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 with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He previously worked at TIAA-CREF and Tiaa from 2015 to 2024 before joining The Vanguard Group in 2024. Vanguard Advisers provides 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 hundreds of thousands of clients through its digital platform and a team of more than 2,200 advisors.

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 at Vanguard Advisers with seven years of industry experience. She has worked at The Vanguard Group since 2018 and previously was with Wiseman and Associates Wealth Management from 2015 to 2018. She holds a Series 66 designation. Vanguard Advisers delivers automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations primarily constructed 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.

Jarred West is a financial advisor with Raymond James Financial in Cornelius, NC, holding Series 63 and Series 66 credentials and 11 years of industry experience. He previously worked at Janney Montgomery Scott and Wells Fargo Advisors. West is also an associate at Williamson Wealth Group, where he serves as a financial advisor for a book of business. Raymond James Financial Services Advisors, Inc. serves a diverse client base that includes individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing advisory and implementation-support roles rather than discretionary management.

Laura Healey is a financial advisor with Merrill in Huntersville, NC, holding a Series 63 designation and 29 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. In addition to her advisory role, she provides notarial services to Merrill clients. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates investment strategies developed by its Chief Investment Office with third-party managers, leveraging Bank of America’s broader corporate platform to provide access to a wide range of products and services.

Randall Jennings Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Vanguard-related entities since 2022. Outside of his advisory role, he owns and manages a vending machine business called Shmiggady Vending, LLC. Vanguard Advisers provides automated and human-supported investment advice focused on retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, supported by a large digital platform and a team advisory model.

Jillian North is a financial advisor at Ameriprise in Mooresville, NC, holding a Series 66 designation with two years of industry experience. Prior to joining Ameriprise, she worked at Arizona State University and was involved with the Valley of the Sun Jewish Community Center. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized retirement income plans through a centralized consulting team.

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.

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.

Tom OMara is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. In this role, he focuses on building strong relationships by listening carefully to clients to understand their priorities and helping connect everyday financial decisions to their broader life goals. He works closely with advisors and remains engaged beyond the initial planning stages to support clients throughout their financial journeys. Prior to his current position, Tom held several roles at Fidelity Investments, including Relationship Manager, Financial Representative, and Financial Services Representative, gaining experience in various aspects of financial planning and client relationship management. His professional progression within Fidelity reflects a solid foundation in financial services and client support. Outside of his professional work, Tom enjoys family activities, social events with friends, hiking, music, and skiing.

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.

Grant Keenan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and having five years of industry experience. He has been with Vanguard entities since 2020 and is also involved in managing a family equipment rental business in Kitty Hawk, NC, where he handles logistics and seasonal delivery services. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to asset allocation, leveraging Vanguard funds and ETFs with various customization options, and supports a large client base through a high client-per-advisor ratio.

Ryan Sochacki is a financial advisor at Morgan Stanley with 20 years of industry experience. He has been with Morgan Stanley and its affiliates since 2015. He holds a Series 63 designation. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning arrangements.

David Feldmiller Jr. is a CFP® with 12 years of industry experience currently serving at Vanguard Advisers. He has worked with various entities within the Vanguard organization since 2014, including Vanguard Marketing Corporation and The Vanguard Group, Inc. His tenure at Vanguard Advisers spans 10 years. Vanguard Advisers delivers 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, offering a range of customization options and tax-aware features.

Will Hornbeck is a financial advisor with Vanguard Advisers, holding a Series 66 designation and based in Charlotte, NC. He has been with Vanguard Advisers and affiliated Vanguard entities since 2026. Previously, he worked at Bogart Wealth and has experience outside finance, including a role at Coastal Cravings Steak and Seafood. 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 models and offers portfolios primarily composed of Vanguard funds and ETFs.