Melissa Ray is a financial advisor with LPL Financial in Mount Pleasant, NC, holding a Series 66 designation and bringing 21 years of industry experience. She has worked at LPL Financial since 2018 and previously held roles at Mass Mutual Investors Services and MSI Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Anthony Bonvissuto is a financial advisor at Vanguard Advisers with three years of industry experience. He holds the Series 66 designation and has previously worked at Ally Invest Securities, LPL Financial, and Edward Jones among other firms. 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 largely constructed from Vanguard funds and ETFs, supported by a large team and digital delivery platform.

Ryan Austin is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation and one year of industry experience. His prior work includes roles at US Tech Solutions Inc and involvement with several organizations such as the YWCA and the University of North Carolina Charlotte Recreation Center. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Kyle Tomlin is a financial advisor with Vanguard Advisers based in Charlotte, NC. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to his current role, he worked as a coach at F45 South Park. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach, constructing portfolios primarily from Vanguard funds and ETFs with options for tax-aware features and customization.

Beverly Rosen is a financial advisor at Vanguard Advisers with a Series 65 credential and one year of industry experience. She previously worked at Ernst & Young US, LLP and several other firms before joining Vanguard. She also serves as a trustee for investment-related matters for immediate family members. 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 with portfolios primarily composed of Vanguard funds and ETFs, combining scale and digital delivery to manage a large client base effectively.

Martin Thornbrew is a CFP® professional with 16 years of industry experience. He is currently with Vanguard Advisers and has been affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2010. Thornbrew is based in Charlotte, NC. 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 employs a goal-based, algorithm-driven investment approach using proprietary models to set personalized asset allocations, constructing portfolios mainly from Vanguard funds and ETFs with various tax-aware and customization features.

Joseph Michalski is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2023. He previously worked at First Citizens Investor Services, Inc. and First Citizens Asset Management, where he also contributed as a financial consultant. Outside of his advisory role, Michalski serves as a board member for Big Brothers Big Sisters Cabarrus and works as a high school athletics referee. Wells Fargo Advisors is a national securities firm that provides 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, relying on Wells Fargo Investment Institute research and diversification principles to support its investment approach.

Kevin Rice Jr. is a financial advisor at Vanguard Advisers with one year of industry experience. He holds a Series 66 designation and has previously worked at Verizon Wireless, White Stag Realty, Liberty University, Central Piedmont Community College, the Social Security Administration, and served in the United States Navy. 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 using proprietary methodologies and offers portfolios constructed mainly from Vanguard funds and ETFs, with various customization options and tax-aware features.

John Fink is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at TIAA-CREF and National Gypsum Company. He also has experience outside finance, having worked on an independent film titled Eat Wheaties. 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 options. The firm’s IPS-driven approach incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Jonathan Crisp is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with one year of industry experience. His prior work includes roles at BTW Global, DuPont, and various self-employed positions. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm utilizes a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, emphasizing personalization, tax-aware features, and customization options.

Steven Harrison is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with The Vanguard Group and its related entities since 2002. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery model, managing a substantial client base through more than 2,200 advisors.

Katheryn Woodruff is a CFP® with 21 years of experience at Vanguard Advisers, where she has worked since 2005. She holds Series 63 and Series 65 licenses and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. She is based in Charlotte, NC. 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 constructed mainly from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital platform.

Michael Heinz is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 63 designation and has worked at Dexian and Bee Street Advisory Group prior to his current role. Outside of finance, he has held positions at various companies including Marco's Pizza and Amazon. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute and third-party sources.

Michael Carter is a financial advisor at Vanguard Advisers with one year of industry experience. He holds a Series 66 designation and has worked previously at Xerox and Canon Business Process Services. Outside of his advisory role, he is contracted with Uber, providing transportation services. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a goal-based, algorithm-driven investment approach. The firm combines automated platforms with human support to manage portfolios primarily composed of Vanguard funds and ETFs, offering customization options such as ESG preferences and tax-aware features.

Marion Nobles is a financial advisor at Fidelity with eight years of industry experience. They hold Series 63 and Series 66 credentials and have worked at firms including MML Investors Services, Mass Mutual Life Insurance, and Wells Fargo Clearing Services. Prior to their advisory roles, Nobles was employed by the University of Connecticut and its Veteran Affairs and Military Programs. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm integrates proprietary research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios through systematic methodologies and long-term asset allocation strategies.

Joshua Richardson is a financial advisor at Equitable Advisors with nine years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and McGriff Insurance Services. Richardson is based in Charlotte, NC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm relies on a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions.

Noah Spence is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 66 designation and has worked at multiple Vanguard entities since 2024. Prior to his finance career, he held several positions related to campus recreation and wellness at Western Carolina University. Vanguard Advisers provides automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach to asset allocation and portfolio construction.

Hseng Hsiang is a CFP® professional with 22 years of industry experience currently serving at Edward Jones since 2022. Prior to this, Hsiang worked at TIAA CREF Individual & Institutional Services LLC for eight years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andrew Flaskerud is a financial advisor at Wells Fargo Advisors in Charlotte, NC, holding a Series 66 designation with 11 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he owns and operates a small business focused on building furniture. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients with a broad range of investment and financial planning services. The firm offers tailored recommendations supported by proprietary research and planning tools, with clients able to choose how to implement those recommendations.

Hector Lopez is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Merrill and Citigroup Global Markets. He is also the owner and content creator of a YouTube and Rumble channel focused on entertainment. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, offering tailored recommendations supported by Wells Fargo research and planning tools.