Kevin Butler is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses and is based in Woodland Hills, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes firm-approved tools and models to support structured planning conversations.

Tanner Howell is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 credential and with one year of industry experience. His prior roles include positions at Equitable Advisors, LLC and Bank of America, N.A. He has also worked in several non-financial roles, including at Sullivans Steakhouse and Extreme Ski. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joy Kenefick is a Series 66 licensed financial advisor with Wells Fargo Clearing in Charlotte, NC, where she has worked since 2016. She has 28 years of experience in the industry. Kenefick serves as a board member of the Greater Charlotte Cultural Trust, beginning in 2024. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Algeria Johnson is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with one year of industry experience. Prior to joining Vanguard Advisers, she held positions at Fidelity Investments, MetLife, and Amazon among other companies. 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 employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios primarily from Vanguard funds and ETFs with various customization and tax-aware features.

James Ball is a financial advisor at OSAIC with 24 years of industry experience. He holds a Series 66 designation and has worked at firms including Securities America Advisors and Woodbury Financial Services. He also serves as Executive Vice President and Compliance Director at GCG Wealth Management, where he manages compliance and operations. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform with an investment approach centered on model-based asset allocation and portfolio optimization.

Linda Reeves is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Merrill since 2020, following 23 years at TIAA. Reeves is a director of the Annie T. Doe Memorial Foundation, a charitable organization focused on education, health services, and women’s empowerment in Liberia, West Africa, and she serves on the Women’s Impact Initiative Network committee of the Association of African American Financial Advisors. 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, and institutions.

Ousman Bojang is a financial advisor at Vanguard Advisers with Series 65 and Series 66 credentials and two years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Asbury Automotive Group, E*Trade from Morgan Stanley, and Amazon. 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 investment approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Justin Litzenberger is a Financial Advisor with Merrill Lynch Wealth Management serving individuals and families in Charlotte, NC, and surrounding areas. He specializes in personal retirement planning, tax minimization, and retirement income strategies. Justin works closely with his clients to design goals-based financial approaches that help them reach their specific financial objectives. He holds a Bachelor's Degree from Clemson University and has earned the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Justin applies his expertise in wealth management, investment planning, and retirement strategies to support his clients' financial goals. Outside of work, Justin enjoys cooking, golfing, and hiking. He values building meaningful relationships and making the most of opportunities for learning and growth.

Colleen Mc Cauley is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Her previous work includes roles at Jones Lang LaSalle, Feedonomics, and Amazon, as well as academic experience at Texas A&M University. 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 and profit-sharing plans, corporations, and charitable organizations.

Alexandru Jucu is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo affiliates since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions with research-driven investment approaches.

William Merritt III is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at Bank of America Merrill Lynch and Fifth Third Securities. He also worked briefly in education at Concord High School and in technology at Digital Intelligence Systems. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 vehicles and bank deposit sweep options among its investment offerings.

Karly Krueger is a financial advisor at Merrill based in Charlotte, NC. She holds a Series 66 credential and has one year of experience in the industry. Prior to joining Merrill and Bank of America, she held various roles across multiple industries including technology and retail. 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, and institutional investors.

Delvin Joyce is a CFP® and ChFC® with 20 years of experience in financial services. He currently works with LPL Enterprise and has a long tenure with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he is an ESPN broadcaster for college football games and hosts a related podcast. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s research team and third-party strategists, and it offers access to financial planning, asset management, and affiliated insurance and trust services.

William Murray is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 designations and with 19 years of industry experience. He previously worked at Wells Fargo Clearing for six years and has operated a bicycle repair and sales business, Bike Source, since 2003. 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 both model-based and discretionary investment strategies for a range of individuals and institutional clients.

Chadwick Carlson is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 17 years of experience in helping clients navigate their financial goals through personalized guidance. He specializes in a range of areas including college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Chadwick holds a Bachelor's Degree from Lafayette College and the Personal Investment Advisor (PIA) designation. Throughout his career, he has supported individuals and families in building, managing, and protecting their wealth across various life stages and market conditions, emphasizing trust and long-term relationships. His approach focuses on connecting all aspects of a client’s financial life to prioritize and pursue the goals that matter most to them. Outside of work, Chadwick lives on a ranch in Olin, North Carolina, where he values the balance of hard work and quiet country life. He enjoys fishing, golfing, horseback riding, skiing, volleyball, and spending time with his family, which remains central to his personal and professional life. His background as a college football player contributes to his disciplined and persevering approach in financial advising.

Marelle Sylvester is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Merrill, LPL Financial, and Randstad. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Douglas Morra II is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. His prior experience includes positions at Bank of America and Northwestern Mutual, as well as roles outside finance such as with The Pool Guys. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Johnathan Lowery is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 17 years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Securities Corporation for 17 years and has been associated with Wealth Financial Planners since 2007. Outside of his advisory role, Lowery is an insurance agent offering a range of products including accident, disability, long-term care, and life insurance. OSAIC serves a diverse client base comprising retail and institutional investors, providing a variety of brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, and it is notable for its scale, affiliate network, and recent consolidation activity.

Anthony Scafide is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and five years of industry experience. His prior work includes roles at James Barrett Wilson & Associates and Wake Forest University. Outside of his advisory work, he is the owner of Expecta Dominum LLC, a rental property business. Vanguard Advisers provides automated and human-supported investment advice for retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to create personalized portfolios, primarily composed of Vanguard funds and ETFs, serving a large client base through digital delivery and a high client-to-advisor ratio.

Ariana Larriviere is a financial advisor at Fidelity with six years of industry experience and a Series 66 designation. Her work history includes roles at Fidelity Investments and Raymond James and Associates. Prior to her finance career, she worked in a psychiatric office and spent several years at Florida Atlantic University. She is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and provides oversight of affiliated and unaffiliated sub-advisers.