Stephen Holderness IV is a financial advisor with Mass Mutual Investors Services in Charlotte, NC, holding a Series 66 designation and having one year of industry experience. Prior to his current role, he worked at MassMutual Life Insurance Company and has experience in public health and small business operations. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-driven planning using firm-approved analytical tools.

Matthew Wells is a CFP® with 16 years of industry experience. He is currently with Fidelity, where he has held roles across Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and oversee a range of investment products and model portfolios.

Hilary Miller Farmer is a financial advisor at UBS Financial Services with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Merrill and Morgan Stanley before joining UBS in 2020. She serves on the board of directors for Humane Society Lake Norman, assisting with animal adoption and foster events. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

John Sloop Jr. is a CFP®-certified financial advisor with 29 years of industry experience, currently affiliated with Cetera. His prior experience includes roles at LPL Financial and Independent Advisor Alliance, with ongoing business activities including serving as a notary public in Rock Hill, SC. He also operates several business entities related to investment and financial services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through more than 10,000 advisors nationwide.

Denise Rowe is a financial advisor with Cambridge Investment Research Advisors in Charlotte, NC, holding the Series 66 designation and seven years of industry experience. Her prior experience includes roles at Lincoln Financial Securities Corporation and Principal Securities Inc., as well as earlier employment outside finance. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using a range of portfolio management strategies tailored to client objectives.

James Norris is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing detailed Recommendation Reports on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach and offers a wide range of advisory, brokerage, and insurance solutions typical for a large institutional firm.

Marcus Decker is a financial advisor with LPL Financial in Fort Mill, SC, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. He is also involved in a family business, Florida VIP Medical, LLC, based in Delray Beach, FL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and advanced portfolio management tools.

Shane Tenny is a financial advisor with MassMutual Investors Services in Charlotte, NC, holding a Series 66 designation and 25 years of industry experience. He has been with MassMutual Life Insurance Company and its investment services division since 2001. Outside of advising, he is an author involved in book sales. MassMutual Investors Services operates as a broker-dealer and registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative, software-supported planning approach and provides a range of investment and educational services.

Salvatore Vero is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has been with LPL Financial since 2015. 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. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and nondiscretionary management with access to model portfolios and research from various sources.

Nataliya Tsytsarova is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. Her career includes roles at Wells Fargo Clearing Services, Wells Fargo Bank NA, and Jackson-Hewitt Tax Services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including retirement, education, and specialized services such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations.

Bertrand Awana Belinguine is a financial advisor at UBS Financial Services with one year of industry experience. He holds a Series 66 designation and has prior work experience at firms including Swift Management Group and UPS. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Thomas Brown is a CFP® and ChFC® with 12 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2015. He holds a Series 66 license and has been involved with the Charlotte Soccer Academy in the past. Brown is also an advisory board member and secretary of the Charlotte SAE Alumni Association, a nonprofit organization where he contributes to communication, marketing, and fundraising efforts. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary advisory programs, with an emphasis on public finance and municipal services.

Carter Anderson is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and four years of industry experience. His prior professional background includes roles at Aon and several other positions before joining Merrill in 2021. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Geoffrey Kemble is a CFP® professional with 26 years of experience in the financial services industry. He is currently with LPL Enterprise and has an extensive background at Prudential Insurance Company of America and Pruco Securities, LLC. He serves on the Board of Managers for the local YMCA in Matthews, NC. LPL Enterprise, LLC serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to a range of investment and insurance products through its integrated platform.

Joseph Ratchford is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously worked at Southeast Interior Systems, LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and operates with more than 14,000 financial advisors managing approximately $671 billion in assets.

Jonathan Chow is a financial advisor with Edward Jones in Wesley Chapel, NC. He holds the ChFC® designation and Series 66 license and has seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in various roles including positions with the Charlotte Surgery Center and the Charlotte-Mecklenburg Police Department. He serves as a Reserve Deputy with the Mecklenburg County Sheriff's Office. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory services. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,700 financial advisors.

Scott Davis is a financial advisor at LPL Financial in Charlotte, NC, holding the ChFC® designation with 32 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades before joining LPL in 2025. Outside of his advisory role, he is involved in a non-variable insurance business and maintains several other business entities unrelated to investment advisory services. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Osten Waite is a financial advisor with Morgan Stanley in Charlotte, NC, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Morgan Stanley, he worked at SafeStreets and Earl Enterprise, and he was a professional golfer for six years. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools.

James King is a financial advisor at Merrill with 26 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing. Outside of finance, he owns JJ King Photography, specializing in wedding and event photography, and serves on the Mecklenburg County Aquatic Council advisory board. Merrill provides managed account services through the Select Portfolio Solutions program to Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Caroline Wyker is a financial advisor at UBS Financial Services in Charlotte, NC, holding Series 63 and Series 66 licenses with 18 years of industry experience. She has worked at UBS Financial Services since 2009, with a brief employment gap from 2019 to 2020. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor investment plans, combining institutional trading capabilities with wealth management services.