Ryan Wisner is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds a Series 66 designation and has three years of industry experience, all with The Vanguard Group, Inc. prior to which he held various roles including at Utah Valley University and Mountain America Credit Union. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and primarily Vanguard funds and ETFs, offering a range of customization options within its large-scale digital platform.

Iris Smith is a CFP®-credentialed financial advisor with Vanguard Advisers, bringing nine years of industry experience. She has worked with Vanguard Advisers since 2021 and has been self-employed in children's entertainment since 2018. Outside of finance, she has performed as a street entertainer at the Carolina Renaissance Festival for over a decade. 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 to construct personalized portfolios mainly from Vanguard funds and ETFs, combining digital delivery with a team servicing model.

Kristin Godoy is a CFP® with nine years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC since 2020. She has held roles within The Vanguard Group and its affiliates since 2017. Outside of finance, she has been involved in the restaurant industry through Akahana Asian Bistro. Vanguard Advisers offers both 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 models to construct personalized portfolios primarily composed of Vanguard funds and ETFs.

Barrett Brooks is a CFP® and Series 63 credentialed financial advisor with 19 years of industry experience. He currently works at Fidelity Investments and has previously been employed by The Vanguard Group Inc. and Linden Thomas & Company Securities, LLC. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional investors. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various investment vehicles.

Angela Childers is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She previously worked at Merrill from 2001 to 2020 before joining Wells Fargo Clearing in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with an expanded investment menu that includes insurance-related vehicles and bank deposit sweep options.

Kelli Scott is a financial advisor at Vanguard Advisers with 10 years of industry experience. She holds a Series 66 designation and has worked at Vanguard and its affiliates since 2018, with prior experience at Merrill and Bank of America. Outside of her advisory role, she owns a personal finance coaching business offering seminars and individual sessions. 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 constructed primarily from Vanguard funds and ETFs, emphasizing personalized asset allocation and tax-aware features.

Tj Binkowski is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has previously worked at Narrow Road Asset Management and Edward Jones, among other firms. His background includes six years of service in the U.S. Army. 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 uses a goal-based, algorithm-driven investment approach with portfolios constructed mostly from Vanguard funds and ETFs, offering various customization options and a large scale of client relationships supported by a team servicing model.

Bryan Stanfill is a financial advisor at OSAIC with 39 years of industry experience. He holds the ChFC® designation along with Series 63, 65, and 66 licenses. Prior to joining OSAIC in 2024, he worked at Triad Advisors, Inc. for 22 years. Stanfill is also president of Financial Strategies of Lake Norman Inc., a family-owned financial services firm focused on retirement and estate planning, asset protection, and tax planning. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a wide range of advisory services and employs various portfolio construction tools and third-party platforms to support client investment needs.

Dennis Del Valle is a financial advisor at Vanguard Advisers with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has been employed at The Vanguard Group, Inc. since 2008. Outside of his advisory role, he serves as a baseball umpire for the Wesley Chapel Athletic Association. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its investment approach combines goal-based, algorithm-driven strategies using proprietary models, with portfolios mainly composed of Vanguard funds and ETFs.

Bryant Jackson is a financial advisor with Vanguard Advisers, holding a Series 66 designation and currently based in Charlotte, NC. He has one year of industry experience, having worked at several Vanguard entities since 2026 and previously with firms including Intertek Testing Services NA, Inc. and Ladenburg Thalmann & Co. Inc. Prior to his advisory career, he was employed at the University of North Carolina at Charlotte and engaged in entrepreneurial activities with Verde Salad Co. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models, with portfolios constructed largely from Vanguard funds and ETFs and offering various customization options.

Kavondra Jeter is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds Series 63 and Series 66 designations and has prior experience at Wells Fargo Clearing Services and TIAA-CREF Individual & Institutional Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services.

Raja Abou Reslan is a CFP® and CFA® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2015. He holds a Series 66 license and is based in Concord, NC. 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 23,000 financial advisors. The firm manages approximately $1.01 trillion in assets and provides both discretionary and non-discretionary strategies under a fiduciary standard.

Michael Waldow is a CFP®-designated financial advisor with 30 years of industry experience. He is currently with Vanguard Advisers and affiliated entities, having joined the firm in 2025. His prior experience includes roles at InvestLinc Wealth Services, Measured Risk Portfolios, and Freedom Family Office, LLC. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers a variety of customizable portfolios constructed mainly from Vanguard funds and ETFs.

Jacob Carr is a CFP® with eight years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His prior roles include positions at LPL Financial and Founders Federal Credit Union. Outside the financial industry, he is involved in retail sales coordination for Mission Essentials. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers a range of customizable portfolios constructed mainly from Vanguard funds and ETFs.

Jennifer Suminguit is a Series 66 licensed financial advisor with Morgan Stanley in Cornelius, NC, bringing 19 years of industry experience. She has been with Morgan Stanley since 2009 and holds a position with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she serves as a board member for Creative Art Exchange. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning that utilizes structured discovery and firm-approved tools, serving approximately $2.74 trillion in client assets.

Johnathan Patterson is a financial advisor with Vanguard Advisers holding a Series 66 designation and five years of industry experience. He has worked at Merrill Lynch, Bank of America, Wells Fargo, and currently at Vanguard since 2020. Outside of his advisory roles, he owns and manages RJ Patterson Properties LLC. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to design personalized portfolios mainly composed of Vanguard funds and ETFs.

Kyle Smithers is a financial advisor at Morgan Stanley in Cornelius, NC, holding a Series 66 designation with six years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Prior to his advisory career, he was a student at UNC Charlotte and worked at Tenders Fresh Food during the same period. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured planning tools and the Global Investment Committee’s market analyses.

Geraldo Senouillet is a financial advisor with Vanguard Advisers, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Randstad, ProCam Pilots, and DeSales University. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and offers portfolios constructed mainly from Vanguard funds and ETFs.

David Cochran is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and nine years of industry experience. He has been with The Vanguard Group since 2017 and has operated self-employed businesses since 2009, including a ticket sales venture unrelated to investment management. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs.

Brandon Whelan is a CFP®-designated financial advisor with 12 years of industry experience, currently with Wells Fargo Clearing Services, LLC since 2022. He previously worked at Morgan Stanley Private Bank and Morgan Stanley from 2018 to 2022, and at LPL Financial from 2016 to 2018. 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 Wells Fargo Investment Institute with third-party analytics to support its investment solutions.