Andrew McPhail is a CFP® and CFA® with nine years of experience in financial services. He has worked at Wells Fargo Bank since 2016 and Wells Fargo Clearing Services since 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Charles Utz is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch, where he leads the Lake Norman office. He has been with Merrill Lynch Wealth Management since 2000, bringing over 20 years of experience in financial services and wealth management. Prior to joining Merrill Lynch, he spent two years with The Hartford. Charles manages a team of six professionals dedicated to providing tailored financial advice and service to high-net-worth individuals and business owners. Charles holds a Bachelor's Degree in Finance from the University of North Carolina at Charlotte. He has earned the Certified Financial Planner (CFP) certification and holds the Personal Investment Advisor (PIA) designation. His approach involves thoroughly understanding his clients' financial priorities and crafting customized portfolio strategies based on their investment goals, time horizon, cost considerations, liquidity needs, and risk tolerance. He follows a disciplined wealth management process built on time-tested investment principles while maintaining flexibility to adapt to changing economic conditions. Residing in the Lake Norman area with his wife and three children, Charles leads an active lifestyle. He and his family enjoy triathlons, golf, running, tennis, and various activities on the lake.

Kevin Key is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 20 years of experience assisting individuals and businesses in wealth management and financial planning. He focuses on understanding clients' personal perspectives and priorities to develop tailored strategies that align with their short-, mid-, and long-term financial goals. His expertise spans a variety of areas including family wealth management strategies, investment consulting for defined contribution plans, legacy planning, retirement income, tax minimization, and portfolio management services. Kevin holds a Bachelor's Degree from the University of North Carolina at Charlotte and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He serves as a resource covering a broad range of financial topics from general investing to retirement planning and provides access to Bank of America specialists for banking, credit, home financing, and small business solutions. Outside of his professional duties, Kevin is engaged with several community organizations including the Alzheimer's Association, Autism Speaks, Inc., and the Humane Society of Charlotte, Inc. He enjoys music, reading, spending time with his family, and traveling.

Aaron Shaw is a financial advisor with Vanguard Advisers in Charlotte, NC. He holds Series 63 and Series 66 licenses and has one year of industry experience. His prior work includes positions at Envoy Securities, ION Group LLC, and Baker Tilly US LLP. Vanguard Advisers provides 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 that incorporates Vanguard funds and ETFs, offering a range of customization options and managing a large client base through a combination of digital platforms and advisor teams.

Charles Buysse is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 66 and Series 63 licenses and having 10 years of industry experience. He has worked at Wells Fargo Clearing Services since 2017 and was previously with Wells Fargo Bank NA from 2001 to 2017. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics along with diversification principles and modern portfolio theory.

Evan De Castro is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and has worked at multiple Vanguard entities since 2022. Prior to Vanguard, his background includes roles at Randstad, Variant Private Wealth, and BoodleAi. 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 portfolios primarily composed of Vanguard funds and ETFs, offering a combination of digital delivery and advisor support across a broad client base.

Luke Savage is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at UBS Financial Services, Hausmann Insurance and Financial Services, and Aflac. Outside of his advisory work, he serves on a committee for the United Way of Greater Charlotte, participating in the grantmaking process. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexander Bishop is a financial advisor with Ameriprise in Davidson, NC, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeting clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations. The firm serves individuals approaching or in retirement and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Reid Whitehurst is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wachovia Bank, N.A. from 2007. 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 manages approximately $671 billion in assets and combines research from its investment institute with third-party analytics to inform its diversified investment strategies.

Cameron Payne is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. Based in Charlotte, NC, he previously worked at Vanguard Advisers and Vanguard Marketing Corporation, as well as DHG LLP and its corporate finance division. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using analytical and modeling tools, and supports municipal and public finance work through unique advisory affiliations.

Stephanie Kahl is a financial advisor at Merrill with Series 63 and Series 66 licenses and 25 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Kahl serves as a board member of the Wingate University Alumni Advisory Board, where she advises on alumni engagement and participates in guest speaking and event activities. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Jason Wilson is a financial professional with 32 years of industry experience, currently affiliated with Cetera since 2023. He holds Series 63 and Series 65 designations and has worked previously at Ameriprise Financial Services, Morgan Stanley, and Citigroup Global Markets. Outside of his role at Cetera, he owns JT Wilson Capital Management, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Anne Wilson is a financial advisor with Merrill in Charlotte, NC. She holds a Series 66 designation and has been with Merrill since 2026. Her prior experience includes roles in various industries such as landscaping, realty, and parks and recreation. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Joseph Reimels is a financial advisor at LPL Financial with 46 years of industry experience. He previously worked at Lincoln Financial Advisors Corp for 16 years and Hornor, Townsend & Kent, LLC for six years. He holds a Series 63 designation. Outside of his advisory role, he is involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, utilizing a large network of advisors and advanced operational tools.

Jonathon Wagoner is a Financial Advisor at Merrill Lynch Wealth Management. He partners with individuals and families to build clear and disciplined wealth strategies. His focus is on helping clients organize their financial lives, invest with intention, and stay on track through changing markets and life events. Jonathon's approach involves understanding clients' priorities and translating them into concrete plans. He manages investments and risk exposure to support clients' goals over time, covering areas such as portfolio construction, retirement planning, tax-aware strategies, and guidance around major financial decisions. He utilizes Merrill Lynch's research, planning tools, and investment platform to deliver resources within a personal, relationship-driven experience. Clients engage with him for proactive communication, clear explanations, and accountability to their plans. He holds the Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. Jonathon earned a Bachelor's Degree from Arizona State University and a Master's Degree from Thunderbird School of Global Management.

Matthew Armendaris is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at West Financial Services, Inc., Ameritas Investment Corp, Incisive Financial Group, and Business Benefits Group. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and operates as a fiduciary under ERISA and DOL guidelines.

Julie Stout is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and has previously worked at FTB Advisors and Park Sterling Bank. Stout also serves as a senior vice president at First Horizon Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Violeta Emmanuel is a financial advisor at Ameriprise with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 16 years and The Vanguard Group for seven years. She is also the owner of Innerarity Enterprise, an LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Scott Robinson is a financial advisor with Ameriprise in Huntersville, NC, holding CFP® and Series 66 credentials and bringing 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Robinson is also co-owner of RGAA, LLC, which supports his practice operations. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research and modeling to provide tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Derrick Gullett is a financial advisor at Vanguard Advisers with 19 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard in various capacities since 2006, including his current role at Vanguard Advisers since 2020. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a large advisor team and a digital delivery platform.