Mark Tincher is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. Prior to joining LPL Financial in 2025, he spent 16 years at TIAA and TIAA-CREF and one year at Morgan Stanley. 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 advisory and brokerage services, including financial planning and access to third-party asset management, with advice delivered primarily through investment adviser representatives utilizing various portfolio strategies.

Nicholas Sarno is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to create customized wealth strategies that align their investments, retirement plans, and legacy goals with their priorities. His approach involves listening carefully to clients to understand what they value most and developing strategies designed to help them pursue their financial goals. His areas of expertise include executive compensation, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Nicholas utilizes the global investing resources of Merrill, along with access to the credit, lending, and banking services of Bank of America. Nicholas holds a Bachelor's Degree from High Point University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and as a Personal Investment Advisor (PIA). Outside of his professional work, his personal interests include boating, golfing, hunting, music, and surfing.

Gregory Record is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he joined in 2012. He serves as a Senior Portfolio Advisor, managing discretionary custom investment strategies and selecting from Merrill model portfolios and third-party investment options. His work focuses on developing comprehensive and integrated wealth management approaches for individual and business clients. Greg's expertise encompasses a wide range of wealth management services, including investments, personal and business planning, estate planning, trusts, lending services through Bank of America, executive compensation, and corporate advisory services. He works with clients such as business owners, key executives, professionals, real estate entrepreneurs, and retirees, providing both personal wealth management and corporate advisory solutions. Greg graduated from Roanoke College in 2010 and currently serves on the Charlotte Alumni Committee. He volunteers as President of the Rocky River Trout Unlimited Chapter. Outside of work, he spends time with his family, including his wife Emma, their two sons, Wyatt and Ace, and their yellow lab, Hank. His personal interests include fishing, golfing, running, and skiing.

Holly Gallagher is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial. Her prior roles include lengthy tenures at Commonwealth Financial Network and Horizon Financial. Outside of advising, she serves as president and sole owner of Holly Harrand, Inc., a securities operating corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing financial planning and advisory services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its network of over 22,000 advisors with model portfolios, third-party asset management, and institutional platforms.

Hayward Carter is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior experience includes roles at PNC Investments, LLC and The Vanguard Group, Inc. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Tara Verbeek is a Series 66-licensed financial advisor with 15 years of industry experience. She previously worked at Commonwealth Financial Network for 15 years before joining LPL Financial in 2026. Based in Fort Mill, SC, she provides advisory services through LPL Financial’s platform. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing various models and third-party subadvisors, supported by advisor-facing technology tools.

Michael Krueger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. His prior roles include positions at Equitable Advisors, Axa Advisors, BrightHouse Securities, and METLIFE Investors Distribution Company. Krueger is based in Fort Mill, South Carolina. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, utilizing a combination of discretionary and non-discretionary investment strategies supported by research tools and technology.

James Whiteman is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. Before joining LPL Financial in 2026, he worked at Commonwealth Financial Network for 18 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. It offers a range of financial planning and asset management services through a large network of advisors, combining both advisory and non-advisory financial activities.

Sarah De Kay is a Series 66-licensed financial advisor at UBS Financial Services with two years of industry experience. She has worked at UBS since 2023 and has prior experience in varied roles including positions at Hand & Stone, Holmes Murphy & Associates, and the University of Dallas. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management based on clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets services.

Elliott Wall is a financial advisor with Edward Jones in Lancaster, SC, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at Meadow Wood Farms, LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of financial advisors and branch offices nationwide.

Avery Keitt is a financial advisor at LPL Financial with 13 years of industry experience. He previously worked at Aon Hewitt Financial Advisors for 10 years and had brief tenures at UBS Financial Services and LPL Financial earlier in his career. Outside of finance, he is the owner of Klassik Greekwear, a retail t-shirt company based in Rock Hill, SC. 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 advisory and brokerage services, including financial planning, model portfolio programs, and third-party asset management, supported by a network of over 22,800 advisors.

Lindsy Owens is a CFP® professional affiliated with LPL Financial, bringing two years of industry experience. She previously worked at Harvest Wealth Management, LLC, Commonwealth Financial Network, and ThomasPartners, Inc. Owens is based in Fort Mill, SC. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Louis Pantuosco is a Series 66 credentialed financial advisor with 10 years of industry experience. He has worked at LPL Financial since 2025 and previously spent nine years at Ameriprise and Ameriprise Financial Services, Inc. Outside of his advisory role, he teaches at Lakepoint Academy and coaches soccer at Charlotte Soccer Academy. 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 financial planning, portfolio management, and institutional platforms, supported by proprietary research and technology tools.

David Cook is a financial advisor with LPL Financial in Fort Mill, SC, holding the ChFC®, Series 66, and Series 63 designations and has 19 years of industry experience. His prior roles include positions at The Vanguard Group from 2007 to 2017 and a year as a self-employed advisor before joining LPL Financial in 2017. Outside of his advisory work, he has also worked as an Uber driver. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary research and third-party subadvisors, and supports a large network of advisors with various operational and research tools.

James Gibson is a financial advisor at Raymond James & Associates with 11 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes eight years at LPL Financial and two years at Bluerock Capital Markets, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with an emphasis on tailored, non-discretionary advisory services.

Malik Banks is a financial advisor at Thrivent Investment Management in Charlotte, NC, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Thrivent, he worked in various roles including at Dodge Construction, Wealth Domination University, and Tetratech. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering comprehensive written recommendations on topics such as retirement, tax, estate, and special needs planning. The firm’s approach includes goal-based analyses and separate planning and managed-account services under a consolidated billing option called “WealthPlan.”

Joshua Williams is a financial advisor with LPL Financial based in Charlotte, NC. He holds the Series 66 designation and has six years of industry experience. He has been with LPL Financial since 2019 and also operates Keith Richardson Consulting LLC, a tax preparation and accounting business. 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 advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Lucas Ferster is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Raymond James Financial Services and Baughman Capital Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment management solutions, supported by a large network of advisors and advanced operational tools.

Iris Ilao is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 22 years of industry experience. She has previously worked at firms including Powell Financial Group, Commonwealth Financial Network, Mutual Securities, Inc., Argosy Wealth Management Corporation, and Cetera Advisor Networks. Outside of her advisory work, Ilao is President and Owner of Polaris Lighthouse, Inc., which operates Postal Junction, a pack and ship service and gift shop. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with resources including machine-learning tools to support advisors’ operational and research activities.

Paul Ferrucci is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has previously worked at Commonwealth Financial Network for a combined 24 years and operates The Ferrucci Company, an independent securities business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment programs including financial planning, model portfolios, third-party asset management, and institutional platforms with a focus on both discretionary and non-discretionary account management.