Essence Murphy Miller is a financial advisor with Wells Fargo Clearing in Raleigh, NC, holding Series 63 and Series 65 credentials and three years of industry experience. Prior to joining Wells Fargo Clearing in 2023, she worked at Wells Fargo Bank, N.A. since 2018 and has experience at Humana and Conduent. Additionally, she is a commissioned notary public. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm offers brokerage and advisory solutions supported by research and analytics and manages approximately $671 billion in assets with a network of over 14,000 financial advisors.

Victoria Johnston is a CFP® professional with seven years of industry experience. She has been with Edward Jones since 2018 and previously worked at State Farm and Western Sizzlin. Johnston is based in Raleigh, NC, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Emelyn Sebastian is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and three years of industry experience. She has been associated with Wells Fargo Bank, N.A. since 2013. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Natalie Ostendorff is a financial advisor at Merrill with a Series 66 credential and two years of industry experience. Her prior roles include positions at Emerald Holdings LLC and Mofu Shoppe. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dario Martinez is a Benefits & Planning Consultant in the Executive Services division at Fidelity Investments. In this role, he collaborates with clients to develop financial plans aimed at helping them achieve their financial goals. He has held several positions at Fidelity Investments since 2021, including Investment Solutions Representative II, Fixed Income Specialist, and Investment Solutions Representative. Prior to joining Fidelity, Dario worked as a Relationship Banker at Bank of America from 2020 to 2021 and as a Junior Associate at Sterling Financial Group from 2017 to 2020.

Eric Carter is an Investment Solutions Representative III at Fidelity Investments, a role he has held since 2023. Prior to this, he worked as a Customer Relationship Advocate at Fidelity Investments from 2022 to 2023. In his current position, Eric focuses on providing tailored investment guidance by understanding each client's individual goals and offering clear perspectives on the risks and opportunities associated with investing. He aims to build long-term relationships with clients through trust, consistency, and open communication as their financial needs evolve. Eric's professional approach centers on a client-first philosophy, emphasizing intentional listening and informed decision-making. His experience at Fidelity Investments spans roles that concentrate on customer relationship management and investment solutions, allowing him to support clients effectively in navigating their financial journeys.

Michelle Pham is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and nine years of industry experience. She has been with Ameriprise since 2016, currently based in Raleigh, NC. Outside of her role at Ameriprise, she is also employed managing an advisory business as a sole proprietorship in Charlotte, NC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides retirement planning with a focus on reliable income sources and tax-aware withdrawal strategies. The firm’s retirement income offering combines proprietary research and third-party data to support tailored, non-discretionary recommendations.

Nathaniel Coats is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has been with Cetera and its affiliated entities since 2015. In addition to his advisory role, Coats is active as an insurance agent specializing in fixed insurance products, including life and annuities. Cetera Investment Advisers LLC serves a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and multiple program structures.

Joseph Robbins is a CFP® professional with nine years of industry experience, currently serving at OSAIC since 2023. He previously worked at FSC Securities Corporation and Wells Fargo Clearing. Robbins is involved in his community as a finance committee member for North Raleigh Presbyterian Church. OSAIC Wealth serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach utilizing asset allocation and portfolio optimization tools and supports various managed account programs and third-party manager selections.

Katherine Voitle is a financial advisor with Morgan Stanley in Raleigh, NC, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2026, she worked at US Capital Wealth Advisors and has a diverse background including roles in education and retail. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools and methodologies.

Annie Ross is a financial advisor with Fidelity in Durham, NC, holding Series 63 and Series 66 licenses with three years of industry experience. She previously worked at Ross Tax & Financial Services and Elissa Olszewski CPA PA. Outside of finance, she serves as a part-time minister and is involved in writing and publishing spiritual books and media content. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Donna Winbon is a financial advisor with Edward Jones in Raleigh, NC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Edward Jones since 1997. Winbon serves as a board member of the WCU Catamount Club, assisting with fundraising efforts for Western Carolina University athletics. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment options. The firm manages approximately $1.01 trillion in assets and is notable for its extensive retail advisor network and affiliated services, including trust and securities-based lending.

Michael Cronlund is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2007, initially holding several roles with Bank of America before transitioning to a Financial Solutions Advisor with Merrill Edge in 2015 and joining Merrill Lynch Wealth Management in 2020. Michael collaborates closely with clients to develop personalized and flexible wealth management strategies that align with their evolving financial goals, using the investment expertise of Merrill and banking services from Bank of America. His areas of focus include college education planning, retirement income, special needs planning strategies, socially responsible and ESG investing, and support for endowments, foundations, and non-profits, among others. Michael holds a Bachelor's Degree from James Madison University and professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In addition to his professional work, Michael participates as a Bank of America community volunteer. His personal interests include golfing, hiking, and spending time with his family.

Camden Miller is an Investment Solutions Representative III at Fidelity Investments. He began his career at Fidelity in 2023 as a Customer Relationship Advocate and progressed through roles as Investment Solutions Representative I and II before attaining his current position in 2026. Camden's approach to financial advising emphasizes understanding a client's goals, values, and circumstances before discussing strategies or numbers. He aims to communicate clearly and directly to ensure clients grasp the reasoning behind financial plans. He seeks to be a consistent and accessible resource as clients' priorities evolve over time. Outside of his professional responsibilities, Camden has personal interests that include food, football, pets, running, and traveling.

Joel Ubri Cardona is a financial advisor with Fidelity in Durham, NC, holding Series 63 and Series 66 licenses and two years of industry experience. His prior work includes roles at Answer Financial and other companies in various capacities. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Sarah Horner is a financial advisor at Fidelity with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of her advisory role, she serves as a notary in Durham, North Carolina. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to a broad client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios.

Bayli Fox is a Series 66-licensed financial advisor with Morgan Stanley in Raleigh, NC, bringing 10 years of industry experience. Since 2016, Bayli has worked with Morgan Stanley Private Bank, National Association, and Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques such as Monte Carlo simulations in its financial planning process.

Justin Johnson is a financial advisor with Morgan Stanley in Raleigh, NC, holding a Series 66 designation and six years of industry experience. His work history includes roles at Morgan Stanley Smith Barney, Bank of America, Merrill, and prior positions outside of finance at Valet Living, Campbell University, Dicks Sporting Goods, and Johnston Community College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and incorporates structured planning tools and modeling techniques in its service offerings.

Benjamin Glover is a financial advisor at Osaic with 19 years of industry experience. He holds a Series 66 designation and has previously worked at FSC Securities Corporation and Ameriprise. He is the owner and operator of Carolina Wealth Stewardship Group, a comprehensive financial planning firm based in Raleigh, NC. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and the use of various managed account strategies.

Jim Netzband, Jr. is a financial advisor at Fidelity with 17 years of industry experience. He holds the ChFC® designation and Series 66 and 63 licenses. His prior experience includes roles at Liberty Mutual Insurance, Valic Financial Advisors, Strategic Wealth Assurance, and Wells Fargo Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves multiple registered investment companies and delivers model portfolios through Fidelity Institutional Wealth Adviser.