Luke Schultz is Vice President and Financial Consultant at Fidelity Investments. He began his career at Fidelity in 2012, progressing through roles including Trader, Premium Relationship Associate, Investment Solutions Representative, Retirement Solutions Representative, Retirement Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2022. Drawing on his professional start in the United States Marine Corps, Schultz applies discipline and attention to detail in his work. He follows a three-step process focused on understanding client situations and priorities, analyzing these situations, and partnering with clients to develop and maintain personalized financial strategies. Outside of his professional responsibilities, Schultz has interests in board games, fitness, hiking, outdoor adventures, military service, and parenthood.

Herbert Tanner is a financial advisor with OSAIC, holding the CFP® designation and Series 63 and 65 licenses. He has 42 years of industry experience, including prior roles at INVEST Financial Corp. and founding Hand & Tanner Financial Group Inc. He has served in leadership positions in community organizations such as the Beaufort Water Festival and holds board roles in religious and civic groups. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools and supports a range of investment options, including managed accounts and third-party money manager programs.

Ryan Salisbury is a financial advisor at Fidelity with one year of industry experience. He holds a Series 66 designation and has worked at several firms, including Adirondack Trust Company and Saratoga National. Outside of his advisory role, he is involved in a boat rental business based in Hilton Head Island, where he assists with various operational tasks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios and offer advisory solutions.

Libby Norris is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. In this position, she focuses on building deep relationships with clients to understand their unique financial goals and preferences. She employs a collaborative and educational approach to guide clients and their families in developing financial plans aimed at providing peace of mind. Prior to joining Fidelity Investments, Libby worked at Vanguard from 2017 to 2023, where she held several roles including Retail Sales Manager, Senior Sales Consultant, Sales Consultant, and Brokerage Investment Professional. This extensive experience has contributed to her expertise in wealth planning and client relationship management. Outside of her professional career, Libby has interests in cooking and baking, fitness, reading, and volunteering.

Elizabeth Cutshall is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2010 to 2016. Outside of advising, she is a notary public in South Carolina. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial product options, such as insurance-related vehicles and bank deposit sweeps.

Ellen Leboeuf is a Series 66-licensed financial advisor with 22 years of industry experience. She is currently with LPL Financial, where she has worked since 2026, following a 17-year tenure at UBS Financial Services Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Mark Womack is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market modeling techniques.

Matthew Hunt is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet certain asset thresholds, delivering tailored recommendation reports that incorporate research, modeling, and tax-efficiency strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Michael Vulku is a CFP® professional with 32 years of industry experience, currently serving as an advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2009 to 2020. Vulku holds Series 63 and Series 65 licenses and is based in Hilton Head Island, South Carolina. Ameriprise provides retirement-income planning services aimed at individuals with substantial investable assets, offering tailored Recommendation Reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Cassandra Holland is a Financial Consultant at Fidelity Investments. She has been with Fidelity since 2017, progressing through roles including Customer Relations Advocate, Active Trader Specialist, Active Trader VIP Specialist, Brokerage Consultant, and currently serving as Financial Consultant since 2024. With nearly a decade of experience in the financial industry and almost two decades of military service, Cassandra applies a disciplined and thoughtful approach to financial planning. She is a CERTIFIED FINANCIAL PLANNER® professional and holds a California Insurance License. Outside of her professional work, Cassandra has personal interests that include beach activities, fitness, outdoor adventures, parenthood, pets, and traveling.

Amy Amico is a financial advisor with Merrill who holds Series 63 and Series 65 licenses and has 36 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2018 and previously at Santander Securities, LLC from 2012 to 2018. Merrill, along 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 designed for individual, high-net-worth, pension, corporate, and charitable clients.

Melissa Messenger is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Fidelity Brokerage Services LLC since 2017, including roles with Fidelity Personal and Workplace Advisors. Prior to joining Fidelity, she was with AXA Advisors, LLC for one year. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

James Stark is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2025. In this role, he collaborates with clients to develop personalized investment strategies aimed at achieving their financial goals. He works alongside clients to identify obstacles, evaluate available strategies, and implement plans in pursuit of financial freedom. Prior to his current position, Stark held several roles at Fidelity Investments, including Planning Consultant (2024-2025), Relationship Manager (2023-2024), High Net Worth Service Associate (2023), and Customer Relationship Advocate (2022-2023). These positions reflect his progressive experience in financial services and client relationship management. Outside of his professional work, Stark has interests in football, golf, soccer, and tennis.

Doree Cook is a financial advisor at Thrivent Investment Management with 10 years of industry experience. She holds a Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning and supports combining planning with managed accounts while keeping services separate, focusing exclusively on personalized planning rather than institutional portfolio management.

John Chase is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as the personal representative for his father's estate. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Douglas Grant is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He previously worked at MetLife Securities Inc. for 10 years before joining Mass Mutual in 2016. In addition to his advisory role, he is an insurance broker with DSG Insurance Services, Inc., focusing on disability, health, and dental insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client analysis and firm-approved tools to deliver tailored financial recommendations through ongoing collaborative relationships.

David Callahan is a financial advisor with Wells Fargo Advisors in Hilton Head, SC, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Callahan is also associated with Callahan Financial Management Group LLC, an investment-related business. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, with planning engagements typically being discrete and customizable to client needs.

Richard Fister Jr. is a financial advisor at Morgan Stanley with 46 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at UBS Financial Services for 25 years. He serves on the finance committee of the nonprofit Mother of Good Counsel Home in St. Louis, Missouri. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery and approved tools but does not include individual security recommendations as part of standalone plans.

Kimberly Keyserling is a Series 66-credentialed financial advisor with Merrill, based in Beaufort, SC, and has 10 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she serves as Committee Chair for a local Boy Scout troop and is a member of the Board of Trustees at Carteret Street United Methodist Church. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

David Benedict is a financial advisor at LPL Financial with 43 years of industry experience. He holds the ChFC® and Series 63 designations and has previously worked at Cadaret, Grant & Co., Inc. and MassMutual Financial Group. In addition to his advisory role, he is involved with KAFL Insurance Resources in a non-variable insurance capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management strategies supported by in-house and third-party research.