Allen Losey is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2008. He was also involved with Math Smart, Inc. from 2005 to 2020. 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 to create personalized portfolios mainly composed of Vanguard funds and ETFs, supporting a large client base through its digital platform and advisory teams.

Damion Carufe is a financial advisor with Morgan Stanley in Mooresville, NC, holding Series 63 and Series 65 registrations and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, and prior experience at J.P. Morgan Chase Bank, N.A. and J.P. Morgan Securities from 2008 to 2020. He also serves as a trustee in a trust-related role. Morgan Stanley Wealth Management offers a broad range of advisory programs for individual and institutional clients, providing tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Jason Satterwhite is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with The Vanguard Group since 2000 and operated a photography and videography business from 2015 to 2020. 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. The firm manages a large client base through a digital platform and offers customized portfolios built primarily from Vanguard funds and ETFs.

Jason Osborne is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with Vanguard Advisers since 2018 and has worked in various roles within The Vanguard Group and its affiliates since 2007. Outside of his advisory work, he is involved in rental property investment as a landlord. 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 using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Marques Merriweather is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and one year of industry experience. His prior work includes roles at Equitable Advisors, LLC and various positions in both corporate and educational settings. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach featuring proprietary asset allocation models and primarily invests through Vanguard funds and ETFs.

Andrew Koro is a financial advisor with Merrill and holds a Series 66 designation. He has one year of industry experience, having previously worked at Bankers Life and held various roles in retail and service industries. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ruchir Saini is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation. He began his professional career in 2024, including a role at New York Life Insurance Company before joining Wells Fargo Clearing and DYSIS in 2025. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Kara Connolly is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 licenses and four years of industry experience. She has worked at The Vanguard Group since 2022 and previously held roles at Charles Schwab and in other sectors including senior living and hospitality. Vanguard Advisers offers 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 investment approach with portfolios constructed mainly from Vanguard funds and ETFs, combining digital delivery with a large advisory team.

Matthew Leonard is a financial advisor at Cambridge Investment Research Advisors with six years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at VisionQuest Advisors, LLC, and operates Leonard & Associates, CPA PLLC, where he has been active since 2013. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing both proprietary and third-party strategies tailored to client objectives.

Anwesha Basu is a CFP® and Series 63–licensed financial advisor with 20 years of industry experience. She has been with Vanguard Advisers since 2019 and concurrently holds roles within The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2010. 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, constructing portfolios primarily from Vanguard funds and ETFs while offering a range of customization options and tax-aware features.

Jonathan Britt is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 credential and nine years of industry experience. He has worked with several firms including Fidelity Investments, Fisher Investments, and Edward Jones. Outside of his advisory role, he owns an e-commerce business called RetroMage LLC. Vanguard Advisers delivers both automated and human-supported investment advice primarily to 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.

Patrick Thompson is a financial advisor at Merrill in Charlotte, NC, with one year of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Merrill and Bank of America, N.A., he worked in various roles including independent insurance agent and positions at The Leaders Group Inc and Passerelle Partners. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tristan Proctor is a financial advisor at Vanguard Advisers with a Series 66 credential. He has been with Vanguard and its affiliated entities since 2025. Prior to his financial services career, his work experience includes roles in education and the retail and food service industries. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios mainly using Vanguard funds and ETFs, with a focus on scalable digital delivery supported by a large advisory team.

Charles Hoffecker is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Merrill Lynch and Bank of America. Outside of his advisory work, he operates an e-commerce business specializing in sports trading cards. Vanguard Advisers provides automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with various tax-aware and customization features.

Margaret Bradley is a financial advisor at Vanguard Advisers with 22 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Vanguard-affiliated firms since 2004. Her current role at Vanguard Advisers began in 2020. Vanguard Advisers offers both 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 uses a goal-based, algorithm-driven investment approach featuring proprietary methodologies and customizable portfolios constructed mainly from Vanguard funds and ETFs.

Matthew Dougherty is a financial advisor with Vanguard Advisers, holding a Series 66 designation and two years of industry experience. He has worked at multiple Vanguard affiliates since 2024 and has prior experience at Randstad and Farther Finance, among other organizations. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options.

Joanne Mitchell is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding a Series 66 designation and 22 years of industry experience. She has worked with Wells Fargo Advisors since 2011, with a brief tenure at LPL Financial from 2017 to 2018. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with flexible implementation options through brokerage or advisory programs.

Brett Moore is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Vanguard Marketing Corporation, The Vanguard Group, Inc., and PNC Financial Services Group. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supported by a high client-to-advisor ratio due to its scale and digital delivery model.

Jake Cheatham is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at Digital Intelligence Systems, T3 Trading Group, and several educational institutions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, using an IPS-driven process grounded in modern portfolio theory. The firm offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, and participant education.

Raymond Mones is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.