Joseph Zarsky is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at Wells Fargo, Chase Bank, and the Census Bureau. Vanguard Advisers offers automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies and primarily invests in Vanguard funds and ETFs, providing a range of customization options and serving a large client base through a combination of digital platforms and advisor support.

Benjamin Johnson is a CFP® professional with 15 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He previously worked at Edward Jones for 14 years. Outside of his advisory role, he is involved in agricultural activities through a family limited partnership in Mooresville, NC. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual investors, high-net-worth clients, pension plans, and government entities. The firm offers a range of tailored advisory services, including a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and maintains connections to municipal and public finance activities.

Kelly Howe is a Series 66-credentialed financial advisor with five years of industry experience, currently with Vanguard Advisers. Prior to joining Vanguard, she held roles at the Financial Behavior Keynote Group and as Chief Financial Mom. Her experience also includes multiple positions at the University of Georgia and Market Force Information. 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 with proprietary methodologies to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through digital and team-supported platforms.

Brian Patrick is a financial advisor at Vanguard Advisers with 10 years of industry experience. He previously worked at Fidelity Investments and Charles Schwab before joining Vanguard in 2025. He holds the Series 63 and Series 66 designations. 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, offering portfolios primarily composed of Vanguard funds and ETFs with options for tax-aware strategies and customization.

Ryan Bloom is a financial advisor with Raymond James Financial Services Advisors, Inc. based in Mooresville, NC. He holds the CFP® designation along with Series 63, 65, and 66 licenses and has 18 years of industry experience. Prior to joining Raymond James, he worked at Edward Jones for 15 years. Outside of advising, he serves as a board member and head of the finance committee for The Christian Mission, a nonprofit organization. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, supporting clients with tailored strategies and access to a broad affiliate network.

Christopher Diskin is a financial advisor at Edward Jones with 27 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Edelman Financial Engines, LPL Financial LLC, TIAA, and Wells Fargo Clearing. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory strategies, including discretionary and non-discretionary wrap fee programs and separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Justin Tamayo is a financial advisor at Vanguard Advisers in Charlotte, NC, holding a Series 66 designation with two years of industry experience. Prior to joining Vanguard, he worked at SolarWinds and Dexian Disys, among other roles. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach that incorporates Vanguard funds and ETFs with various tax-aware features.

Casey Sanchez is a financial advisor at Vanguard Advisers with two years of industry experience and holds a Series 66 designation. Prior to joining Vanguard Advisers in 2026, Sanchez worked at Coinbase Inc. and Bank of America Corporation. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs.

John Walker is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His background includes roles at Amazon and multiple self-employed positions. Outside of advising, he has engaged in freelance copywriting, voiceover work, food delivery, and pet sitting. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and eligible employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven approach with portfolios built largely from Vanguard funds and ETFs, combining scale with digital delivery through a team servicing model.

Walter Bay is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with The Vanguard Group since 2013. 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’s investment approach is goal-based and algorithm-driven, utilizing proprietary models and mainly Vanguard funds and ETFs to create personalized portfolios.

Jaron Jefferis is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has been with The Vanguard Group, Inc. since 2013. 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 personalized asset allocations, primarily using Vanguard funds and ETFs, and serves a large client base through a combination of digital platforms and advisory teams.

Robert Clark is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Raymond James & Associates in Huntersville, NC. He has worked at Raymond James since 2013 and has prior experience with Rcb Sports and the Arena Football League. Clark serves on the finance committee of Denver United Methodist Church, where he oversees financial accounts in an auditing capacity. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporations, charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with a focus on both retail and institutional advisory services.

Jason Ma is a CFP® credentialed financial advisor with 10 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously worked at JPMorgan Securities LLC, Bank of America, Merrill, and Wells Fargo Advisors. He is also associated with Williamson Wealth Group as a wealth advisor managing client assets. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans supported by firm research and a broad affiliate network.

Jamai Grant is a financial advisor with Vanguard Advisers, holding a Series 66 designation and four years of industry experience. He has worked at Vanguard in various capacities since 2022, including roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. Prior to joining Vanguard, he held positions at UBS Financial Services, Inc., along with diverse experience in other industries. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various customization options.

Keisha Mc Gowens is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2025. She previously worked at TIAA-CREF from 2017 to 2025 and held roles within Vanguard Marketing Corporation and its affiliates from 2006 to 2017. 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 to portfolio construction, primarily utilizing Vanguard funds and ETFs, with options for tax-aware strategies and customization.

William Graupensperger is a CFP® with over 20 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2005. He holds a Series 63 license and is based in Charlotte, NC. 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, using proprietary methodologies to set personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Lauren Nisbett is a financial advisor with Vanguard Advisers based in Charlotte, NC, holding Series 63 and Series 66 designations and 10 years of industry experience. She has been with Vanguard-affiliated firms since 2015, including Vanguard Marketing Corporation and The Vanguard Group, Inc. Vanguard Advisers provides automated and human-supported investment advice for retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm manages a large client base through a combination of digital platforms and a team service model.

Alex Strittmatter is a CFP® and holds a Series 66 designation with four years of industry experience. He currently works with Vanguard Advisers and its parent company, The Vanguard Group Inc., where he has been employed since 2022. Prior to joining Vanguard, he worked in the hardware and construction sectors. 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 investment approach with portfolios mainly constructed from Vanguard funds and ETFs, combining scale and digital delivery to serve a large client base.

Dailen Rogers is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and having one year of industry experience. Prior to joining Vanguard, Rogers has held various roles including positions at Amazon, Randstad, and Charter Communications. Outside of financial advising, Rogers works as a contracted driver for Lyft and a delivery provider for Amazon Flex, and also coaches basketball at Kyrene Centennial Middle School. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans by providing automated and human-supported investment advice through digital and personal advisor services. The firm employs a goal-based, algorithm-driven approach to portfolio management, utilizing proprietary methodologies and predominantly Vanguard funds and ETFs.

Ryan Mulligan is a financial advisor with Mass Mutual Investors Services who holds a Series 66 designation and has 11 years of industry experience. His prior roles include positions at LPL Financial LLC, Independent Financial Partners, and Barings LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved software tools to deliver personalized recommendations.