Daniel Pham is a financial advisor at Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses with one year of industry experience. His work history includes positions at Bank of America, Merrill, DYSIS, Wells Fargo Clearing Services, and other firms dating back to 2019. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Greene is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has been with The Vanguard Group since 2014. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized asset allocations primarily from Vanguard funds and ETFs.

Gregory Jean Baptiste is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and three years of industry experience. His career includes roles at Wells Fargo and academic positions at Utah Valley University and Brigham Young University. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Terrell Whitmore is a financial advisor with Vanguard Advisers in Charlotte, NC. He holds Series 66 and Series 63 licenses and has four years of industry experience. Prior to joining Vanguard, he worked at Bank of America, Merrill Lynch, and Robinhood Financial. Vanguard Advisers provides both 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 featuring proprietary methodologies and primarily invests in Vanguard funds and ETFs.

Mark Johnston is a CFP® professional with 27 years of experience in the financial industry. He has been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 1999 and currently serves as an advisor at Vanguard Advisers. In addition to his advisory role, he is contracted with DoorDash for food delivery services. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants, utilizing a goal-based, algorithm-driven approach that incorporates personalized asset allocations and tax-aware portfolio features. The firm manages a large client base with over 2,200 advisors and emphasizes digital delivery alongside tailored investment solutions primarily using Vanguard funds and ETFs.

Michael Marasco is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses. He has six years of industry experience, including roles at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. prior to these, he held positions in diverse industries such as education and construction. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, delivering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Samuel Moran is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and 17 years of industry experience. Before joining Vanguard in 2026, he worked for 20 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as an executor and holds power of attorney for his father in Prescott, AZ. 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 approach using proprietary models to create personalized portfolios largely composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Lisa Riter is a CFP® professional with 31 years of industry experience, currently serving as an advisor at Vanguard Advisers in Charlotte, NC. She has worked with Vanguard and its affiliates since 1998. In addition to her advisory role, she is the owner of Blue Sky Properties LLC, a real estate business based in Asheville, NC. 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 and manages portfolios primarily using Vanguard funds and ETFs, combining scale and digital delivery with personalized asset allocation strategies.

Douglas Robertson is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 17 years of industry experience, including roles at Truliant Federal Credit Union and Cuna Brokerage Services. Robertson is also involved with Truliant Financial Advisors in connection with his LPL 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 provides a range of advisory services including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Kristen Thomas is a CFP®-certified financial advisor with nine years of industry experience. She is currently affiliated with Cetera and also serves as a financial professional at Paved Wealth Partners, LLC. In addition to her advisory work, she operates a small gardening consulting business called Southern Rooted Gardens. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves individual, retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with access to affiliated and third-party money managers.

Phillip Turner is a financial advisor at Vanguard Advisers with 13 years of industry experience. He has been with The Vanguard Group since 2013 and was self-employed from 2018 to 2020. Turner holds Series 63 and Series 65 licenses. 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 with portfolios constructed largely from Vanguard funds and ETFs, offering a range of customization options including ESG preferences.

Nicholas Caropreso is a financial advisor with Edward Jones in Mooresville, NC, holding a Series 66 designation. He joined Edward Jones in 2026 and has prior professional experience at Lowe's Companies Inc., Johnson & Johnson, Unilever, and Pinnacle Foods. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

John Thibault is a financial advisor with Ameriprise in Charlotte, NC, holding a Series 66 credential and three years of industry experience. Prior to his current role, he has worked in various roles including service industry employment as a bartender at Tiffany Sports Lounge. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Jeb Milam is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 63 and Series 66 licenses and has seven years of industry experience, including a 30-year tenure at Wells Fargo Advisors and Wells Fargo Clearing Services. 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 featuring proprietary asset allocation models and predominantly constructs portfolios from Vanguard funds and ETFs.

Scott Atkinson is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services and LPL Financial. He is also an employee of The Vanguard Group, Inc. 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 approach to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options and managing a large client base through a combination of technology and team support.

Carrie Jones is a financial advisor at OSAIC with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services Inc and Cambridge Investment Research Advisors, Inc. Jones serves as a board member for Serenity Pastoral Counseling, a nonprofit organization. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and third-party money manager programs. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, with a notable scale and a complex affiliate network supporting its platform.

Adrian Smigiel is a financial advisor with Wells Fargo Clearing in Belmont, NC, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing since 2018 and previously worked at Wells Fargo Bank, NA from 2015 to 2018. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Tapp II is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a wide range of advisory services, including financial planning, retirement plan consulting, and investment management, supported by research from Wells Fargo Investment Institute and third-party sources.

Jesse Riley is a financial advisor with Wells Fargo Clearing in Concord, NC, holding Series 63 and Series 65 credentials. He has one year of industry experience and has been with Wells Fargo Bank and its affiliates since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Thomas Sparkman is a financial advisor with Vanguard Advisers in Charlotte, NC, holding CFP® and Series 63 credentials and nine years of industry experience. He has been with The Vanguard Group, Inc. since 2017. Outside of his advisory role, he participates in healthcare training webinars as a demonstration patient and contributes as a focus group participant in multiple marketing research firms. 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 approach to asset allocation, primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and team servicing model.