Luis Barrera is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Bank NA, Fidelity Investments, and Truist Advisory Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Ralph Himpel is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding Series 63, Series 65, and Series 66 licenses with 27 years of industry experience. He has worked at Wells Fargo Clearing since 2006, with a brief tenure at TIAA-CREF in 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Justin Jones is a Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he leads a team of advisors and fosters an environment conducive to their professional success. Prior to his current role, he gained experience as a Financial Consultant and Investment Consultant at Fidelity Investments from 2020 to 2025. His career in financial services began with roles at Charles Schwab, Edward Jones, and State Farm between 2016 and 2020. Throughout his career, Justin has developed expertise in financial consulting and investment advisory services. His progression through various positions within the industry reflects a broad understanding of financial planning and client service. Outside of his professional life, Justin enjoys camping, hiking, outdoor adventures, and traveling. He also values family activities and parenthood.

Caleb Glick is a Series 66-licensed financial advisor with Merrill, based in Charlotte, NC, holding nine years of industry experience. His prior roles include positions at Fidelity Investments and Bank of America. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Valerie Rattigan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63, 65, and 66 licenses and possessing 25 years of industry experience. Her career includes roles at TIAA-CREF and Allstate Insurance Company, as well as real estate and insurance activities in the Charlotte area. She has been with Vanguard and its affiliates since 2021. Rattigan is also involved in real estate as a contracted agent with Berkshire Hathaway HomeServices Elite Properties. 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, utilizing proprietary methodologies and primarily Vanguard funds and ETFs in its portfolios.

David Tatich is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. He has been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2000. Based in Charlotte, NC, Tatich holds Series 63 and Series 65 licenses. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach, primarily constructing portfolios from Vanguard funds and ETFs, with customizable options including ESG and tax-aware features.

Cindy Schwamberger is a Series 66-licensed financial advisor at Morgan Stanley with 25 years of industry experience. She has worked at Morgan Stanley since 2009, with a brief period of unemployment in 2017. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients by delivering a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through corporate financial planning agreements.

Abigale Smalley is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2025, she held various roles including positions at Bruegger's Bagels and Applebee's/RMH Franchise Holding. Merrill provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tate Carrier is a financial advisor at Merrill holding a Series 66 designation with three years of industry experience. His prior roles include positions at Bank of America and Drucker Wealth, as well as four years at the University of North Carolina at Chapel Hill. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals and institutions.

Russell Winchester is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and bringing 34 years of industry experience. He has worked with several firms, including LPL Financial and Newport Group, and is involved with the USA Track and Field Association. Vanguard Advisers offers both automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs.

Robert Mc Racken is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 66 designation and has worked previously at Equitable Advisors LLC and Townebank. Vanguard Advisers offers both automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach primarily using Vanguard funds and ETFs, and manages a large client base through its digital platform and advisory teams.

Courtney Griffin is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations and seven years of industry experience. Prior to joining Vanguard Advisers, she worked at The Vanguard Group, Vanguard Marketing Corporation, and has experience in retail and catering sectors as well as university administration. 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 primarily constructed from Vanguard funds and ETFs. The firm manages a large client base through a combination of digital delivery and a team servicing model.

Jeffrey Stevenson is a Senior Financial Advisor at Merrill Lynch Wealth Management. As a Certified Financial Planner (CFP®) professional, he specializes in delivering tailored financial plans that address goal-based investing while aligning investment, retirement, and legacy planning needs. He works with clients to provide comprehensive wealth strategies that incorporate a holistic approach. Jeffrey focuses on support for business owners with complex planning needs, individuals aiming to simplify their finances for retirement, and those seeking trust and estate planning strategies for legacy control. His expertise includes college education planning, philanthropic planning, small business strategies, tax minimization, retirement income, and managing new wealth. He earned a Bachelor of Arts degree from Campbell University in 2014, majoring in Trust and Wealth Management with a minor in Financial Planning. Originally from Dayton, Ohio, Jeffrey moved to Charlotte, North Carolina in 2003. Outside of his professional work, he enjoys spending time with family and friends, watching and playing sports, boating on Lake Wylie/Norman, traveling, and engaging in various adventure sports. He is also committed to community involvement through volunteer work.

China Leonard is a financial advisor at Vanguard Advisers with 18 years of industry experience. They hold Series 63 and Series 66 designations and have worked with multiple Vanguard entities since 2008. Leonard is also involved with Virtuous Lee Alterations, a business they have operated since 2008. Vanguard Advisers offers a combination of automated and human-supported investment advice primarily to retail investors and employer-sponsored retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach with portfolios built mainly from Vanguard funds and ETFs, emphasizing digital delivery and scalable client service.

Joseph Pecarro is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Nationwide Financial Network and Suntrust Advisory Services prior to joining Merrill in 2022. Based in Charlotte, NC, Pecarro has a background in both advisory and securities services. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, using model-based and discretionary investment strategies constructed by internal and third-party managers.

Jon Fenton is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. He is also the owner of a vlog called Jon's Bourbon and Bags Review. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs.

Benjamin Kirkland is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Wells Fargo, he worked at LPL Enterprise LLC and LPL Financial, and has a background that includes roles at the Washington Office of the Secretary of State and Vail Resorts, Inc. He also operated Mountain Gurus DBA Northwest Alpine Guides, an entrepreneurial venture in outdoor guiding. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party data to support its investment approach.

Stephen Grice is a CFP® with 39 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. He previously worked at Signator Investors, Inc. and has operated in the insurance business through Furman Insurance Agency since 1988. Grice holds officer roles in organizations including Grice Financial Group and the nonprofit Professional Life Advisors Network, where he serves on the Board of Directors. Osaic Wealth serves a diverse client base ranging from individual investors to institutional and corporate clients, offering comprehensive financial planning, advisory, and brokerage services through a multi-advisor platform. The firm employs a model-based investment process supported by various portfolio management tools and maintains a large, complex network of affiliated entities.

Joshua Standifer is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo in various roles since 2015. Outside of his advisory work, he owns and operates a specialty clothing apparel business called Sole Running LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jason Hnat is a financial advisor with Ameriprise in Charlotte, NC, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at MassMutual, Park Avenue Securities, and LPL Financial. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports through a centralized consulting team.