Rick Cruz is a financial advisor at Vanguard Advisers with six years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to his current role, Cruz has worked at Primerica Advisors, Wells Fargo, TIAA-CREF, and has been involved in real estate sales and music recording through his ownership of several businesses. He is the owner of Biltmore Records, Inc., a music recording company. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach that emphasizes personalized asset allocation through Vanguard funds and ETFs. The firm manages a large client base via its digital platform and team servicing model.

Katie Riegel is a financial advisor with Cambridge Investment Research Advisors in Mooresville, NC. She holds Series 65 and Series 63 credentials and has eight years of industry experience. She is also involved in her community as the treasurer of the Mooresville Youth Baseball Association. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides various investment solutions, including proprietary models and access to third-party strategists, with flexible custody and platform options tailored to client objectives.

Machaka Young is a CFP® professional with seven years of industry experience, currently serving as an advisor at Vanguard Advisers. His prior roles include positions at Amazon, Walgreens, and Northwestern Mutual. Vanguard Advisers delivers both 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.

Michael Alonso is a financial advisor at Vanguard Advisers with 18 years of industry experience. He holds the Series 66 designation and has worked previously with firms including Scottrade, TD Ameritrade, and Wells Fargo. Outside of his advisory role, he is involved as a landlord and owner of Kim Driver Properties LLC. Vanguard Advisers offers both automated and human-supported investment advice, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Juan Quiroz Lopez is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Charlotte, NC. He has been with Vanguard since 2025, with prior experience that includes roles at Vanguard Marketing Corporation and The Vanguard Group, as well as work outside the financial industry at Platinum Used Cars and GCC Auto Sales. Juan also spent several years affiliated with the University of North Georgia. 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, constructing portfolios mainly from Vanguard funds and ETFs and offering a range of customization options.

Alfred Current IV is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard and its affiliates since 2016. In addition to his advisory role, Alfred serves as an officer in the North Carolina Army National Guard, focusing on training and equipment accountability. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services for retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, emphasizing scale and digital delivery.

Kimberly Whitlock is a CFP® certificant with 20 years of experience in the financial industry. She has been with The Vanguard Group, Inc. since 2006. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to set personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs with various customization options.

Jeffrey Kendall is a financial advisor with LPL Financial in Huntersville, NC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2007 and also operates Triumvirate Financial Services, a related investment business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning, advisory programs, and consulting services.

Kevin Sims is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with Vanguard Advisers since 2019 and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. 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 approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Stephan Buker is a Financial Consultant who collaborates with families to understand their goals and needs. He works closely with clients to develop personalized financial plans tailored to their unique situations. He has held several positions at Fidelity Investments, including Investment Consultant (2022-2023), Fixed Income (2021-2022), High Net Worth Associate (2020-2021), and Customer Relationship Advocate (2020). These roles have contributed to his experience in investment consulting and client relationship management.

Vineeta Agrawal is a financial advisor at Vanguard Advisers with Series 66 credentials and one year of industry experience. Her prior work includes roles at The Vanguard Group, Inc., Vanguard Marketing Corporation, and earlier experience at Tata Consultancy Services and Valenta BPO. 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 using proprietary models to tailor asset allocations, primarily utilizing Vanguard funds and ETFs.

Adam Davey is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on legacy planning, personal retirement planning, and tax minimization. Adam works with clients to develop strategies that address their short-, mid-, and long-term financial goals and provides ongoing advice tailored to changing needs. He facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Before transitioning to financial advising, Adam spent ten years in the golf industry as a member of the PGA. His passion for investing motivated a career change that continues to emphasize helping clients in meaningful ways. He describes his approach as transparent, honest, and focused on simplification and stress reduction in the financial planning process. Adam holds a Bachelor's Degree from Pfeiffer University, an Associate's Degree from Loughborough University, and a High School Diploma from Spalding Grammar School. He has earned the Personal Investment Advisor (PIA) designation. Outside of work, Adam enjoys golfing, soccer, and spending time with his family.

Ethan Willis is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 63 and Series 66 licenses and has four years of industry experience, including prior work at Edward Jones and Bank of America. Outside of his advisory role, Willis coaches golf at Palmetto Christian Academy. 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 using proprietary models to create personalized asset allocations primarily built from Vanguard funds and ETFs, offering a range of customization and tax-aware features.

Mark Szeghy is a financial advisor with Primerica Advisors in Cornelius, NC, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has been affiliated with PFS Investments, Inc. and Primerica Financial Services since 1999. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Spencer Moody is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds a Series 66 designation and has five years of industry experience. His career includes roles at Vanguard Marketing Corporation, The Vanguard Group, and Northwestern Mutual. 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 mainly Vanguard funds and ETFs.

Kenneth Alexander is a financial advisor with Vanguard Advisers, holding a Series 66 designation and five years of industry experience. He has worked at Vanguard Advisers, Vanguard Marketing Corporation, and The Vanguard Group since 2021, following prior roles at Movement Mortgage and Northwestern Mutual. His background also includes experience outside finance, including involvement with the Down Syndrome Association of Greater Charlotte and Covenant College. 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 proprietary methodologies to construct portfolios mainly from Vanguard funds and ETFs, supported by a large team and digital platform that manages a high volume of client relationships.

Anastasia Massiah is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC. She has spent her career primarily at The Vanguard Group, INC., with a notable prior role at Gold Canyon Candles. 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 largely composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital delivery and a broad advisor team.

William Carr is a financial advisor at Vanguard Advisers with two years of industry experience. He holds Series 65 and Series 63 licenses. Prior to his current role, he worked at Trinity Wealth Securities, LLC and Florida Financial Advisors, LLC. Vanguard Advisers serves retail investors and eligible employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm utilizes a goal-based, algorithm-driven approach to portfolio construction, primarily employing Vanguard funds and ETFs with features such as tax awareness and customization options.

Latasia Ingram is a financial advisor at Vanguard Advisers with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of her advisory role, she is involved in property management through LMI Properties, LLC. 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 using proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and managing a high volume of client relationships through its digital delivery platform.

Derek Whitmire is a Certified Financial Planner® with 21 years of experience, currently serving at Vanguard Advisers since 2005. He holds the Series 63 license and is based in Charlotte, North Carolina. Vanguard Advisers provides both 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 create personalized portfolios primarily composed of Vanguard funds and ETFs, serving a large client base through a digital platform supported by over 2,200 advisors.