Thomas Qualls is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. His prior work includes roles at Smurfit Westrock, State Farm, and Americap, as well as various positions connected to educational and recreational organizations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with pre-existing relationships through TIAA-administered employer retirement plans, as well as trusts, estates, and other entities. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary portfolio management.

Thomas Owens III is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 designation and 19 years of industry experience. He has been with First Citizens Bank and First Citizens Investor Services since 2011. Owens serves as an officer and director and is a member of the Finance Committee at Deerfield Episcopal Retirement Community, a nonprofit organization. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses fundamental, quantitative, and technical analysis to manage portfolios including equities, fixed income, mutual funds, and ETFs, offering a range of solutions such as model portfolios, wrap programs, and tax-aware services.

Katherine Mazzucco is a financial advisor at TIAA-CREF with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked in various capacities at TIAA and Alight Financial Advisors. Her background also includes roles at Branch Banking & Trust Company and the University of North Carolina at Charlotte. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals linked to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides a range of service models including plan delivery and ongoing portfolio management with customized investment options and operates within a vertically integrated structure that includes affiliated funds.

Andrew Bain is a financial advisor at TIAA-CREF with 27 years of industry experience. He has been with TIAA-CREF since 2005 and holds Series 63 and Series 65 licenses. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers point-in-time planning services alongside ongoing portfolio management, using both model and customized portfolios, and serves as adviser to a donor-advised fund within a vertically integrated investment structure.

Tonya Guffey is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fifth Third Securities since 2022, as well as at Fifth Third Bank since 2018. Prior to that, she was employed at PNC Bank from 2015 to 2018. Fifth Third Securities, Inc. provides brokerage and investment advisory services to individuals, charitable organizations, corporate clients, and institutional investors through its Passageway Managed Account Program. The firm offers multiple discretionary managed-account options and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Michelle Kuzma Kempf is a financial advisor with Hightower Advisors in Charlotte, NC, holding a Series 66 designation and 20 years of industry experience. She has been with Hightower Advisors and its affiliated broker-dealer since 2011. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering multi-manager solutions that include affiliated and third-party managers, discretionary and non-discretionary portfolio management, and access to pooled and private investment vehicles.

Christine Dixon is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management, applying a fiduciary standard across its services.

Nicholas Chambers is a financial advisor at TIAA-CREF in Charlotte, NC, holding a Series 66 designation with one year of industry experience. His prior work experience includes roles at Bankers Life, Modern Woodman Fraternal Financial, and Fastenal, among others. Outside of financial services, he was involved with Macs Speed Shop. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm’s advisory approach includes distinct planning services and ongoing discretionary management, utilizing model and customized portfolios within a fiduciary framework.

Matthew Johnson is a financial advisor with Truist Advisory Services in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. He has worked at BB&T Securities, LLC since 2019 and has been with SunTrust Advisory Services, SunTrust Investment Services, and SunTrust Bank since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary management strategies. The firm integrates inter-affiliate resources and employs AI-enabled tools through its Equity Research team to support manager selection and investment oversight.

Kristina Wicks is a financial advisor at TIAA-CREF with four years of industry experience. She holds a Series 66 designation and has worked at TIAA-CREF since 2021. Prior to her current role, she was employed at Rochester Institute of Technology and Binghamton Country Club. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm provides both point-in-time financial planning and ongoing portfolio management, applying a fiduciary standard across its RIA services.

Greg Warren is a financial advisor with PNC Wealth Management in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior roles include positions at Alight Financial Solutions, Aon Hewitt Financial Advisors, and Hewitt Financial Services. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees that uses algorithmic questionnaires to recommend risk levels and implements investments via approved strategies using mutual funds and ETFs.

Colin Archbold is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation. He has professional experience at Clyne Eagan & Associates and MassMutual NJ NYC, as well as background in education at the University of Tennessee Knoxville and Watchung Hills Regional High School. Outside of his advisory work, he has an eight-year association with Echo Lake Country Club. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing portfolio management, operating under a fiduciary standard with a focus on customized investment solutions.

Brandon Younger is a financial advisor with TIAA-CREF, holding a Series 66 designation and 11 years of industry experience. His prior roles include positions at UBS Financial Services Inc. and Edward Jones. He is based in Charlotte, NC. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing TIAA retirement plan relationships, as well as trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, including customized portfolios managed under client-approved investment policies.

Scott Lautz is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has been with TIAA and its affiliates since 2011. TIAA-CREF Individual & Institutional Services offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning services and ongoing discretionary portfolio management through model and customized portfolios.

Matthew Savloff is a financial advisor with Wells Fargo Investment Institute, Inc. He holds a Series 65 designation and has one year of industry experience. His prior roles include positions at Wells Fargo, J.P. Morgan Chase, and the U.S. Department of Homeland Security. Wells Fargo Investment Institute is an SEC-registered, bank-affiliate advisory and research organization that provides investment research, manager due diligence, and model portfolios primarily to Wells Fargo wealth and fiduciary businesses. Its advice is generally non-discretionary and focused on impersonal guidance delivered to affiliated entities for implementation.

Gina Lowery is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 designations and 18 years of industry experience. She has been with TIAA since 2013, including her role at TIAA CREF Individual & Institutional Services, LLC. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing retirement plan relationships. The firm offers both point-in-time planning services and ongoing portfolio management, operating within a vertically integrated group that includes advisory services for a donor-advised fund.

Benjamin Laubach is a financial advisor at Mercer Global Advisors Inc. with a Series 65 designation and experience in both advisory and other business roles, including work with Tastful Occasions and Phantom Fireworks. He began his industry career in 2025 and is based in Charlotte, NC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach centers on Modern Portfolio Theory, using diversified portfolios and various investment vehicles supported by comprehensive client education and specialized service lines.

Austin Lewis is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC in Charlotte, NC. His prior roles include positions at AssetMark Brokerage, LLC and The Vanguard Group, Inc. Outside of advising, he is a managing partner and co-founder of SouthPark Family Tax, LLC, a seasonal income tax preparation firm. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets, employing a diversified investment process that blends passive and active strategies overseen by an internal Investment Committee.

Michael George is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with TIAA-CREF since 2012. Outside of his advisory role, he serves as a Logistics Journeyman in the United States Air Force Air National Guard, supporting deployment operations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm offers both model-based and customized portfolio management under a fiduciary standard within a vertically integrated structure that includes affiliated funds.

Jerry Carpenter Jr. is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He is the owner and president of Carpenter Group Inc/DBA CGI Benefits, specializing in group health and dental benefits since 1987. Outside his advisory work, he manages a family-owned Loblolly pine timber farm and participates in a local investment club. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individual investors, retirement plans, charitable organizations, and corporate clients through a network of Investment Adviser Representatives. The firm offers a variety of managed account programs and fee-based management of variable annuity and variable universal life subaccounts, supported by multiple custodial platforms and third-party tools.