Charles Thomas is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation with seven years of industry experience. He previously worked at Edward Jones from 2016 to 2019 and also has experience at Central Piedmont Community College. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through a large network of advisors.

Brandon Badik is a financial advisor at Vanguard Advisers in Charlotte, NC, holding a Series 66 designation. He has one year of industry experience, having worked at various Vanguard entities since 2025. His prior work includes roles outside the financial industry and at academic institutions. 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 approach and manages portfolios primarily composed of Vanguard funds and ETFs, emphasizing scale and digital delivery through a large advisory team.

Alejandro Navarro is a financial advisor with Vanguard Advisers, holding a Series 66 designation and bringing 12 years of industry experience. His prior work includes roles at Merrill and Bank of America, N.A. He is based in Charlotte, NC. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer‑sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios primarily using Vanguard funds and ETFs, providing both scalable digital delivery and personalized customization options.

William Hayes III is a CFP® professional with 26 years of industry experience, currently serving at Vanguard Advisers since 1999. He holds the Series 63 designation and is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with personalized asset allocations, primarily employing Vanguard funds and ETFs, and supports a large client base through a combination of digital platforms and advisor teams.

Keith Sojak is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 designations and 18 years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2011 and joined Vanguard Advisers in 2026. Vanguard Advisers delivers 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 employs a goal-based, algorithm-driven investment approach, using proprietary models to create personalized portfolios mainly composed of Vanguard funds and ETFs.

John Kershner is a financial advisor at Fidelity with 17 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior roles at LindenThomas Company, Grow Local, and Wells Fargo Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage multi-manager and fund-of-funds structures and model portfolios.

David Crosland IV is a Series 66-registered financial advisor with Morgan Stanley, based in Cornelius, NC. He has five years of industry experience, having worked at Bank of America from 2015 to 2020 before joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Sarah Fremin is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2018. Outside of her advisory role, she works part-time as an office assistant at Sheri L Major CPA, Inc. 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 approach with portfolios primarily composed of Vanguard funds and ETFs, offering various customization options and tax-aware features.

Michael Sansone is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC. He has been with The Vanguard Group, Inc. since 2013. 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 that uses proprietary methodologies and mainly Vanguard funds and ETFs to construct personalized portfolios.

Michael Crawford is a financial advisor at Vanguard Advisers with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked in multiple roles within Vanguard and its affiliates since 2024. Prior to joining Vanguard, he was employed at the University of South Carolina and has also worked in non-financial roles including positions at Blue Ocean Fish Market and Crystal Coast Landscapes. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to construct portfolios primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware strategies.

Bryan Sherrill is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advising, he serves as Treasurer and Deacon at Diamond Hill Baptist Church and teaches at Rowan-Cabarrus Community College. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs in municipal finance and SIMPLE IRA employer consulting.

Jonathan Malcolm is a financial advisor with Raymond James Financial, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Raymond James, he held roles at firms including Daly Seven, Inc. and Vincent Valuations, and was involved with the YMCA of the Triangle. He is also associated with Elmore Financial Group, Inc., a support company based in Denver, NC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals through risk profiling and analytical tools, supporting a large network of advisors and affiliated firms.

Brooke Schneider is a financial advisor with Vanguard Advisers, holding a Series 66 credential and based in Charlotte, NC. She has been with Vanguard since 2025 and has experience in various roles including self-employment and positions related to education and entrepreneurial leadership. 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 approach with portfolios mainly composed of Vanguard funds and ETFs, emphasizing scale and digital delivery in its client services.

Matthew Fleming is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2014. He has been associated with The Vanguard Group and its related entities since 2006. Fleming is based in Charlotte, NC. Vanguard Advisers offers 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 methodologies and primarily invests in Vanguard funds and ETFs, combining scale with digital delivery to manage a large client base.

Keith Smithers is a financial advisor at Morgan Stanley with 40 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves as a board member of Patrick's Purchase POA, a community organization. Morgan Stanley Wealth Management provides a wide array of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct individual plans and corporate financial planning agreements.

Ian Penny is a financial advisor at Wells Fargo Advisors with eight years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing Services LLC since 2018. Prior to his career in financial services, he worked in event management and academic support roles at Guilford College. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting a net-worth threshold, utilizing proprietary research and planning tools to develop recommendations delivered through discrete planning engagements.

Vachel Pennebaker is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and having three years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., and Florida Financial Advisors, along with several positions outside the financial industry. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm integrates an ESG eligibility framework into its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Andrew Howard is a CFP® professional with 15 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, he also owns and manages a rental property in Stanley, NC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee solutions, separately managed accounts, and affiliated mutual funds, with approximately $1.01 trillion in assets under management supported by a nationwide network of over 23,700 financial advisors.

Christopher Richard is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2012. He has been associated with The Vanguard Group and its related entities since 2007. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages a large client base through its digital platform combined with a team servicing model.

John Howard is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and eight years of industry experience. His prior work includes roles at The Vanguard Group, Vanguard Marketing Corporation, and Coca-Cola Bottling Company Consolidated. 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 approach using proprietary models to set personalized asset allocations, primarily utilizing Vanguard funds and ETFs.