Magali Hoffiz Colombo is a Financial Advisor with Merrill Lynch Wealth Management, bringing over a decade of experience in the financial industry and four years specifically with Merrill Lynch. Based in the Lake Norman area, she focuses on helping individuals and families manage their financial lives, guiding them toward their personal and long-term financial objectives. Her expertise includes various client focus areas such as Divorce Transition Planning, Employee Benefits Planning, Equity Compensation Services, Institutional and Corporate Benefit Services, Employee Financial Health, International Wealth Management, Legacy Planning, Personal Retirement Planning, Women and Wealth, and Sports & Entertainment. She leverages the investment insights of Merrill and the banking services of Bank of America to provide comprehensive, goals-based financial strategies tailored to each client's unique perspectives and needs. Magali holds a Master's Degree from La Sorbonne and has earned professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She is fluent in English, French, and Spanish. In her community involvement, she participates in the Alliance Française. Magali's personal interests include antiquing, baseball, cooking, music, running, skiing, soccer, spending time with family, traveling, and volleyball.

Patrick Kitson is a financial advisor at Merrill with Series 63 and Series 66 credentials and nine years of industry experience. He previously worked at The Vanguard Group for seven years and Western Governors University for two years. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Marsha Carver is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has worked at Wells Fargo affiliates since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute alongside third-party data to guide its investment approaches.

Michael Bowen is a financial advisor with Edward Jones in Lincolnton, NC, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. He has been with Edward Jones since 2002. Bowen is involved with the Lincoln County Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions. The firm is notable for its extensive network of financial advisors and branch offices and offers services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ryan Canada is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies that align with clients' long-term goals and unique circumstances. His approach emphasizes comprehensive wealth management across seven key areas: family, finances, health, home, leisure, work, and giving. Ryan works closely with clients to navigate evolving life cycles and market conditions, aiming to provide thoughtful and disciplined guidance tailored to individual priorities. His expertise includes college education planning, family wealth management strategies, legacy planning, socially responsible and values-based investing, retirement planning, and tax minimization. He holds a Bachelor's Degree from Radford University and the Personal Investment Advisor (PIA) designation. Outside of his professional role, Ryan enjoys cooking, fishing, football, gardening, hiking, ice hockey, music, skiing, spending time with his family, and tennis.

Charles Foresyth is a CFP® professional with 27 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at Raymond James since 2016, including positions with Ivy Distributors and Waddell & Reed. Outside of his advisory work, he serves as a Deacon and Finance Committee member at Pritchard Church in Charlotte, NC, where he supports endowment review activities. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse range of clients, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by advanced analytical tools and maintains specialized programs for municipal finance and SIMPLE IRA employer consulting.

Megan Juliar is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and five years of industry experience. She has been with Wells Fargo Clearing Services LLC since 2020. Prior to that, she held roles at RHI, World Relief Triad, and the University of North Carolina at Greensboro. 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 offers a range of services including discretionary and non-discretionary retirement plan management, supported by research from Wells Fargo Investment Institute and third-party sources.

William Manning is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has been with Merrill since 2006. Outside of his advisory role, he serves as a Finance Committee member for the West Point Association of Graduates, where he reviews budgets and provides insight on management practices. 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, and institutional investors, utilizing strategic and tactical asset allocation with tax-aware options.

Elverson Brown III is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior roles include positions at Bank of America and Raymond James & Associates. He serves on the advisory board of the Life and Breath Foundation, a nonprofit focused on funding research and awareness of sarcoidosis. Merrill, along 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, and institutions, with services including trading, account administration, and custody support.

Jennifer Simmonds is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, she worked at Ameriprise and Roundpoint Mortgage Servicing. Outside of her advisory role, she is employed as a server at two local restaurants in Charlotte, NC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing roughly $671 billion in assets with over 14,000 financial advisors. The firm uses research from Wells Fargo Investment Institute and third-party sources to support investment decisions and offers a range of brokerage and advisory solutions.

Kirk Siebenaler is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Siebenaler has also been associated with Wells Fargo Insurance Group since 2005. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes both non-discretionary and discretionary options tailored to plan objectives and risk tolerances.

Alexander Lane is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and four years of industry experience. He previously worked at First Citizens Investor Services and First Citizens Bank. Outside of his advisory role, he co-owns an investment-related business with his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services focused on investment policy statement preparation, investment recommendations, and participant education.

Sally King is a financial advisor at Fidelity with 13 years of industry experience and holds a Series 66 designation. Her prior experience includes roles at Valic Financial Advisors, Edward Jones, Charles Schwab, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction for its investment approach.

Zachary Chitwood is a financial advisor at Fidelity with four years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Robinhood Financial and Burlington Beer Works. 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 combines fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios built from mutual funds, ETFs, and ETPs using systematic methods and long-term asset allocation benchmarks.

Christina Williams is a CFP® and holds a Series 66 license, with nine years of industry experience. She has worked at Wells Fargo Clearing Services since 2021 and Wells Fargo Bank since 2014. Outside of her advisory role, she co-owns a family vacation home LLC with her spouse and maintains a CPA license with the North Carolina Board of Certified Public Accountants. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Fady Ibrahim is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and with 10 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC, and has worked at Wells Fargo Bank NA since 2012. Outside of his advisory role, he owns and manages a business entity, RISE ENTERPRISE LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances, and includes a wider range of financial products than typical large institutional advisers.

Monica Luke is a financial advisor at LPL Financial with 21 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Securities America and First Command Financial Services. She serves as an adjunct professor at Queens University, UNCC, and The London School of Economics. 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 financial planning, advisory programs, and retirement plan consulting with both discretionary and non-discretionary management options.

Michael Schmidt is a CFP® professional with 31 years of industry experience, currently serving as a financial advisor with Edward Jones since 2008. He is based in Charlotte, NC and holds Series 63 and Series 65 licenses. Outside of his financial advisory role, he is a co-owner of a rental property in Carolina Beach, NC. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Donald Sutherland is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 21 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Morfesi is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Advisors and Wells Fargo Clearing. He is based in Charlotte, NC. 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 strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.