Denise Rowe is a financial advisor with Cambridge Investment Research Advisors in Charlotte, NC. She holds a Series 66 designation and has seven years of industry experience. Prior to joining Cambridge, she worked at Lincoln Financial Securities Corporation and Principal Securities INC. Denise also worked for Ceridian Inc. for nine years in technology services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension funds, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

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.

Jodene Gibbs is a financial advisor with LPL Financial based in Fort Mill, SC, holding a Series 66 license and 11 years of industry experience. She previously worked at Vista Wealth Strategies LLC and Commonwealth Financial Network. Outside of her advisory role, she is the sole owner of a rental property in South Africa. 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 wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by operational and research tools.

Marcus Decker is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He has worked at LPL Financial since 2018, with prior roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. Outside of his advisory work, he has a minority interest in Florida VIP Medical, a family business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

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 credentials and possessing 33 years of industry experience. He has worked at LPL Financial since 2015 and was previously with Merrill in 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisers. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, with investment strategies implemented via discretionary or non-discretionary authority.

Steven Dungey is a financial advisor with Primerica Advisors in Rock Hill, SC, holding Series 63 and Series 65 licenses and with nine years of industry experience. His prior work includes roles at Cemex, IHCScott, and Foundations Church. Outside of his advisory role, he has entrepreneurial experience related to Rub A Dub Grub. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that delivers advisory services through model-based recommendations managed by unaffiliated asset managers.

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.

Karen Brock is a CFP® and holds a Series 66 license with three years of industry experience. She is currently affiliated with LPL Financial and has prior experience with Commonwealth Financial Network and Pathfinder Wealth Consulting. 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 financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, utilizing a broad range of strategic and tactical investment options supported by operational and research tools.

Bertrand Awana Belinguine is a financial advisor at UBS Financial Services with two years of industry experience. He holds a Series 66 designation and has worked at several firms including Swift Management Group and UPS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including discretionary portfolio management and capital markets activities.

Thomas Brown is a CFP®, ChFC®, and Series 66 licensed advisor with Raymond James & Associates in Charlotte, NC, bringing 13 years of industry experience. His prior roles include positions at Merrill and Edward Jones. He serves as the secretary on the advisory board for the Charlotte SAE Alumni Association, contributing to communication, marketing, and fundraising efforts. 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 and investment consulting through a variety of portfolio management styles and affiliated research resources.

Carter Anderson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he worked at Aon from 2018 to 2021 and has a background that includes time at The University of Georgia. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Geoffrey Kemble is a CFP® with 26 years of industry experience, currently serving at LPL Enterprise since 2024. He previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. Kemble serves on the Board of Managers for the local Brace YMCA and is a board member of the Owners Association of Plantation Office Park in Matthews, NC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, with services that include financial planning, access to external asset managers, and insurance product facilitation through affiliated entities.

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.

Kevin Curley II is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Clearfront Advisory, Global Wealth Advisors, LLC, and UBS Financial Services. Outside of his advisory work, he is the sole owner of Koele Capital LLC, a private entity involved in securities, advisory, and insurance business activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and access to multiple investment strategies.

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.

Alexander Witten is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at The Vanguard Group. Outside of his advisory work, he has been involved with Providence Baptist Church for over a decade. 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 and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools for operational and research assistance.

Scott Davis is a financial advisor with LPL Financial in Charlotte, NC, holding the ChFC® designation and Series 63 and 66 licenses, with 32 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades, and more recently at OSAIC. Davis has business interests including a non-investment-related corporation and involvement in non-variable insurance. 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 and investment platforms, utilizing a large network of advisors and technology tools, with assets under discretionary management exceeding $819 billion.

Osten Waite is a financial advisor at Morgan Stanley in Charlotte, NC, holding Series 66 and Series 63 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at SafeStreets and Earl Enterprise and was a professional golfer from 2017 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling as part of its financial planning process.

James King is a financial advisor at Merrill with Series 63 and Series 65 credentials and 26 years of industry experience. His career includes multiple tenures at Merrill and Wells Fargo Clearing. Outside of finance, he owns a wedding and event photography business and serves as an advisory council member for the Mecklenburg County Aquatic Council. 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 investment strategies for a range of individual and institutional clients.