Coty Consic is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at several firms including Bank of America, Merrill, Vanguard Advisers, and The Vanguard Group. His background also includes a brief role at Doordash and experience in marketing and operations at Wooden Robot Brewery. 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 with existing TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing portfolio management, operating within a vertically integrated group that includes affiliated funds and donor-advised fund services.

Robert Treff is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with TIAA-CREF since 2005. 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 connected through employer retirement plans administered by TIAA. The firm combines point-in-time planning services with ongoing portfolio management using model or customized strategies and acts as adviser to a donor-advised fund.

Ethan Cummings is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF, he worked at Carolina Housing and Harris Teeter. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals with pre-existing relationships through employer retirement plans, as well as trusts, estates, and small retirement plans. The firm operates a vertically integrated advisory model that separates point-in-time planning from ongoing portfolio management.

Alfredo Negrete Abreu is a financial advisor at TIAA-CREF with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, UBS Financial Services, and Fisher Investments. Outside of his advisory role, he works as a rideshare contractor for Uber Technologies. TIAA-CREF’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 pre-existing relationships through employer retirement plans. The firm provides both point-in-time planning and ongoing managed account services, utilizing model and customized portfolios managed under client-approved investment policies.

Sarah Rhodes is a financial advisor at &PARTNERS with 14 years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining &PARTNERS in 2026, she worked at Wells Fargo Clearing and Wells Fargo Bank NA for a combined 12 years. &PARTNERS serves a diverse range of clients including high-net-worth individuals, institutions, and charitable organizations. The firm offers investment management, financial and tax planning, and retirement-plan consulting through a combination of proprietary and third-party strategies, utilizing fundamental, technical, and quantitative analysis.

Joseph Norton is a CFP® with 22 years of experience in the financial services industry. He has worked at Creative Planning since 2021 and previously held roles at Alaris Acquisitions and The Vanguard Group. He is based in Charlotte, NC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting and selective private market exposure.

James Linsenmayer is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill, UBS Financial Services, and Wells Fargo Clearing. Linsenmayer is based in Charlotte, NC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, and corporate entities. The firm offers a range of advisory services including model and customized portfolio management under fiduciary standards and serves as adviser to a donor-advised fund.

Kayla Stern is a financial advisor with TIAA-CREF, holding a Series 66 designation and nine years of industry experience. She has worked at TIAA-CREF since 2018 and previously held positions at TD Ameritrade and Scottrade. Outside of financial advising, she owns an Etsy shop specializing in children's clothing. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with TIAA-administered employer retirement plans. The firm combines point-in-time planning services with ongoing discretionary portfolio management under a fiduciary standard.

Christopher Horne is a financial advisor at TIAA-CREF with six years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2017, including his current role from 2020. Prior to joining TIAA, he was employed at SABIC for three years. 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. The firm serves clients often connected through TIAA-administered employer retirement plans and acts as adviser to a donor-advised fund, utilizing a fiduciary standard within a vertically integrated structure.

Jacob Whitaker is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Waddell and Reed, and Target Corporation. Whitaker also serves as a soldier in the United States Army Reserve. 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 with existing TIAA-administered employer retirement plan relationships. The firm offers advisory services that combine one-time financial planning with ongoing portfolio management through model and customized portfolio options.

William Dunlop Jr. is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes service with the City of New York Fire Department and Centennial Security Integration. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Samaria Frazier is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with TIAA and TIAA-CREF Individual & Institutional Services since 2001. Outside of her advisory role, she owns and manages rental property. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm also offers referrals to affiliated services and acts as adviser to a donor-advised fund.

Thomas Qualls is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. His prior work includes roles at Smurfit Westrock, State Farm, and Americap, as well as various positions connected to educational and recreational organizations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with pre-existing relationships through TIAA-administered employer retirement plans, as well as trusts, estates, and other entities. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary portfolio management.

Thomas Owens III is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 designation and 19 years of industry experience. He has been with First Citizens Bank and First Citizens Investor Services since 2011. Owens serves as an officer and director and is a member of the Finance Committee at Deerfield Episcopal Retirement Community, a nonprofit organization. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses fundamental, quantitative, and technical analysis to manage portfolios including equities, fixed income, mutual funds, and ETFs, offering a range of solutions such as model portfolios, wrap programs, and tax-aware services.

Katherine Mazzucco is a financial advisor at TIAA-CREF with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at TIAA and Alight Financial Advisors, LLC. Prior to her advisory roles, she was employed at Branch Banking & Trust Company and the University of North Carolina at Charlotte. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected with TIAA-administered retirement plans, as well as trusts, estates, and corporate entities. The firm’s advisory model distinguishes between one-time planning services and ongoing portfolio management, utilizing both model and customized investment strategies.

Andrew Bain is a financial advisor at TIAA-CREF with 27 years of industry experience. He has been with TIAA-CREF since 2005 and holds Series 63 and Series 65 licenses. 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 offers point-in-time planning services alongside ongoing portfolio management, using both model and customized portfolios, and serves as adviser to a donor-advised fund within a vertically integrated investment structure.

Tonya Guffey is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fifth Third Securities since 2022, as well as at Fifth Third Bank since 2018. Prior to that, she was employed at PNC Bank from 2015 to 2018. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Michelle Kuzma Kempf is a financial advisor with Hightower Advisors in Charlotte, NC, holding a Series 66 designation and bringing 20 years of industry experience. Her career includes 15 years with Hightower Advisors and Hightower Securities, LLC, following earlier roles at Morgan Stanley from 2006 to 2011. Hightower Advisors provides investment advisory and planning services to individual and institutional clients, offering portfolio management, financial planning, and retirement plan consulting through a network of Advisor Practices. The firm emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, proprietary research, and diverse investment vehicles.

Christine Dixon is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management, applying a fiduciary standard across its services.

Michael Cappelletti is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and seven years of industry experience. His prior roles include five years at LPL Financial LLC and two years at Brighthouse Securities, LLC. Before entering the financial sector, he worked in retail and entrepreneurial ventures. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as various institutional clients. The firm offers both point-in-time planning and ongoing portfolio management with a fiduciary standard applied to its RIA services.