Gerald Smith is a financial advisor with Commonwealth Financial Network in Charlotte, NC, holding a Series 66 designation and 12 years of industry experience. He previously worked at FSC Securities for 12 years and has held roles at OSAIC, Kelly Ryan Financial, and Commonwealth since 2023. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, supported by operations, technology, and compliance resources.

Robert Maloney is a financial advisor at First Citizens Investor Services, Inc. He holds a Series 66 designation and has two years of industry experience. His prior work includes roles at Howard Hanna Mortgage Services and Allen Tate Mortgage. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm emphasizes IAR-led financial assessments and employs fundamental, quantitative, and technical analysis to manage diversified portfolios across various asset classes.

Thomas Roediger is a financial advisor with Truist Advisory Services in Charlotte, NC, holding Series 63, 65, and 66 credentials and 28 years of industry experience. His prior work includes roles at BB&T Securities, BB&T Investments, and PNC Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled equity research and an integrated inter-affiliate operating model.

Gerard Nieters is a financial advisor with Principal Financial Services in Charlotte, NC, holding Series 63 and Series 65 designations and 24 years of industry experience. He has worked at Sage Financial Partners since 2006 and has been affiliated with Principal Life Insurance Co. and Principal Securities Inc. since 2003. Outside of his advisory role, he is involved in selling group and individual health insurance as well as other insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Kevin Renz is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 licenses and 18 years of industry experience. His prior work includes positions at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC. First Citizens Investor Services, Inc. serves individual and institutional clients, including high-net-worth individuals and charitable organizations, providing a range of advisory and brokerage services. The firm emphasizes IAR-led financial assessments and uses a combination of fundamental, quantitative, and technical analysis to manage diversified portfolios across multiple asset classes.

Jackey Webb is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 credential and 15 years of industry experience. Prior to joining First Citizens Investor Services in 2015, Webb worked at Wells Fargo Clearing from 2011 to 2015. Outside of advisory work, Webb serves as Vice President of the Pisgah High School Athletic Booster Club and is a volunteer PA announcer for Pisgah High School sports. Webb also holds a leadership position as 3rd Vice-President of the Canton Lions Club. First Citizens Investor Services, Inc. serves individual and institutional clients by providing advisory and brokerage services through a range of portfolio management solutions, including UMA and SMA programs, model portfolios, and automated investing platforms. The firm focuses on tailored client assessments and applies various investment analyses to construct diversified portfolios across equities, fixed income, mutual funds, and ETFs.

Amanda West is a CFP® with 12 years of industry experience, currently advising clients at Janney Montgomery Scott. She has worked at Janney Montgomery Scott since 2022 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and advisory programs, and integrates in-house and third-party portfolio management through various wrap programs and model portfolios.

Ryan Johnson is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and over 21 years of industry experience. Prior to joining TIAA-CREF in 2018, he worked at Credit Suisse Securities and Vincent Limousine. Outside of finance, Johnson has worked in transportation services, including roles as a driver for Uber, a medical courier, and an Amazon delivery driver. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals with ties to TIAA-administered employer retirement plans, as well as trusts, estates, and corporate entities. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary portfolio management, utilizing both model and customized portfolios.

Scott Warner is a financial advisor at Wells Fargo Investment Institute, Inc. with three years of industry experience. He holds a Series 66 designation and previously worked at Nuveen Asset Management and Nuveen Securities. Wells Fargo Investment Institute is a bank-affiliate research and advisory organization that provides model portfolios, asset allocation guidance, and securities research primarily to Wells Fargo wealth and fiduciary businesses. Its services are generally non-discretionary and team-based, combining qualitative and quantitative analysis to support affiliate investment decisions.

James Aughtry is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with TIAA-CREF since 2006, including the firm’s affiliated entities. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory model distinguishes point-in-time planning services from ongoing discretionary management and acts as adviser to the TIAA Donor Advised Fund.

Tate Johnson is a financial advisor at TIAA-CREF with two years of industry experience. He holds the Series 66 designation and has previously worked at Kipos Greek Taverna and Iza Whiskey and Eats. Johnson also has experience with the University of North Carolina at Chapel Hill and Metrolina Christian Academy. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model and customized portfolios.

Matthew Lavin is a financial advisor at TIAA-CREF with Series 65 and 63 licenses and three years of industry experience. He has worked at TIAA-CREF and Wells Fargo, among other firms. Outside of finance, he performs as a freelance musician with various performing arts organizations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management, including customized and model-based solutions.

Donna Allardice is a financial advisor at TIAA-CREF with 14 years of industry experience. She holds the Series 63 and Series 66 designations and has been with TIAA-CREF since 2014. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing discretionary management with a fiduciary standard applied to its advisory services.

Rashaan Robertson is a financial advisor at TIAA-CREF with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2011, following his work at TIAA which began in 2002. Outside of his advisory role, he works part-time as a seasonal sortation associate. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans. The firm combines point-in-time planning with ongoing portfolio management and serves as adviser to various client types, including those connected to employer retirement plans.

Irina Podmolska is a CFP®-certified financial advisor with Schwab Wealth Advisory in Charlotte, NC, bringing eight years of industry experience. She has held roles at Charles Schwab, KEY BANK, Bank of America, Merrill Lynch, and M&T Bank. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice within the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations guided by Schwab’s research tools and asset allocation models. The firm acts as an internal advisory unit within the Schwab ecosystem, delivering advice without discretionary trading authority.

Evan Haire is a financial advisor with PNC Wealth Management in Charlotte, NC, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior work includes roles at MML Investors Services, Mass Mutual Life Insurance, Merrill Lynch, and Western & Southern Life. Outside of finance, he has experience managing a wine room business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees with existing PNC Bank online credentials. The firm employs approved model strategies managed by PNC or third parties, using mutual funds and ETFs with annual rebalancing and no individual security trading or margin.

Adhithya Rajagopalan is a financial advisor at TIAA-CREF with one year of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining TIAA-CREF, he worked at Florida Financial Advisors DBA Tristate Financial Advisors and has experience as a freelance tutor. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management with a fiduciary standard applied to its registered investment adviser services.

Stuart Moffitt is a financial advisor at Bankers Life Advisory Services, Inc. with three years of industry experience. He holds the Series 66 designation and has worked within various Bankers Life entities since 2020. In addition to his advisory role, he is a licensed agent for Bankers Life & Casualty, specializing in Medicare, long-term care, life insurance, and annuity products. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser serving mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm utilizes a combination of fundamental, technical, and cyclical analysis to craft tailored asset allocations, offering both wrap and non-wrap programs through Pershing as custodian and Bankers Life Securities, Inc. as broker-dealer.

Constance Kennedy is a financial advisor with T. Rowe Price Advisory Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 designations and bringing eight years of industry experience. She previously worked at Gwfs Equities, Inc. for seven years and BB&T for four years. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory program for individual investors and households, combining goals-based financial planning, retirement income planning, and discretionary investment management primarily using proprietary mutual funds and ETFs.

Caroline Thomas is a financial advisor at Truist Advisory Services with three years of industry experience. She holds Series 65 and Series 63 licenses and has worked within the Truist organization since 2023, including roles at Truist Investment Services and Truist Financial Corporation. Prior to her advisory career, she held positions in both health solutions and education sectors. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors and participants, and charitable organizations. The firm utilizes a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools, to deliver fiduciary support and customized investment management solutions.