Michael Klenck is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 32 years of industry experience. His prior work includes roles at VOYA Financial Advisors and Retirement Income Advisors, Inc. He also operates REH Wealth, a financial services business, and works as an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform supporting various investment strategies and program structures.

Shelden Flowers is a Series 66-credentialed financial advisor with three years of industry experience, currently with Edward Jones in Harrisburg, NC. His prior work includes roles at New York Life Securities and various positions in the automotive sector. Outside of financial advising, he is the founder and CEO of MagnaMat Magnetic Rug Locks, an Amazon-based product business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs and affiliated financial services. The firm manages over $1 trillion in assets and operates through a large network of advisors and branch offices nationwide.

James Fill is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies tailored to their individual goals, focusing on a collaborative approach that considers each client's full financial picture, risk tolerance, liquidity needs, and long-term objectives. James has expertise in corporate executive services, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP) designation and is a Personal Investment Advisor (PIA). He earned a bachelor's degree from Ohio State University. In addition to his professional work, James participates in community volunteer activities in line with Merrill’s tradition. His personal interests include baseball, basketball, football, golfing, pickleball, and spending time with his family.

Scott Drahzal is a CFP® with 27 years of industry experience, currently serving at Vanguard Advisers since 2002. He has been associated with The Vanguard Group and Vanguard Marketing Corporation since 1999. He is president of his local homeowners association board. 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 to asset allocation and portfolio construction, primarily using Vanguard funds and ETFs.

Sarah Hind is a CFP® with 22 years of industry experience and has been with Vanguard Advisers in Charlotte, NC since 2010. She also holds a Series 66 license and has worked concurrently with Vanguard Marketing Corporation and The Vanguard Group, Inc. during her tenure. Vanguard Advisers provides 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 proprietary models to construct portfolios mainly from Vanguard funds and ETFs, offering various customization options including tax-aware strategies and ESG exposure.

Daniel Richardson is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial and Liberty Life Assurance. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning on a broad range of topics and allows clients to combine planning with managed-account services through its WealthPlan program.

Steven Looser is a financial advisor with LPL Financial in Davidson, North Carolina. He holds Series 63 and Series 66 licenses and has 24 years of industry experience, including over a decade with LPL Financial and a year at Edward Jones. Looser operates under the DBA The Looser Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by its extensive network of investment adviser representatives.

Teresa Chapman is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at UBS Financial Services from 2016 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery tools and proprietary investment models.

Yanan Liu is a financial advisor at Vanguard Advisers with five years of industry experience. She holds the Series 66 and Series 63 designations and has worked at multiple entities within The Vanguard Group since 2025, following prior roles including time at Thrivent Investment Management and the Impression Cultural Arts Center. 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 personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Thomas Oddo is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 40 years of industry experience. He has been with Raymond James Financial Services, Inc. since 1991 and has operated Oddo Financial Services since 2005. In addition to his advisory work, he serves as a professor at Davidson College. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Catherine Stewart is a CFP® professional with 18 years of industry experience, currently serving at Vanguard Advisers since 2012. She holds the Series 66 designation and is based in Charlotte, NC. Outside of her advisory role, she acts as Co-Trustee for her mother's revocable trust. Vanguard Advisers provides 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 tailor asset allocations across various savings goals, primarily utilizing Vanguard funds and ETFs.

Ethan Fesperman is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds the Series 66 designation and has eight years of industry experience. Prior to joining Wells Fargo Clearing in 2018, he worked at Rink & Robinson, PLLC and Associate Staffing. Outside of his financial career, he also serves as an assistant golf professional at River Oaks Golf Club, where he has been involved for over a decade. 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 leveraging research from Wells Fargo Investment Institute and third-party data sources.

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 at Vanguard Advisers with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill and Bank of America before joining Vanguard in 2026. Navarro is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice through services like Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and eligible retirement plan participants. The firm uses a goal-based, algorithm-driven investment approach featuring proprietary models and portfolios constructed mainly from Vanguard funds and ETFs.

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 at Vanguard Advisers with 19 years of industry experience. He holds Series 66 and Series 63 licenses and has worked with Vanguard-affiliated entities since 2011. Based in Charlotte, NC, he has been with Vanguard Advisers since 2026. Vanguard Advisers provides 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 to create personalized portfolios largely composed of Vanguard funds and ETFs, combining digital scalability with human advisor support.

John Kershner is a financial advisor with Fidelity in Cornelius, NC, holding a Series 66 designation and 18 years of industry experience. His career includes roles at major firms such as Merrill, Morgan Stanley, Wells Fargo Clearing, and LindenThomas Company. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

David Crosland IV is a financial advisor at Morgan Stanley in Cornelius, NC, holding a Series 66 credential with six years of industry experience. He previously worked at Bank of America from 2015 to 2020 before joining Morgan Stanley. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Sarah Fremin is a financial advisor at Vanguard Advisers with eight years of industry experience. She holds Series 63 and Series 66 designations. Her work history includes roles at The Vanguard Group, Inc. and Robert Half, as well as an office assistant position 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 employs a goal-based, algorithm-driven investment approach using proprietary models and primarily constructs portfolios from Vanguard funds and ETFs, offering a broad range of customization options.