Joseph Siarzynski is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has been with TIAA and its affiliate firms since 2003. 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 TIAA-administered employer retirement plans. The firm uses a fiduciary standard for its registered investment advisory services and provides access to both model and customized portfolio management.

Katherine Doherty is a financial advisor at Truist Advisory Services with seven years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo for ten years before joining Suntrust Advisory Services in 2019. Truist Advisory Services offers investment consulting, financial planning, portfolio management, and retirement plan services to a diverse client base that includes individuals, corporations, plan sponsors, and charitable organizations. The firm uses a combination of traditional research and AI-enabled tools to support asset allocation and manager selection on the Envestnet platform.

Jennifer Krizka is a financial advisor at Mariner with a Series 65 designation and one year of industry experience. Prior to joining Mariner, she worked at ESPO Engineering Corporation and held a volunteer assistant coaching position for the Oakland University softball team, where she coaches catchers. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and tax services. The firm employs discretionary, customized portfolios supported by an internal investment team and third-party managers, with capabilities spanning multiple asset classes and integrated tax and accounting services.

Elliot Otelsberg is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with TIAA-CREF and its predecessors since 2010. Outside of his advisory role, he manages several rental properties. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as various institutional clients. The firm separates one-time planning services from ongoing portfolio management and serves as adviser to a donor-advised fund within a vertically integrated structure.

Robert Stevens is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has been with TIAA-CREF since 2007. Outside of his advisory role, he owns a rental property that is managed by a property management company. 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 with existing ties to TIAA-administered employer retirement plans. The firm provides a range of advisory services, including model portfolio management and customized portfolios under a fiduciary standard.

Gary Sugg is a CFP® professional with five years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His work history includes roles at LPL Financial LLC, Cetera Advisor Networks, and Carroll Financial Associates, among others. Outside of advisory services, he has provided administrative support to Wealth Enhancement Advisory Services since 2021. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified, risk-class based investment approach that combines passive and active management with quantitative, momentum, and fundamental analysis.

Robert Meek is a financial advisor at TIAA-CREF with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with TIAA-CREF since 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, using model portfolios or customized portfolios managed under client-approved investment policies.

Diane Goldman is a Series 65-licensed financial advisor at TLG Advisors, Inc. with experience dating back to 2006, including roles at New Agency Partners and Creative Financial Services. She also works as an independent insurance agent focusing on retirement income planning and annuities. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary assets and serves a diverse client base including individuals, retirement plans, trusts, and institutional investors. The firm combines fundamental research and Modern Portfolio Theory in its investment approach and offers both traditional advisory services and a direct-to-consumer platform called Starlight Portfolios.

Matthew Motelson is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at TIAA-CREF since 2023. Prior to that, he held roles at HSBC Bank USA, N.A. and HSBC Securities (USA), Inc. from 2014 to 2023. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and managed account programs to individuals and various entities, often serving clients with existing relationships through TIAA-administered retirement plans. The firm provides both point-in-time planning and ongoing discretionary portfolio management, with a fiduciary standard applied to its registered investment advisory services.

Marc Zeller is a CFP® professional with 27 years of industry experience, currently serving at Fifth Third Securities, Inc. since 2009. He holds Series 63 and Series 66 licenses and is based in Charlotte, NC. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base, including individuals, charitable organizations, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a subsidiary of Fifth Third Bank with a distinctive combination of municipal-advisor registration and corporate affiliation.

Bradley Stojetz is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and five years of industry experience. Prior to joining TIAA-CREF, he worked at the University of South Carolina and was involved with the YMCA. 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, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management under a fiduciary standard.

Reginald James is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 26 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 primarily to individuals connected through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between point-in-time planning services and ongoing discretionary management, utilizing both model and customized portfolios under a fiduciary standard.

James Hedstrom is a CFP® professional with 26 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. He has held prior roles at LPL Financial, Cetera Advisor Networks, and Carroll Financial Associates. Hedstrom provides investment advisory services through Wealth Enhancement Advisory Services. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans, offering financial planning, asset management, and retirement-plan consulting. The firm manages over $122 billion in assets and employs a diversified investment approach that combines passive and active management with quantitative, momentum, and fundamental analysis.

John Hinds is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2012. Outside of his advisory role, he serves as a board member of J.J Designs Inc., a company marketing a cup holder product called "The Fence Buddy" targeted at youth baseball and softball teams. 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 with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, utilizing both model and customized portfolios.

John Morrill Jr. is a financial advisor with VOYA Financial Advisors, Inc. He holds a Series 63 designation and has 34 years of industry experience. Prior to joining VOYA in 2014, he worked with Great American Life Insurance Co and TDA Associates, Inc., where he continues to serve as president and owner. Morrill also operates as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial, offering financial planning, portfolio management, unified managed account and wrap programs, and retirement-plan advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to implement client investment strategies, primarily through non-discretionary accounts.

Troy Seiler is a financial advisor at Wells Fargo Investment Institute, Inc. with 12 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked previously at AlphaStar Capital Management, Wells Fargo Bank, and UBS Financial Services. He is based in Charlotte, NC. Wells Fargo Investment Institute provides manager research, global investment strategy, securities research, asset allocation analysis, and model-portfolio services to Wells Fargo affiliates and unaffiliated financial institutions. The firm acts as a research and model provider, offering non-discretionary, non-customized investment models rather than individualized financial planning or direct portfolio management.

Nicholas Cappadora is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with TIAA-CREF since 2007. Outside of his advisory role, he coaches youth soccer for the Charlotte Independence Soccer Club and works as a service advisor for a mobile mechanic service. TIAA-CREF’s Advice & Planning Services division 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 offers both point-in-time planning and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Cindy Mc Ginniss is a financial advisor at First Citizens Investor Services, Inc. with eight years of industry experience. She holds the Series 63 and Series 65 credentials and previously worked at LPL Financial, LLC for six years before joining her current firm. First Citizens Investor Services, Inc. serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm offers a range of advisory and brokerage services, utilizing a client-centered process that incorporates fundamental, quantitative, and technical analysis to manage portfolios across various asset classes.

Thomas Soriano is a financial advisor with Bankers Life Advisory Services, Inc. based in Charlotte, NC, holding Series 63 and Series 65 licenses and with 18 years of industry experience. He has worked with Bankers Life and its affiliated entities since 2004. Outside of his advisory role, Soriano serves as a board member of the Steele Creek Athletic Association, a volunteer-run youth athletic nonprofit. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals through discretionary portfolio management, investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations aligned with clients’ goals and risk tolerances.

Michael Krawczyk is a financial advisor at TIAA-CREF in Charlotte, NC, with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with TIAA-CREF since 2017. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing retirement plan relationships through TIAA. The firm offers both point-in-time financial planning and ongoing portfolio management utilizing model and customized portfolios within a vertically integrated structure.