Trent Chabot is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior work includes positions at Lowe's Foods, Harris Teeter, and Winthrop University before joining The Vanguard Group in 2017. 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 create personalized asset allocations, primarily utilizing Vanguard funds and ETFs with various tax-aware and customization features.

Robert Renegar is a financial advisor at Vanguard Advisers in Charlotte, NC, with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with The Vanguard Group, Inc. since 2016. Vanguard Advisers offers both 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 and manages portfolios primarily using Vanguard funds and ETFs, emphasizing tax-aware features and customizable investment options.

Scott Shepherd is a financial advisor with Osaic Wealth, Inc. based in Huntersville, NC, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. Prior to joining Osaic in 2023, he worked for Fsc Securities Corporation for 31 years. Shepherd is also licensed as an insurance agent, selling fixed annuities and fixed life insurance products. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools and various investment products, along with third-party managed account solutions and retirement plan consulting.

Tyrone Ward Jr. is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and four years of industry experience. He has been with Vanguard Advisers since 2025 and concurrently associated with Vanguard Marketing Corporation and The Vanguard Group since 2021. Outside of his advisory work, he also works as a contracted delivery driver. 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 investment approach using proprietary models to create personalized asset allocations, managing large-scale client relationships primarily through digital platforms and human advisor support.

Mario Rudolph is a financial advisor with Vanguard Advisers, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at TIAA-CREF and LPL Financial. He is currently based in Charlotte, NC. Vanguard Advisers delivers 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 personalize asset allocations primarily through Vanguard funds and ETFs.

Faith Hurrinus is a financial advisor at Vanguard Advisers with Series 66 and Series 63 credentials and three years of industry experience. Prior to joining Vanguard Advisers, she held roles at Vanguard Marketing Corporation and The Vanguard Group, Inc. She has also been involved with Jarek Auto Sales, LLC and worked at the University of North Carolina at Charlotte. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily composed of Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital platform and team servicing model.

Ryan Marsh is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and 24 years of industry experience. His prior roles include positions at Principal Life Insurance Company and Mass Mutual Investors Services. Marsh also holds a fixed insurance agent role involving life, annuities, disability, long-term care, health, and group insurance products. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models and offers portfolios primarily composed of Vanguard funds and ETFs with various customization options.

Richard Carden is a CFP® with three years of industry experience, currently serving as a financial advisor at Vanguard Advisers. He has held positions at several firms including Greenleaf Trust and Empower Retirement. In addition to his advisory role, he teaches business principles, leadership, and professional development at Central Piedmont Community College. Vanguard Advisers offers both 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 create personalized portfolios primarily constructed from Vanguard funds and ETFs.

Richard Bibeau is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and three years of industry experience. Prior to joining Vanguard Advisers, he worked at Vanguard Marketing Corporation and The Vanguard Group, Inc., as well as H&M Hennes & Mauritz. 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 utilizing proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Dwayne Wright is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2015. He holds the Series 63 designation and is based in Charlotte, NC. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach. The firm manages large-scale client relationships using proprietary models and primarily invests in Vanguard funds and ETFs with tax-aware and customizable portfolio features.

Darcy Ridge is a financial advisor with Robert Baird & Co. in Davidson, NC, holding Series 65 and Series 63 licenses and having three years of industry experience. Prior to joining Baird in 2025, Ridge worked at Mass Mutual Investors Services, Hornor, Townsend & Kent, The Penn Mutual Life Insurance Company, and Vineyard Wealth LLC. Outside of advisory work, Ridge teaches a weekly 45-minute cycle class at the YMCA of Greater Charlotte and has been a Rodan & Fields consultant since 2014. Ridge is part of The DDK Group within Baird’s Private Wealth Management department, which serves individual, corporate, pension, and charitable clients through a variety of financial planning and investment management services. Baird employs a combination of SMA strategies, overlay management, tax management, and manager monitoring supported by internal research and technology, managing approximately $394 billion in regulatory assets as of December 31, 2025.

Samuel Moore is a financial advisor at Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses with five years of industry experience. His prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, Inc., and Techtronic Industries Power Equipment. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans through its digital and personal advisor services. The firm uses a goal-based, algorithm-driven investment approach with portfolios primarily constructed from Vanguard funds and ETFs, offering a range of customization options and tax-aware strategies.

Amalie Packard is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and four years of industry experience. She has worked at various roles within The Vanguard Group and its affiliates since 2022 and has prior experience in both private wealth and recreational department positions. 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 manages a large number of client relationships through its digital platform and team servicing model.

Jared Mullis is a financial advisor at Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 designations with four years of industry experience. His career includes roles at The Vanguard Group since 2022, as well as prior experience with Sealing Agents and NerdsToGo. Vanguard Advisers provides both automated and human-supported investment advice, serving retail investors and participants in employer-sponsored retirement plans through digital and personalized services. The firm’s investment approach is goal-based and algorithm-driven, utilizing Vanguard funds and ETFs with options for tax-aware strategies and portfolio customization.

Brian Fay is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. He has been affiliated with The Vanguard Group and Vanguard Marketing Corporation since 1999. Based in Charlotte, NC, Fay holds Series 63 and Series 65 licenses. Vanguard Advisers provides investment advice through both automated and human-supported services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs.

Matthew Ciaglia is a CFP® with 16 years of experience in the financial industry. He is currently with Vanguard Advisers, where he has worked since 2021. His prior experience includes roles at Looking Forward Financial LLC, P.J. Robb Variable Corp., and BB&T / Crump Life Insurance Services. Vanguard Advisers provides 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 and manages portfolios constructed mainly from Vanguard funds and ETFs.

Quinston Little is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at TIAA-CREF Individual & Institutional Services and Wells Fargo Advisors. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Robert Keller is a Wealth Management Advisor and partner in the Utz Keller Wealth Management Group based in Huntersville, NC, operating within Merrill Lynch Wealth Management. He provides personalized wealth management strategies tailored to entrepreneurs, executives, retirees, business owners, and their families. Robert leverages resources from Merrill and Bank of America to deliver custom financial plans that reflect clients' unique needs and goals. Robert holds a Master’s degree and a Bachelor’s degree from East Carolina University. He earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His expertise spans corporate executive services, divorce transition planning, executive and equity compensation, family wealth management, retirement planning, tax minimization, and small business strategies. Active in his community, Robert volunteers with the American Legion. Outside of work, he enjoys adventure sports, baseball, basketball, biking, billiards, football, golfing, scuba diving, skiing, and spending time with his family.

Olivia Kennedy is a Financial Advisor with the Utz Keller Wealth Management Group at Merrill Lynch Wealth Management. She supports clients in navigating complex financial decisions with clarity and transparency, offering expertise in areas such as equity compensation services, family wealth management strategies, legacy planning, retirement income, portfolio management, tax minimization, and personal retirement planning. Olivia's approach involves comprehensive wealth management planning tailored to clients' goals and priorities. Olivia began her career in the financial services industry at Merrill in 2020. She holds a Bachelor of Science in Business Economics from the Farmer School of Business at Miami University of Ohio. She has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her work is guided by a philosophy centered on understanding what matters most to clients to add value to their lives. Outside of her professional role, Olivia is involved in her community through leadership positions with Folds of Honor Western Carolina and the Rotary Club of North Mecklenburg County. She also participates in the Lake Norman Young Professionals Group. Olivia resides in Mount Ulla with her husband, Mack, where they enjoy outdoor activities such as hiking and spending time on Lake Norman, as well as caring for their farm.

Keith Patrignani is a financial advisor with Vanguard Advisers based in Charlotte, NC, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with The Vanguard Group, Inc. since 2011. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages large-scale client relationships through its digital platform combined with advisory services.