Tate Carrier is a financial advisor at Merrill holding a Series 66 designation with three years of industry experience. His prior roles include positions at Bank of America and Drucker Wealth, as well as four years at the University of North Carolina at Chapel Hill. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals and institutions.

Jeffrey Stevenson is a Senior Financial Advisor at Merrill Lynch Wealth Management. As a Certified Financial Planner (CFP®) professional, he specializes in delivering tailored financial plans that address goal-based investing while aligning investment, retirement, and legacy planning needs. He works with clients to provide comprehensive wealth strategies that incorporate a holistic approach. Jeffrey focuses on support for business owners with complex planning needs, individuals aiming to simplify their finances for retirement, and those seeking trust and estate planning strategies for legacy control. His expertise includes college education planning, philanthropic planning, small business strategies, tax minimization, retirement income, and managing new wealth. He earned a Bachelor of Arts degree from Campbell University in 2014, majoring in Trust and Wealth Management with a minor in Financial Planning. Originally from Dayton, Ohio, Jeffrey moved to Charlotte, North Carolina in 2003. Outside of his professional work, he enjoys spending time with family and friends, watching and playing sports, boating on Lake Wylie/Norman, traveling, and engaging in various adventure sports. He is also committed to community involvement through volunteer work.

Barbara Huffman is a CFP® professional with 26 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 range of financial products than many institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Joseph Pecarro is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Nationwide Financial Network and Suntrust Advisory Services prior to joining Merrill in 2022. Based in Charlotte, NC, Pecarro has a background in both advisory and securities services. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, using model-based and discretionary investment strategies constructed by internal and third-party managers.

Vishesh Verma is a financial advisor at J.P. Morgan Securities with Series 66 and Series 63 licenses and three years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A. in 2025, he worked at NJOY, Truist Securities, and SunTrust Banks, Inc. Verma also has experience in academia, having worked at Duke University and the Fuqua School of Business from 2023 to 2025. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephen Grice is a CFP® with 39 years of industry experience, currently serving as a financial advisor at OSAIC since 2018. He previously worked at Signator Investors, Inc. and has been involved with Furman Insurance Agency since 1988. Grice holds officer roles in a fixed insurance sales and consulting S Corp and serves on the board of a nonprofit insurance wholesaler focused on institutional accounts. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Joshua Standifer is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo in various capacities since 2015. Outside of his advisory role, he owns and operates Sole Running LLC, a business selling runner clothing apparel. 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 advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jason Hnat is a financial advisor with Ameriprise in Charlotte, NC, holding Series 63 and Series 66 credentials and four years of industry experience. His prior work includes roles at MassMutual, Park Avenue Securities, and LPL Financial. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports through a centralized consulting team.

Jeremiah Hall Oxendine is a financial advisor at Ameriprise in Charlotte, NC, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Edward Jones and Carter County Dodge, as well as a brief tenure with the NFL Giants. Outside of finance, he works as a basketball referee. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to develop customized recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Kevin Siros is a financial advisor at Merrill with 24 years of industry experience. He has held roles at Merrill Lynch, Pierce, Fenner & Smith since 2014 and previously worked at Wells Fargo Clearing from 2004 to 2014. He holds Series 63 and Series 65 designations. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

April Mccarthy is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she works as a consultant and independent contractor for Aloette, a company that sells skin care and makeup products through social media and in-person events. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Alejandro Mozqueda Alvarez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at NinjaTrader, Lee Construction Company of the Carolinas, and several educational institutions in North Carolina. 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, pension plans, corporations, and charitable organizations.

Jay Collins is a financial advisor with Fidelity Investments based in Bessemer City, NC. He holds Series 63 and Series 66 licenses and has four years of industry experience, including prior roles at Wells Fargo Clearing Services LLC and Digital Intelligence Systems. Outside of finance, he has worked in the hospitality sector, including time with Banner Elk Winery. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jason Webster is a financial advisor with Mass Mutual Investors Services in Huntersville, NC. He holds the Series 66 designation and has two years of industry experience. Prior to joining Mass Mutual and MML Investors Services in 2024, he spent eight years at Wilco Finance. Outside of his advisory role, he works as a business coach and mentor through Elevate Strategy & Consulting, supporting other professionals in business growth. Mass Mutual Investors Services 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 offers collaborative, annual financial planning engagements using firm-approved software and educational seminars.

Benjamin Kurtz is an Investment Consultant at Fidelity Investments, where he collaborates with clients to develop customized financial strategies aimed at helping them efficiently achieve their financial goals. He emphasizes transparent communication and detail-oriented planning to ensure clients are well-informed and confident in their financial decisions. He has held several roles within Fidelity Investments since 2020, including Relationship Manager, Retirement Brokerage Services Associate, and Financial Services Associate. This progression reflects his growing experience and expertise in investment consulting and client relationship management. Outside of his professional work, Benjamin has personal interests that include comedy, fitness, hiking, music, and spending time with pets.

Natalie Koletic is a Series 66-licensed financial advisor with Merrill in Charlotte, NC, with 7 years of industry experience. She has been with Merrill since 2010. Outside of her advisory role, she co-owns Tiger Capital LLC, a limited liability company that holds passive interests in commercial real estate entities. Merrill, in conjunction with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Stephen Dotson is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as president of a local networking group, Ballantyne Business Connections, and is a committee member for the Town of Indian Trail Parks, Art, Recreation, and Culture committee. 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 with over 14,000 advisors and offers a range of brokerage and advisory solutions supported by extensive research and analytics.

Brennen Davis is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and four years of industry experience. His background includes roles within The Vanguard Group and Vanguard Marketing Corporation, as well as prior experience in education and a brief period in film. He also serves as a limited agent providing fiduciary duties for an immediate family member. Vanguard Advisers offers automated and human-supported investment advice to retail investors and employer-sponsored retirement plan participants. The firm utilizes a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, supporting a wide range of customization options and tax-aware features.

Carlos Cortes is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. Prior to joining Merrill in 2019, he worked at Citigroup, the University of Miami, and PepsiCo. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Benjamin Smitley is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2017 and at Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among investment choices.