John Rizzo is a Series 66-licensed financial advisor with UBS Financial Services in Charlotte, NC, and has 18 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets solutions supported by proprietary research and market insights.

Daniel Gillette is a Series 66 licensed financial advisor with Merrill in Charlotte, NC, having 18 years of industry experience. He has been with Merrill since 2009 and is also associated with Bank of America, N.A. since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Yuval Ezer is a CFA® charterholder and Series 66 licensee with three years of industry experience. He currently serves as a financial advisor at UBS Financial Services and has held prior roles at Foster Victor Wealth Advisors and Wealth Enhancement Group LLC. Outside of his advisory work, he is an advisory board member for ACS Industries, a manufacturing firm. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining proprietary research and capital market insights with wealth management services and institutional trading capabilities.

Jackson Spires is a financial advisor at Fidelity with a Series 66 credential and approximately one year of experience. His prior roles include positions at Truffles, DoorDash, and the University of Alabama. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services along with model portfolios.

John Ager is a CFP® certificant with over 31 years of experience in financial services. He has been associated with Raymond James Financial Services Advisors Inc. since 2013. In addition to his advisory role, he owns Ager Financial Corporation, a support company based in Charlotte, NC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diversified client base, including individuals, high-net-worth clients, and institutional entities. The firm uses analytical tools such as risk profiling and probabilistic modeling to tailor non-discretionary planning and consulting to client goals.

Carol Reynolds is a financial advisor at Morgan Stanley in Charlotte, NC, with 33 years of industry experience. She has been with Morgan Stanley since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning and offers a broad range of investment products and services.

Kristin Rossell is a financial advisor with Ameriprise in Fort Mill, SC, holding Series 63 and Series 66 credentials and 15 years of industry experience. She previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments from 2010 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized retirement-income consulting team.

Johnathan Dungan is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds the Series 66 designation and has one year of industry experience, including prior roles at Atlas Investment Management of Nest Capital and the University of North Carolina at Wilmington. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support its investment approach.

Daniel Maday is a financial advisor with Equitable Advisors in Waxhaw, NC, holding a Series 66 designation and over 22 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2002. Maday also operates under the DBA Royal Financial Partners. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Benjamin Davis is a financial advisor with LPL Financial in Charlotte, NC, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Equitable Advisors and Alternative Health Distributions. Davis also has work experience at Davidson College and in the food service industry with Chicken Salad Chick. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to models and research from multiple sources.

Andrew Eckhardt is a financial advisor with UBS Financial Services holding a Series 66 designation and four years of industry experience. His prior experience includes roles at Prosek Partners and a background that spans both professional and community activities in Squirrel Island. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm leverages proprietary research and model-based asset allocations to provide tailored financial planning and portfolio management, combining institutional trading capabilities with wealth management services.

Charles Dekrafft II is a financial advisor with OSAIC in Charlotte, NC, holding Series 63 and Series 65 credentials and with 34 years of industry experience. He spent 32 years at Lincoln Financial Advisors Corporation before joining OSAIC in 2025. Outside of his advisory role, he is involved in the solicitation and placement of various insurance and annuity products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a broad network of advisors, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to tailor portfolios that can include a range of investment vehicles.

Bryan Perry is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career in 1997 with a small financial planning boutique and joined Merrill Lynch Wealth Management in 2001. Since 2003, Bryan has been a financial advisor with The Payne Perry Group. He holds several professional designations including Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bryan earned a Bachelor's degree in Finance from Bloomsburg University and a Master's degree in Taxation from Villanova University Law School. Bryan is actively involved in his community, serving on the Sea Girt Borough Council and having previously served on the Sea Girt Elementary Board of Education. He has coached basketball with Mid Monmouth Basketball and Sea Girt Recreation Basketball, as well as baseball with Tri-Shore Little League. Bryan resides in Sea Girt with his family.

Andrew Szklinski is a financial advisor at Mass Mutual Investors Services in Charlotte, NC. He holds Series 63 and Series 65 designations and has been with Mass Mutual since 2025. Prior to joining the financial industry, his work history includes roles at Restoration Hardware and the University of North Carolina at Charlotte. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software to deliver written recommendations and offers specialized planning programs, including recent additions such as Divorce Planning.

Richard Croffut is a financial advisor with Edward Jones in Monroe, NC, holding the ChFC® designation and Series 66 license. He has 17 years of industry experience and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both high-net-worth and non-high-net-worth households, as well as pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies, operating under a fiduciary standard.

Cortney Fluegeman serves as Vice President Private Wealth Management Advisor at Fidelity Investments. She has been with Fidelity since 2006, progressing through various roles including Vice President Regional Planning Consultant and Vice President Financial Consultant. With over two decades of industry experience, she focuses on delivering thoughtful guidance and personalized wealth planning aligned with clients' values and goals. Her professional journey at Fidelity encompasses a wide range of financial advisory roles, demonstrating a commitment to trusted insight and building lasting relationships with clients. Cortney emphasizes the importance of understanding what matters most to clients and their families in wealth planning. Outside of her professional work, Cortney enjoys activities such as camping, attending concerts, exploring culinary interests, golfing, hiking, and traveling.

Lauren Gehrig is a financial advisor with UBS Financial Services in Charlotte, NC, holding a Series 66 designation and three years of industry experience. Prior to joining UBS, she worked at Valeo Financial Advisors, Boiler Financial Track, and Southeast Financial Group. She also has an academic background with experience at Purdue University and Cardinal Gibbons High School. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, blending institutional trading capabilities with wealth management services and leveraging proprietary research to tailor client portfolios.

Manuel Martinho is a financial advisor with Morgan Stanley in Charlotte, NC, holding Series 66 and Series 63 designations and bringing 26 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2021, and previously worked at Unionbanc Investment Services for 15 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include financial planning and estate strategies, operating primarily in an advisory capacity.

Frank Summers is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Edward Jones and MassMutual. Outside his advisory role, Summers serves on the board of Monroe Road Advocates, participates in the Rainbow Foster Network executive committee, and works as an adjunct instructor and academic advisor for insurance education programs. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers and various program structures.

Richard Fuller is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has worked at Merrill since 2009 and has over 30 years of experience with Bank of America, N.A. based in Charlotte, NC. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal Chief Investment Office strategies with third-party managers and supports trading, administration, and custody.