Joseph Timmons is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 63 and Series 66 credentials and has five years of industry experience. Prior to his current role, he worked at First Bank and Thermo Fisher Scientific, among other positions. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and 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 to construct portfolios mainly from Vanguard funds and ETFs, offering a range of customization options.

John Tamburrino is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations and nine years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2017 and is also the owner of The Overflow Co. CLT, LLC. Prior to his current roles, he held positions at Jacksonville Golf & Country Club and Starbucks. 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 using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs.

Douglas Greenberg is a financial advisor at Vanguard Advisers with four years of industry experience. He holds Series 66, Series 65, and Series 63 designations. His prior experience includes roles at The Vanguard Group, TIAA-CREF, Ameriprise, Alphastar Capital Management, and Wells Fargo. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and constructs portfolios mainly from Vanguard funds and ETFs, with various tax-aware and customization features.

John Miano is a Series 66-registered advisor with Merrill in Huntersville, NC, where he has worked since 2014, accumulating 12 years of industry experience. He is involved in rental property investment activities outside of his advisory role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Jameson Howard is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and three years of industry experience. He has been with Vanguard Advisers since 2025 and is also associated with Vanguard Marketing Corporation and The Vanguard Group. Outside of his financial advisory work, he contracts with Uber and Amazon Flex for transportation and delivery services. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily constructs portfolios from Vanguard funds and ETFs.

Ryan Ennis is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2020. He has been affiliated with various Vanguard entities since 2016 and has maintained self-employment since 2017. Outside of his advisory role, he has worked as a food delivery driver in Charlotte, NC. 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 approach to construct portfolios primarily from Vanguard funds and ETFs, offering broad customization and tax-aware strategies.

Przemyslaw Waszczeniuk is a financial advisor at Raymond James Financial with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Wells Fargo Advisors and Pinnacle Financial Partners. He is also involved with Pinnacle Asset Management as a Licensed Bank Advisor, referring potential clients to Raymond James advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through unique affiliations.

Linda O Loughlin is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds a Series 63 designation and previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Raymond James. Outside of her advisory role, she works part-time as a delivery driver for DoorDash. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers a range of financial planning and consulting services, employing various portfolio management styles supported by in-house research and external sub-advisers.

Brady La Roe is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and one year of industry experience. His work history includes positions at Vanguard Advisers, Vanguard Marketing Corporation, The Vanguard Group, and Michigan State University. Outside of advising, he has worked as a contracted delivery driver for DoorDash. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs. The firm combines digital delivery with a large advisory team, managing hundreds of thousands of client relationships.

Michael Bechard is a CFP® professional with nine years of industry experience, currently serving at Vanguard Advisers. His prior experience includes six years at Fidelity Brokerage Services, LLC. He is based in Charlotte, NC, and holds Series 63 and Series 66 licenses. Vanguard Advisers delivers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm operates at scale with a high client-to-advisor ratio and offers a range of customizable investment solutions including ESG options and tax-aware features.

Robbert Siemers is a Series 66-licensed financial advisor at Vanguard Advisers with four years of industry experience. He has worked at various Vanguard affiliates since 2021 and previously held roles at Carroll Financial Associates and Atlas Financial. Outside of finance, he has experience with Carytown Bicycle Company and has worked in education at Virginia Polytechnic and State University as well as James River High School. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven investment approach. The firm manages portfolios primarily composed of Vanguard funds and ETFs, offering tax-aware features and customization options through a scalable digital platform serving hundreds of thousands of clients.

Antonello Morelli is a financial advisor at Vanguard Advisers with Series 63 and Series 66 credentials and four years of industry experience. He has been with Vanguard Advisers since 2024 and has prior experience at The Vanguard Group and Vanguard Marketing Corporation. 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 methodologies to create personalized portfolios largely composed of Vanguard funds and ETFs.

Iris Hayes is a financial advisor with Vanguard Advisers, holding a Series 66 designation. She has one year of industry experience and has worked at various Vanguard entities since 2026. Her background includes roles at the Center for Financial Planning and several educational and hospitality-related organizations. 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 utilizing proprietary models and primarily constructs portfolios from Vanguard funds and ETFs.

Phillip Farmer is a Certified Financial Planner (CFP®) with 12 years of industry experience, currently serving as an advisor at Vanguard Advisers since 2016. His prior roles include work with Charlotte Stealth Baseball and Vanguard Marketing Corporation. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs.

Anish Patel is a CFP® with 23 years of industry experience, currently serving at Vanguard Advisers since 2002. He holds a Series 63 designation and is based in Charlotte, NC. His entire career has been with The Vanguard Group, Inc. Vanguard Advisers provides both automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages portfolios largely composed of Vanguard funds and ETFs.

Sebastian Serrano Santos is a Series 66 credentialed financial advisor with Vanguard Advisers. He has been with Vanguard and related entities since 2026. His prior experience includes roles at Randstad, Bella Brava LLC, The Fresh Market, and the University of South Florida. Vanguard Advisers delivers 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 create personalized portfolios largely composed of Vanguard funds and ETFs.

Christopher George is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He holds a Bachelor's degree in Business Administration from Kent State University. Christopher has over 27 years of experience as a registered Wealth Management Advisor and possesses the Sports & Entertainment Accredited Wealth Management Advisor™ designation, among other professional certifications such as Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Before his financial advisory career, Christopher was a professional baseball player, selected in the 7th round of the 1988 Major League Baseball draft. He competed for both the Milwaukee Brewers and the Florida Marlins over eight years, earning recognition as a three-time All Star and receiving the Ray Scarborough Minor League Player of the Year Award. His background in professional sports has shaped his approach to business through qualities like motivation, competitiveness, and strong work ethic. Christopher's client focus areas include college education planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, sports and entertainment, and retirement income. Outside of his professional work, he is involved with Ronald McDonald House Charities and enjoys spending time with his wife Katie and their two children at their home in Lake Norman. His personal interests include boating, fishing, baseball, and football, and he also coaches his children's sports teams.

Connor Braun is a CFP® with three years of industry experience, currently serving as an advisor at Vanguard Advisers. He has worked in various roles at Vanguard entities since 2022 and has prior experience including positions at Infrascale and Business Acquisition and Merger Associates. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, employing a goal-based, algorithm-driven approach that utilizes proprietary models and Vanguard funds and ETFs. The firm is notable for its scale, servicing hundreds of thousands of client relationships through a combination of digital platforms and a large advisor team.

Jason Brooks is a CFP® professional with 19 years of industry experience and has worked at The Vanguard Group, Inc. since 2006. He is based in Charlotte, NC and holds a Series 63 license. 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, largely utilizing Vanguard funds and ETFs, and manages a high volume of client relationships through its digital platform and team servicing model.

Charles Moore III is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2017. Prior to LPL, he was with Nationwide Securities and Nationwide Advisory Services for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.