Kevin Harvel is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Securities America Advisors, Mass Mutual Investors Services, and Signator Investors, Inc. 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, and institutional platforms.

Barry Ozer is a financial advisor at OSAIC with 16 years of industry experience. He holds a Series 66 credential and has previously worked at FSC Securities Corp and Morgan Stanley. Outside of his advisory role, Ozer serves as a board member for the 3T Foundation, a charity focused on educational enrichment and development for underserved youth in Charlotte, NC, and is a managing partner of Magnolia Capital Partners, an investment and financial planning LLC. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of advisory and brokerage services using model-based asset allocation and portfolio optimization, supported by discretionary and third-party managed strategies.

Chad Miller is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 16 years of industry experience. His work history includes roles at LPL Financial, TD Private Client Wealth, TD Bank, FINRA, Raymond James Financial, and T. Rowe Price Advisory Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions.

Claudia Brown is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 credentials and 31 years of industry experience. Her prior roles include positions at Commonwealth Financial Network and Guided Path Financial. She is also a notary public outside of her investment advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser that delivers services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a wide range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Monica Vadhera is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in developing personalized financial strategies that align with each client’s unique goals, leveraging the investment insights of Merrill and the banking solutions of Bank of America. Her expertise encompasses a broad range of client focus areas, including college education planning, family wealth management, retirement planning, legacy planning, and tax minimization, among others. Monica holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Hansraj India and completed an Accredited Certificate Program from the AICPA. Fluent in English, Hindi, and Punjabi, she is committed to providing comprehensive wealth management services grounded in a deep understanding of her clients’ needs. In addition to her professional work, Monica actively participates in community service, reflecting the Merrill tradition of community involvement. Her personal interests include badminton, biking, music, reading, sewing, singing, table tennis, and yoga.

Holly Giacobone is a financial advisor at UBS Financial Services in Charlotte, NC, holding Series 63 and Series 66 licenses with 31 years of industry experience. She has worked at Merrill Lynch since 1994. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor plans based on proprietary research and capital market assumptions.

Harry Greyard is a CFP®-certified financial advisor at LPL Financial with 32 years of industry experience. He has worked at LPL Financial since 2021 and previously held roles including teaching with the Financial Planning Association of Charlotte and involvement with Myrtle Street Pier Association Inc. He has been affiliated with Queens University and Avondale Presbyterian Church in non-investment capacities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment programs supported by proprietary research and technology, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

Daniel Cruse is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and bringing 28 years of industry experience. He has been with LPL Financial since 2009, following prior roles at Fifth Third Securities and Wells Fargo Clearing. 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, and institutional platforms.

Colin Noone is a financial advisor at UBS Financial Services with a Series 66 designation and three years of industry experience. Prior to joining UBS in 2021, he held roles at several companies including Autobell, SoccerRealz, DoorDash, FedEx, and Footlocker. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and research resources.

Diego Morales is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wachovia Securities in 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Tess Morris is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Ann Troiano is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Morgan Stanley Smith Barney since 2011. Outside of her advisory role, she is involved in a family-run pet sitting business based in Fort Mill, South Carolina. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs and financial planning services supported by structured planning tools and investment modeling.

Terry Freeman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and was previously with LPL Financial from 2013 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, incorporates modern portfolio theory, and includes options for discretionary management as an ERISA fiduciary, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep programs.

Bradley Richardson is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Stifel Nicolaus & Co Inc in Charlotte, NC. He has been with Stifel since 2014. Outside of his advisory role, he serves as Chairman of the Charlotte Regional Transportation Planning Organization. Stifel provides brokerage and investment advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Robert Cogliati II is a financial advisor with LPL Financial, holding a Series 65 designation and four years of industry experience. He has worked at LPL Financial since 2026 and has over two decades of experience in accounting and financial planning through his roles at C & C Planning Services, Inc., R.P. Cogliati, CPA, PC, and Caminiti & Cogliati, CPAs, LLP. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various investment approaches.

Zachary Hayes is the Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity since 2016, initially serving as a Financial Consultant before his current appointment. Prior to joining Fidelity, Zachary worked as an Investment Consultant at TD Ameritrade from 2013 to 2016 and as a Financial Advisor at E Trade Capital Management from 2006 to 2013. Zachary specializes in educating and preparing clients for significant financial decisions by leveraging his education, experience, and the resources available through Fidelity. He possesses a comprehensive understanding of financial markets and investment products, enabling him to simplify complex financial concepts for his clients. His expertise spans various investment strategies, which he applies to assist clients with diverse financial situations. Outside of his professional work, Zachary engages in family activities and enjoys fishing, fitness, hiking, movies, and parenthood.

John Moravek is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Financial. He previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his financial advisory work, Moravek coaches fifth-grade basketball at St. Matthew Catholic School in Charlotte, NC. 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 portfolios, and institutional platforms, with a focus on integrating advanced tools for operational support.

Rachel Davis is a CFP® certificant with eight years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services. Her prior experience includes roles at NYLIFE Securities LLC, New York Life Insurance Company, and Movement Financial Group. Outside of her advisory role, she is an insurance broker with Simplicity Group. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also provides educational seminars and specialized planning programs.

Jeffrey Rao is a financial advisor at Fidelity with 26 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Strategic Advisers, Inc. and Fidelity Personal and Workplace Advisors prior to his current role. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary advisory services along with model portfolios built from a broad range of mutual funds, ETFs, and ETPs.

John Rizzo is a Series 66-licensed financial advisor with UBS Financial Services in Charlotte, NC, and has 18 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of services including fee-based financial planning, portfolio management, and capital markets solutions supported by proprietary research and market insights.