Michael Klenck is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 32 years of industry experience. His prior work includes roles at VOYA Financial Advisors and Retirement Income Advisors, Inc. He also operates REH Wealth, a financial services business, and works as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform supporting various investment strategies and program structures.

Shelden Flowers is a financial advisor at Edward Jones in Mooresville, NC, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones in 2023, he worked in the automotive sales industry and briefly at New York Life Securities. He is also the founder and CEO of MagnaMat, a business specializing in magnetic rug locks sold on Amazon. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and supports a nationwide network of more than 23,700 financial advisors.

James Fill is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals, focusing on a collaborative approach that considers each client's full financial picture, risk tolerance, liquidity needs, and long-term objectives. James has expertise in corporate executive services, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Ohio State University. In addition to his professional work, James participates in community volunteer activities in line with Merrill’s tradition. His personal interests include baseball, basketball, football, golfing, pickleball, and spending time with his family.

Scott Drahzal is a CFP® with 27 years of industry experience, currently serving at Vanguard Advisers since 2002. He has been associated with The Vanguard Group and Vanguard Marketing Corporation since 1999. He is president of his local homeowners association board. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach to asset allocation and portfolio construction, primarily using Vanguard funds and ETFs.

Sarah Hind is a CFP® with 22 years of industry experience and has been with Vanguard Advisers in Charlotte, NC since 2010. She also holds a Series 66 license and has worked concurrently with Vanguard Marketing Corporation and The Vanguard Group, Inc. during her tenure. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options including tax-aware strategies and ESG exposure.

Daniel Richardson is a financial advisor at Thrivent Investment Management in Concord, NC. He holds a Series 66 designation and has professional experience at Lincoln Financial and Liberty Life Assurance prior to joining Thrivent. Richardson has been with Thrivent and its affiliated entities since 2025. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics and combines planning with managed-account programs under a consolidated billing arrangement called “WealthPlan,” while maintaining separation between planning and portfolio management.

Steven Looser is a financial advisor at LPL Financial with 24 years of industry experience. He has been with LPL Financial since 2008 and holds Series 63 and Series 66 designations. He operates under the business name The Looser Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management alongside model portfolios and research support.

Teresa Chapman is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services from 2016 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery tools and proprietary investment models.

Yanan Liu is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 licenses and five years of industry experience. Prior to joining Vanguard Advisers in 2025, Liu worked at Thrivent Investment Management and Thrivent Financial, and was involved with the Impression Cultural Arts Center from 2021 to 2024. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs.

Thomas Oddo is a financial advisor with Raymond James Financial in Huntersville, NC, holding Series 63 and Series 66 designations and bringing 40 years of industry experience. He has been with Raymond James Financial Services since 1991 and leads Oddo Financial Services as its president. In addition to his advisory work, he serves as a professor at Davidson College. Raymond James Financial Services Advisors, Inc. serves a diverse range of clients, including individual investors, high-net-worth and non-HNW clients, pension plans, charitable organizations, corporations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, often working in an advisory and implementation-support role rather than discretionary management.

Catherine Stewart is a CFP® professional with 18 years of industry experience, currently serving at Vanguard Advisers since 2012. She holds the Series 66 designation and is based in Charlotte, NC. Outside of her advisory role, she acts as Co-Trustee for her mother's revocable trust. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach using proprietary models to tailor asset allocations across various savings goals, primarily utilizing Vanguard funds and ETFs.

Brandon Badik is a financial advisor at Vanguard Advisers in Charlotte, NC, holding a Series 66 designation. He has one year of industry experience, having worked at various Vanguard entities since 2025. His prior work includes roles outside the financial industry and at academic institutions. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach and manages portfolios primarily composed of Vanguard funds and ETFs, emphasizing scale and digital delivery through a large advisory team.

Alejandro Navarro is a financial advisor with Vanguard Advisers, holding a Series 66 designation and bringing 12 years of industry experience. His prior work includes roles at Merrill and Bank of America, N.A. He is based in Charlotte, NC. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer‑sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs, providing both scalable digital delivery and personalized customization options.

William Hayes III is a CFP® professional with 26 years of industry experience, currently serving at Vanguard Advisers since 1999. He holds the Series 63 designation and is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with personalized asset allocations, primarily employing Vanguard funds and ETFs, and supports a large client base through a combination of digital platforms and advisor teams.

Keith Sojak is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and 18 years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2011 and joined Vanguard Advisers in 2026. Vanguard Advisers delivers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, using proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs.

John Kershner is a financial advisor at Fidelity with 17 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at LindenThomas Company, Grow Local, and Wells Fargo Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and fund-of-funds structures and model portfolios.

David Crosland IV is a Series 66-registered financial advisor with Morgan Stanley, based in Cornelius, NC. He has five years of industry experience, having worked at Bank of America from 2015 to 2020 before joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering 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.

Sarah Fremin is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2018. Outside of her advisory role, she works part-time as an office assistant at Sheri L Major CPA, Inc. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Michael Sansone is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC. He has been with The Vanguard Group, Inc. since 2013. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that uses proprietary methodologies and mainly Vanguard funds and ETFs to construct personalized portfolios.

Michael Crawford is a financial advisor at Vanguard Advisers with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in multiple roles within Vanguard and its affiliates since 2024. Prior to joining Vanguard, he was employed at the University of South Carolina and has also worked in non-financial roles including positions at Blue Ocean Fish Market and Crystal Coast Landscapes. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware strategies.