is a financial advisor with Morgan Stanley in Concord, NC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior work includes 15 years at TIAA-CREF and five years at E*TRADE Securities and E*TRADE Capital Management before joining Morgan Stanley. Morgan Stanley Wealth Management provides a wide range of advisory programs for individual and institutional clients, focusing on structured financial planning supported by firm-approved tools and market simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-linked financial planning services.

Winston Smith is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and possessing 23 years of industry experience. He has been with Vanguard Advisers since 2019 and has held roles at other Vanguard entities since 2013. He also serves as a limited agent for his spouse in an investment-related capacity. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios largely from Vanguard funds and ETFs with options for tax-aware management and customization.

Graham Whittle is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and five years of industry experience. He has been with Vanguard Advisers since 2022 and also works as a private football coach with CoachUp, Inc. outside of his advisory role. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large team of advisors and a digital delivery platform.

Sara Wynkoop is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with three years of industry experience. Her prior work history includes positions at Randstad, KBR, Inc., and Virginia Polytechnic Institute and State University. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs, and manages a high volume of client relationships through its digital delivery platform.

Scott Watson is a financial advisor at Vanguard Advisers with 28 years of industry experience. He has been with The Vanguard Group since 2013 and holds Series 63, Series 65, and Series 66 licenses. Based in Charlotte, NC, his current role is within one of the largest advisory firms in the industry. Vanguard Advisers offers investment advice through both automated and human-supported services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios using primarily Vanguard funds and ETFs.

Jarrett Sparks is a financial advisor at Vanguard Advisers with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Vanguard and TIAA-CREF. Vanguard Advisers serves retail investors and employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models and primarily invests in Vanguard funds and ETFs, offering a range of customization options including tax-aware strategies and ESG exposures.

Aadhitiya Ganeshkumar is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation and beginning their career in 2026. Prior to joining Wells Fargo, Aadhitiya worked at Consolidated Planning and has educational experience at Virginia Tech University and in secondary education. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides brokerage and advisory solutions with an investment approach grounded in research, diversification, and modern portfolio theory.

Angela Allen is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. Her career includes previous roles at Merrill and First Citizens Investor Services before returning to Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Michael Hanzlik is a CFP® professional with over 20 years of industry experience. He has been with Edward Jones since 2005. Outside of his advising role, he is a partner at Two Kings Investors LLC, a commercial real estate business in Concord, NC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Nina Palmer is a financial advisor with Vanguard Advisers, holding a Series 66 designation and eight years of industry experience. She has been with Vanguard and its affiliated entities since 2018 and previously worked at Wiseman and Associates Wealth Management. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach focused on personalized asset allocation, featuring portfolios built mainly from Vanguard funds and ETFs.

Matthew Young is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Advisers and related Vanguard entities since 2018. Prior to joining Vanguard, he had brief roles in the legal and baking industries. 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 approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Joshua Hudgins is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and two years of industry experience. He previously worked at The Vanguard Group, Inc. for three years and has held positions at various companies including Mindlance Inc and Lowe’s. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions using research and analytics grounded in diversification and modern portfolio theory.

Randall Jennings Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard and affiliated entities since 2022. Outside of his advisory role, he owns and operates Shmiggady Vending, LLC, a vending machine business. 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 approach to asset allocation, largely utilizing Vanguard funds and ETFs, and offers a broad range of customization options through its digital platform.

Adam Montgomery is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has been with The Vanguard Group since 2004. Vanguard Advisers offers 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 portfolio construction, relying largely on Vanguard funds and ETFs, and manages a large client base through a combination of digital tools and advisor support.

Colin Beagan is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 63 designation and has prior work experience at Vercara, LLC and DYSIS. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Jennifer Holmes is a financial advisor at Vanguard Advisers with 20 years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services and Scottrade. Holmes is based in Charlotte, NC. Vanguard Advisers provides 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 constructed from Vanguard funds and ETFs. The firm serves a large client base through a combination of digital delivery and advisor support.

Christopher Frederick is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and having 11 years of industry experience. His prior roles include positions at Corbett Road Wealth Management, Spire Investment Partners, Rather & Kittrell, and Centurion Wealth Management. He is currently employed by The Vanguard Group and its affiliated entities. 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 using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.