Christopher Scott is a financial advisor at Empower Advisory Group with four years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing, Wells Fargo Bank, and TIAA. Outside of advising, he is a licensed notary public in Bear Creek, North Carolina. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, delivering integrated solutions linked to Empower’s recordkeeping and administrative platforms.

David Leder is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has previously worked at Cambridge Investment Research and is also president of Legacy Insurance Solutions LLC. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, and institutional clients. The firm employs independent investment adviser representatives and offers a mix of advisory and brokerage services with a significant portion of assets managed on a non-discretionary basis.

David Hackney is a Series 66-credentialed financial advisor with Money Concepts Capital Corp in Pittsboro, NC, where he has worked since 2015. He has 10 years of industry experience and has been engaged in ongoing education since 2009. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm employs a variety of managed programs and combines fundamental and technical analysis with modern portfolio theory to manage client assets.

Kimberley Palladino is a financial advisor at Truist Advisory Services with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Truist and its predecessor, SunTrust, since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager selection programs, utilizing a combination of discretionary and non-discretionary approaches supported by AI-enabled research tools.

Khutchnai Kang is a financial advisor at Empower Advisory Group with one year of industry experience. He holds Series 63 and Series 66 designations and previously worked at Fidelity Investments. Prior to his financial career, he spent time in retail and education roles. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage account holders. The firm’s approach emphasizes integrated services tied to Empower’s administrative platforms and focuses on long-term portfolio returns and plan sponsor-chosen investment lineups.

Richard Nathan is a financial advisor at Mariner with 8 years of industry experience. He previously spent 28 years at Forte Capital LLC. Outside of advising, he serves on the management committee of Forte Capital, which solely holds Mariner F-1 Units without providing investment advice or financial planning. Mariner serves a diverse client base through customized, discretionary portfolio management supported by in-house research and third-party managers, and offers integrated tax, accounting, and financial wellness services in addition to traditional investment solutions.

Roger Werner is a financial advisor at OSAIC with 55 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior work includes 25 years with Signator Investors, Inc. and John Hancock Mutual Life Insurance Company, followed by eight years at Royal Alliance Associates, Inc. Werner volunteers on the University of North Carolina Board of Visitors, where he communicates with prospective honors students. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisors. The firm offers integrated brokerage and advisory services with a variety of investment options and utilizes advanced portfolio management tools and third-party solutions.

Steven Kocher is a Certified Financial Planner® with over 38 years of experience, currently serving at UBS Financial Services since 1987. He is based in Troy, MI, and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services that include proprietary research and tailored financial planning.

Laneeca Taylor is a financial advisor at Morgan Stanley with 28 years of industry experience. She has held roles at Morgan Stanley Smith Barney since 2010, following four years at Citigroup Global Markets. Taylor holds Series 63 and Series 65 securities licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning services supported by proprietary tools and investment research, managing approximately $2.74 trillion in client assets.

Zachary Mc Donald is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation. Outside of his advisory role, he is involved with Guilford College United Methodist Church, where he manages and leads the church's audio-visual and streaming services. Charles Schwab & Co., Inc. serves a broad client base including high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach with centralized operational and supervisory infrastructure.

Benjamin Baumberger is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques while generally acting in an advisory capacity for its clients.

Gary Elefante is a CFP® professional with 24 years of industry experience, currently serving as an advisor at LPL Financial since 2007. Prior to joining LPL, he worked for Equitable Advisors for six years. His outside activities include placing new fixed insurance business through Crump Insurance Services as a producer. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Elizabeth Bass is a financial advisor with Morgan Stanley in Chapel Hill, NC, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2014. Bass serves as a board member of the Croasdaile Country Club in Durham, North Carolina. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, emphasizing tailored financial planning and a structured discovery process using firm-approved tools.

Justin Waring is a financial advisor with UBS Financial Services in Chapel Hill, NC, holding a Series 66 designation and 17 years of industry experience. He has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a variety of capital markets services.

Gregory Mc Donald is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise. Outside of finance, he was involved with Johnnie Mercer’s Fishing Pier in 2022. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Craig Wulff is a Market Leader at Fidelity Investments, where he leads a team of financial professionals focused on collaborating with clients to develop financial plans tailored to their priorities. He emphasizes understanding what is most important to clients to build plans they understand and trust. Craig has extensive experience in financial services, having held various leadership roles at Fidelity Investments since 2005, including Vice President and Branch Office Manager positions. Prior to that, he held multiple vice president roles at TD Waterhouse Investor Services from 1995 to 2005, progressing from Registered Representative to regional and national management positions. Details about Craig's education, credentials, personal interests, and community involvement were not provided.

Michelle Beanland is a financial advisor with Merrill in Chapel Hill, NC, holding Series 63 and Series 65 licenses and accumulating 40 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 2001 and with Bank of America, N.A. since 2011. Outside of her advisory role, she is involved in managing a family-owned beach house rental. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Kevin Scharnhorst is a financial advisor with Morgan Stanley in Chapel Hill, NC, holding a Series 66 license and seven years of industry experience. His prior roles include tenures at AXA Advisors, Northwestern Mutual, and Equitable Advisors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Christopher Richards is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2003, based in Chapel Hill, NC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and tax-efficient services.

Stephanie Kidd is a financial advisor at Raymond James & Associates with 12 years of industry experience. She has been with Raymond James & Associates since 2015 and holds a Series 66 designation. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.