Christina Williams is a CFP® and holds a Series 66 license, with nine years of industry experience. She has worked at Wells Fargo Clearing Services since 2021 and Wells Fargo Bank since 2014. Outside of her advisory role, she co-owns a family vacation home LLC with her spouse and maintains a CPA license with the North Carolina Board of Certified Public Accountants. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment 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.

Fady Ibrahim is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2012. Outside of his advisory role, he is the owner of Rise Enterprise LLC. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Christian Lenahan is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and 16 years of industry experience. His career includes roles at JPMorgan Securities, JPMorgan Chase Bank, and Longbow Securities. 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 approach using proprietary models to create personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Ronald Ceccarini is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 66 and Series 63 designations and has been with Edward Jones since 2014. Based in Mooresville, NC, he serves clients through the firm’s extensive wealth management platform. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of approximately 23,700 financial advisors. The firm manages over $1 trillion in assets and provides discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment products.

Renee Wallace is a financial advisor at Wells Fargo Clearing with three years of industry experience and holds a Series 66 designation. She has previously worked at Fidelity Investments and has experience in various roles outside finance, including at Bridal Reflections and Rocco's Tacos & Tequila Bar. 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 grounded in modern portfolio theory. The firm’s approach includes an IPS-driven process and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Randy Cruz is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Fidelity Brokerage Service, USAA Financial Planning Services, and TIAA-CREF. 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 portfolios constructed largely from Vanguard funds and ETFs, supported by a large team of over 2,200 advisors.

Monica Luke is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She previously worked at Securities America, First Command Financial Services, and OSAIC. Outside of her advisory role, she serves as an adjunct professor at Queens University, the University of North Carolina at Charlotte, and The London School of Economics. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of financial planning, asset management, and retirement advice services to individuals, institutions, and plan participants through a large network of investment adviser representatives.

William Wilson IV is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and having four years of industry experience. He has worked at several firms, including The Vanguard Group and SECU subsidiaries. Vanguard Advisers offers 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 composed of Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large number of client relationships through a combination of automated platforms and advisor teams.

Donald Sutherland is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. 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 data.

Michael Mallette is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2017. Prior to that, he worked at Appalachian State University for four years. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and a team servicing model.

Banner Steele is a Series 66-licensed financial advisor at Vanguard Advisers with six years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2020. Prior to that, he held roles at Texas Tech University, FJY Financial, and First State Bank among others. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach and primarily invests in Vanguard funds and ETFs, offering a range of customization options alongside portfolio management for pooled vehicles.

John Morfesi is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He worked at Wells Fargo Clearing from 2016 to 2021 before joining Merrill in 2021. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jennifer Hulighan is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to her current role, she worked in educational settings, including positions at Sharon Presbyterian Weekday School and Charlotte Country Day School. Outside of finance, she is an independent travel consultant specializing in Disney-related travel through Academy Travel. 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 IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Adam Bloom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® designation and Series 63 and 66 licenses. He has 27 years of industry experience, including 26 years at Edward Jones. Bloom is president of ASB Endeavors, LLC, his personal operating entity, and serves as a board member of the Associate Reformed Presbyterian Church Board of Benefits, overseeing health insurance and pension plans. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and also offers specialized municipal advisory and SIMPLE IRA employer consulting services.

Peter Vandyk is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. His prior roles include positions at Waddell & Reed, Century Securities Associates, and Stifel Nicolaus. 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 databases.

Jason Bowers is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2023. His prior work experience includes roles in real estate and retail sectors. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs.

Dimitrios Nickols is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at The Vanguard Group, Inc. since 2016, including a period as self-employed from 2019 to 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm serves hundreds of thousands of clients through a digital platform supported by a large team of advisors.

Lakisha Ashford is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and two years of industry experience. Her prior work includes roles at TIAA and Wells Fargo, as well as experience outside the financial industry. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Brock Woessner is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and four years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2021. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages a large client base with a combination of proprietary technology and advisor support.

Cindi Williams is a financial advisor at Vanguard Advisers with 18 years of industry experience. She holds Series 66 and Series 63 credentials and has previously worked at TIAA-CREF Individual & Institutional Services and Morgan Stanley. 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.