Robert Koppenhofer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. He has been with Raymond James since 2012. Koppenhofer also works as an associate at Williamson Wealth Group. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting using detailed analytical tools and supports municipal and public-finance work through unique affiliations.

Kimberly Ann Loughlin is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she serves as executor and power of attorney for her parents. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Ruckart is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation with one year of industry experience. His prior work includes roles at Appalachian State University, Caldwell Community College & Technical Institute, and Red Onion Cafe. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Katlin Moran is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 65 and Series 63 licenses and has worked at Wells Fargo affiliates since 2011. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Olga Guin is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 24 years of industry experience. She has been with Merrill since 2014. Outside of her advisory role, she serves as a co-trustee of a private trust entity. 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 both model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Zoe Howard is a financial advisor with Vanguard Advisers, holding Series 66 and Series 63 credentials and four years of industry experience. She has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2022, and previously held positions at Wells Fargo, Ameritel, and StarTek. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach utilizes proprietary models and primarily Vanguard funds and ETFs to construct personalized portfolios with various customization options.

Melissa McGrath is a financial advisor with Ameriprise in Charlotte, NC, holding Series 63 and Series 66 licenses and 23 years of industry experience. Her prior roles include positions at Provenance Wealth Advisors, Raymond James Financial Services, Financial Resources Group, LPL Financial, and AXA Advisors. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed written recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines algorithmic automation with personalized review to deliver these recommendations through a centralized consulting team.

Lexter Fennell is a financial advisor with Edward Jones in Concord, NC, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ashley Alexander is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and having eight years of industry experience. Prior to joining Vanguard, Ashley worked at BMO Harris Bank and has been involved in entrepreneurial activities including ownership of Alexanders BBQ LLC. Vanguard Advisers provides investment advice through a combination of automated platforms and human support, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to construct portfolios primarily from Vanguard funds and ETFs, offering various customization options and tax-aware strategies.

Michael Morette is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Vanguard entities since 2019. Prior to his time at Vanguard, Morette held roles related to education and historical organizations, including George Washington's Mount Vernon and Franklin & Marshall College. Vanguard Advisers provides automated and human-supported investment advice through digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm’s approach is goal-based and algorithm-driven, utilizing proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Michael Ruland is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works with individuals, families, and businesses to pursue their short-, mid-, and long-term financial objectives by developing custom financial and retirement plans supported by active investment and risk management strategies. He focuses on building deep relationships based on trust and transparency to create tailored solutions that address clients’ retirement planning, business exit planning, portfolio diversification, cash flow management, and tax considerations. Michael’s areas of expertise include college education planning, equity compensation services, liquidity management, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He collaborates with Bank of America specialists to provide clients with access to banking, credit, home financing, and small business solutions as needed, ensuring comprehensive financial guidance aligned with each client’s goals. He holds a Bachelor's Degree from the University of South Carolina System and has earned the Chartered Alternative Investment Analyst (CAIA) and Personal Investment Advisor (PIA) designations. Michael is bilingual in Spanish and English. Outside of work, he enjoys boating, fishing, golfing, reading, running, spending time with his family, and traveling.

Lee Willaford is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC from 2013 to 2016. He holds Series 63 and Series 65 licenses and is based in Charlotte, NC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Stephen Jesse is a financial advisor at Vanguard Advisers with five years of industry experience. He holds a Series 66 credential and has previously worked at firms including Cetera and CAP COM Federal Credit Union. His background also includes a marketing affiliate business from 2022 to 2023. Vanguard Advisers provides 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 using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Elizabeth Panos is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. She has been with Wells Fargo Clearing since 2016 and also has experience with Wells Fargo Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a broad range of investment advisory services, financial planning, and retirement plan consulting, combining research from Wells Fargo Investment Institute with diversified investment strategies.

Karen Dunphy is a financial advisor at Merrill with Series 63 and Series 65 credentials and 32 years of industry experience. She has been with Merrill since 1993. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Judy Meyer is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She worked at J.P. Morgan Securities for six years before joining Wells Fargo Clearing in 2018. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Cameron Voegele is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Northwestern Mutual Wealth Management Company, Mutual of Omaha Advisors, UBS, and Vanguard. 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Nathan Sessions is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to that, he was employed at Integra Choice and Control and attended the University of North Carolina at Chapel Hill. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Aisha Wall is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 66 credentials and three years of industry experience. Her prior roles include positions at Fidelity Investments, The Vanguard Group, and Brinks Incorporated. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Eric Edwards 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 The Vanguard Group since 2018 and previously worked as a self-employed advisor. Outside of his advisory work, he has a brief background associated with the Warrior Golf Club. 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 investment approach, using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.