Kevin Harvel is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. His prior experience includes roles at Securities America Advisors and OSAIC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Barry Ozer is a financial advisor with OSAIC in Charlotte, NC, holding a Series 66 designation and 16 years of industry experience. He previously worked at FSC Securities Corp for eight years before joining OSAIC in 2023. Outside of advising, Ozer serves as a board member for the 3T Foundation, a nonprofit focused on educational enrichment and mentorship for youth in Charlotte, and is a managing partner at Magnolia Capital Partners, providing financial planning and investment services. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms, offering integrated brokerage, investment advisory, and financial planning services. The firm employs asset-allocation tools and multiple third-party solutions to construct diversified portfolios and supports legacy platform transitions and advisor recruitment programs.

Chad Miller is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked with TD Private Client Wealth LLC, TD Bank N.A., and FINRA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Monica Vadhera is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that align with each client’s unique goals, leveraging the investment insights of Merrill and the banking solutions of Bank of America. Her expertise encompasses a broad range of client focus areas, including college education planning, family wealth management, retirement planning, legacy planning, and tax minimization, among others. Monica holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Hansraj India and completed an Accredited Certificate Program from the AICPA. Fluent in English, Hindi, and Punjabi, she is committed to providing comprehensive wealth management services grounded in a deep understanding of her clients’ needs. In addition to her professional work, Monica actively participates in community service, reflecting the Merrill tradition of community involvement. Her personal interests include badminton, biking, music, reading, sewing, singing, table tennis, and yoga.

Holly Giacobone is a financial advisor at UBS Financial Services with 31 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 1994. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based allocations to tailor client solutions.

Harry Greyard is a CFP® with 32 years of industry experience, currently associated with LPL Financial since 2021. His prior career includes roles at Waddell & Reed, Inc., and involvement with the Financial Planning Association of Charlotte, where he also served as a teacher. He has additional experience founding and managing several business entities related to financial planning and investment. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, retirement consulting, and brokerage services, utilizing model portfolios and research supported by both in-house and third-party sources.

Zachary Walker is a financial advisor at LPL Enterprise with Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at Wells Fargo Clearing Services LLC and UNC Charlotte. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment and insurance products through an integrated platform.

Daniel Cruse is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63, Series 65, and Series 66 licenses. He has 27 years of industry experience, including 17 years with LPL Financial since 2009. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Colin Noone is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Prior to joining UBS in 2021, he held roles at several companies including Autobell, SoccerRealz, DoorDash, FedEx, and Footlocker. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and research resources.

Diego Morales is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo since 2009, including prior tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s advisory process includes investment policy statement development, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Tess Morris is a financial advisor with Ameriprise in Charlotte, NC, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise and its related entities since 2011. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement, typically serving clients with at least $1 million in net investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports delivered in partnership with financial advisors.

Ann Troiano is a financial advisor at Morgan Stanley in Charlotte, NC, holding Series 63 and Series 66 credentials with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Outside of her financial advisory role, she is involved in a pet-sitting business operated from her home, which she runs in partnership with her adult children. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services including estate planning and investment strategies supported by advanced modeling tools.

Bradley Richardson is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Stifel Nicolaus & Co Inc in Charlotte, NC. He has been with Stifel since 2014. Outside of his advisory role, he serves as Chairman of the Charlotte Regional Transportation Planning Organization. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Zachary Hayes is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity since 2016, initially serving as a Financial Consultant before his current appointment. Prior to joining Fidelity, Zachary worked as an Investment Consultant at TD Ameritrade from 2013 to 2016 and as a Financial Advisor at E Trade Capital Management from 2006 to 2013. Zachary specializes in educating and preparing clients for significant financial decisions by leveraging his education, experience, and the resources available through Fidelity. He possesses a comprehensive understanding of financial markets and investment products, enabling him to simplify complex financial concepts for his clients. His expertise spans various investment strategies, which he applies to assist clients with diverse financial situations. Outside of his professional work, Zachary engages in family activities and enjoys fishing, fitness, hiking, movies, and parenthood.

John Moravek is a CFP®-credentialed financial advisor with 18 years of industry experience. He is currently with LPL Financial and has held prior roles at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he serves as a 5th grade basketball coach at St. Matthew Catholic School in Charlotte, NC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and various portfolio management strategies.

Rachel Davis is a financial advisor with Mass Mutual Investors Services in Charlotte, NC. She holds the CFP® and ChFC® designations and has eight years of industry experience. Her prior experience includes roles at New York Life Insurance Co. and NYLIFE Securities LLC. Outside of advising, she works as an insurance broker and owns a property management business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, delivering customized recommendations through collaborative annual planning engagements.

Jeffrey Rao is a financial advisor with Fidelity and holds the Series 63 and Series 66 designations. He has 26 years of industry experience, including roles at Strategic Advisers, Inc. and Fidelity Personal and Workplace Advisors. Rao is based in Charlotte, NC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs, and it is notable for its advisory role to multiple registered investment companies and use of systematic methodologies including AI-based research.

John Rizzo is a Series 66-licensed financial advisor with UBS Financial Services in Charlotte, NC, and has 18 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets solutions supported by proprietary research and market insights.

Daniel Gillette is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 18 years of industry experience. He has been with Merrill since 2009 and has worked at Bank of America, N.A. since 2008. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based, discretionary, and tax-aware investment strategies for individuals, high-net-worth clients, and institutional accounts. The firm is integrated with Bank of America’s broader platform, providing access to various financial products and services.

Yuval Ezer is a CFA® charterholder and Series 66 licensee with three years of industry experience. He currently serves as a financial advisor at UBS Financial Services and has held prior roles at Foster Victor Wealth Advisors and Wealth Enhancement Group LLC. Outside of his advisory work, he is an advisory board member for ACS Industries, a manufacturing firm. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining proprietary research and capital market insights with wealth management services and institutional trading capabilities.