Michael Patterson is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has nearly 20 years of experience in the financial services industry, with a background in both brokerage and banking sectors. Michael focuses on research and portfolio construction and analysis. He holds a Personal Investment Advisor (PIA) professional designation and earned his High School Diploma from Broughton High School.

Nolan Havran is an Investment Solutions Representative III at Fidelity, a position he has held since 2022. Prior to this role, he worked as a Customer Relationship Advocate at Fidelity in the same year. Nolan focuses on partnering with clients to understand their short and long-term financial goals and aims to develop customized financial plans to meet their unique needs. He emphasizes forming strong relationships with clients and their families, prioritizing trust, reliability, and competency in his work.

Earl Snyder is a Benefits & Planning Consultant within Executive Services at Fidelity Investments. He has held various roles at Fidelity, beginning as a Workplace Planning Consultant I in 2022 and progressing through Workplace Planning Consultant II and III positions before assuming his current role in 2026. Throughout his career, Earl focuses on building genuine relationships to co-create personalized financial strategies that align with his clients' goals and values. He emphasizes consistent support and clear communication in his client interactions. Outside of his professional responsibilities, Earl engages in activities such as football, hiking, traveling, and volunteering.

Lyndsay Larkin is a financial advisor at Fidelity with Series 66 and Series 63 designations and four years of industry experience. She has held positions at Fidelity Investments since 2021 and previously worked at UnityPoint Health, CarePartners, and Whole Foods. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios consisting of mutual funds, ETFs, and ETPs.

Robert Appleton is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. Prior to joining Fidelity, he held positions at Target, Fluent Solar, DoorDash, and several other companies across various industries. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and oversee multiple registered investment companies.

Kevin Lunsford is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Edward Jones in Raleigh, NC since 2012. He holds a Series 66 license and has worked exclusively at Edward Jones during the past 14 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 advisors. The firm operates under a fiduciary standard and provides various managed strategies, separately managed accounts, and affiliated mutual funds.

Eileen Ohannesian is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at Wells Fargo Clearing Services, LLC since 2017 and at Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Brian Tarrant is a financial advisor with Morgan Stanley in Raleigh, NC, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2004, with prior roles at Wells Fargo Clearing, First Citizens Investor Services, Inc., and Ameriprise. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and proprietary planning tools, serving clients through both direct and corporate financial planning agreements.

Frank Evers is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Edward Jones in Raleigh, NC since 2008. He holds a Series 66 license and has spent his entire advisory career at Edward Jones. 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 discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated capabilities including a trust company and proprietary mutual funds.

Ethan Phelps is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. He has held contract positions supporting firms such as NuVotronics and Wells Fargo prior to joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Cynthia Nnochiri is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. She previously worked at Zenith Bank PLC for eight years and has held roles at Cornell University and Recruiter Tea Consulting. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory role to registered investment companies, and incorporation of AI and algorithmic tools in its investment process.

Alexander Greene is a financial advisor at Raymond James Financial with 11 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2014. Greene is also involved with StillGreen Partners, LLC and Stonegate Financial, both support companies related to his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, and institutions, offering tailored, non-discretionary advice supported by risk profiling and analytical tools.

Whitney Merrill is a CFP® professional with 31 years of industry experience, currently serving at OSAIC since 2024. Prior to joining OSAIC, Merrill worked at American Portfolios Financial Services, Inc. for 11 years and Equitable Advisors for three years. Merrill is active in the Apex community as a board member of the Apex Friendship Business Alliance, where she participates in volunteer efforts to support student career development. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a wide range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and options including discretionary management and third-party managers.

Jeffrey Klein is a financial advisor at Charles Schwab with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Integrity Funds Distributor, LLC and Nationwide Investment Services Corporation. He is also president of JSK Dreamachine Inc., a financial services company. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by a multi-asset model portfolio approach.

Arthur Everett is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, joining Fidelity Investments in 2025. Prior to that, he held positions at Veritude and Target. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, as well as registered investment companies. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to build model portfolios using mutual funds, ETFs, and ETPs.

Derek Sox is a CFP® professional with 30 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and briefly at Merrill in 2002. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates at scale with over 14,000 financial advisors and approximately $671 billion in assets under management, providing a range of brokerage and advisory solutions.

Robert Mccarthy Jr. is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has been with RBC Capital Markets since 2008. Outside of his advisory role, he serves on the finance committee of the nonprofit Emily K Center. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Chandrani Ghosh is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. She previously worked at Fifth Third Bank and has been with Charles Schwab since 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by the Schwab Center for Financial Research.

Jeremy Rascoe is a financial advisor with Fidelity in Durham, NC, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Fidelity, he worked at Duke University Health and has experience working as an employee at Angus Barn, a steak restaurant. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, and it is noted for its use of systematic methodologies and formal advisory roles to multiple registered investment companies.

John Gammons is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2004 and brings over 18 years of experience working with individuals and families to create personalized wealth management strategies. John focuses on client needs in liquidity management, personal retirement planning, portfolio management services, and retirement income, helping clients plan effectively for financial obligations across different stages of life. John holds a Bachelor of Science in Business Administration and a Master of Business Administration from East Carolina University. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). John’s approach centers on collaborating with clients to define what matters most to them, addressing key life priorities such as family, finances, health, home, leisure, work, and giving, and helping navigate the financial complexities that arise through life’s changes. Outside of his professional role, John enjoys spending time with his wife and two children. His personal interests include traveling, golfing, tennis, camping, scuba diving, skiing, and other outdoor activities.