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.

Terry Freeman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and was previously with LPL Financial from 2013 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes options for discretionary management as an ERISA fiduciary, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep programs.

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.

Jackson Spires is a financial advisor at Fidelity with a Series 66 credential and approximately one year of experience. His prior roles include positions at Truffles, DoorDash, and the University of Alabama. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary services along with model portfolios.

John Ager is a Certified Financial Planner (CFP®) with 30 years of industry experience. He has been affiliated with Raymond James Financial Services Advisors Inc. since 2013. In addition to his advisory role, he owns Ager Financial Corporation. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by firm research and a broad affiliate network.

Carol Reynolds is a financial advisor at Morgan Stanley in Charlotte, NC, with 33 years of industry experience. She has been with Morgan Stanley since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients. The firm emphasizes structured financial planning and offers a broad range of investment products and services.

Kristin Rossell is a financial advisor with Ameriprise in Fort Mill, SC, holding Series 63 and Series 66 credentials and 15 years of industry experience. She previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments from 2010 to 2021. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized retirement-income consulting team.

Johnathan Dungan is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds the Series 66 designation and has one year of industry experience, including prior roles at Atlas Investment Management of Nest Capital and the University of North Carolina at Wilmington. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support its investment approach.

Daniel Maday is a financial advisor with Equitable Advisors in Waxhaw, NC, holding a Series 66 designation and over 22 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2002. Maday also operates under the DBA Royal Financial Partners. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

Benjamin Davis is a financial advisor with LPL Financial in Charlotte, NC, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Equitable Advisors, Alternative Health Distributions, and Davidson College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Jason Freeman is a financial advisor with LPL Financial based in Rock Hill, SC, holding Series 63 and Series 66 credentials and totaling 25 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Wells Fargo Clearing from 2016 to 2021 and WELLS FARGO ADVISORS LLC from 2014 to 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of financial planning, advisory programs, and retirement plan consulting services.