Renee Wallace is a financial advisor at Wells Fargo Clearing with three years of industry experience and holds a Series 66 designation. She has previously worked at Fidelity Investments and has experience in various roles outside finance, including at Bridal Reflections and Rocco's Tacos & Tequila Bar. 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 grounded in modern portfolio theory. The firm’s approach includes an IPS-driven process and a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Randy Cruz is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Fidelity Brokerage Service, USAA Financial Planning Services, and TIAA-CREF. 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 portfolios constructed largely from Vanguard funds and ETFs, supported by a large team of over 2,200 advisors.

Monica Luke is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. She previously worked at Securities America, First Command Financial Services, and OSAIC. Outside of her advisory role, she serves as an adjunct professor at Queens University, the University of North Carolina at Charlotte, and The London School of Economics. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of financial planning, asset management, and retirement advice services to individuals, institutions, and plan participants through a large network of investment adviser representatives.

William Wilson IV is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and having four years of industry experience. He has worked at several firms, including The Vanguard Group and SECU subsidiaries. Vanguard Advisers offers automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs. The firm is notable for its scale and digital delivery, managing a large number of client relationships through a combination of automated platforms and advisor teams.

Michael Mallette is a financial advisor at Vanguard Advisers with nine years of industry experience. He holds Series 63 and Series 66 licenses and has been with The Vanguard Group since 2017. Prior to that, he worked at Appalachian State University for four years. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, serving a large client base through a combination of digital platforms and a team servicing model.

Banner Steele is a Series 66-licensed financial advisor at Vanguard Advisers with six years of industry experience. He has been with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2020. Prior to that, he held roles at Texas Tech University, FJY Financial, and First State Bank among others. 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 and primarily invests in Vanguard funds and ETFs, offering a range of customization options alongside portfolio management for pooled vehicles.

Adam Bloom is a financial advisor with Raymond James Financial Services Advisors, Inc., holding the CFP® designation and Series 63 and 66 licenses. He has 27 years of industry experience, including 26 years at Edward Jones. Bloom is president of ASB Endeavors, LLC, his personal operating entity, and serves as a board member of the Associate Reformed Presbyterian Church Board of Benefits, overseeing health insurance and pension plans. 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 emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and also offers specialized municipal advisory and SIMPLE IRA employer consulting services.

Jason Bowers is a financial advisor at Vanguard Advisers with three years of industry experience. He holds a Series 66 designation and has worked at The Vanguard Group since 2023. His prior work experience includes roles in real estate and retail sectors. Vanguard Advisers provides automated and human-supported investment advice through services such as Vanguard Digital Advisor and Vanguard Personal Advisor, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs.

Dimitrios Nickols is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at The Vanguard Group, Inc. since 2016, including a period as self-employed from 2019 to 2022. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm serves hundreds of thousands of clients through a digital platform supported by a large team of advisors.

Lakisha Ashford is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses and two years of industry experience. Her prior work includes roles at TIAA and Wells Fargo, as well as experience outside the financial industry. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models to create personalized portfolios primarily composed of Vanguard funds and ETFs.

Brock Woessner is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and four years of industry experience. He has been with Vanguard Advisers since 2025 and has also worked with Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2021. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach and manages a large client base with a combination of proprietary technology and advisor support.

Cindi Williams is a financial advisor at Vanguard Advisers with 18 years of industry experience. She holds Series 66 and Series 63 credentials and has previously worked at TIAA-CREF Individual & Institutional Services and Morgan Stanley. 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.

Kevin Butler is a financial advisor at Morgan Stanley with 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses and is based in Woodland Hills, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes firm-approved tools and models to support structured planning conversations.

Tanner Howell is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 credential and with one year of industry experience. His prior roles include positions at Equitable Advisors, LLC and Bank of America, N.A. He has also worked in several non-financial roles, including at Sullivans Steakhouse and Extreme Ski. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Algeria Johnson is a Series 66-licensed financial advisor with Vanguard Advisers in Charlotte, NC, with one year of industry experience. Prior to joining Vanguard Advisers, she held positions at Fidelity Investments, MetLife, and Amazon among other companies. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and constructs portfolios primarily from Vanguard funds and ETFs with various customization and tax-aware features.

Ousman Bojang is a financial advisor at Vanguard Advisers with Series 65 and Series 66 credentials and two years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Asbury Automotive Group, E*Trade from Morgan Stanley, and Amazon. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Colleen Mc Cauley is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. Her previous work includes roles at Jones Lang LaSalle, Feedonomics, and Amazon, as well as academic experience at Texas A&M University. 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.

Alexandru Jucu is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo affiliates since 2015. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions with research-driven investment approaches.

William Merritt III is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. His prior roles include positions at Bank of America Merrill Lynch and Fifth Third Securities. He also worked briefly in education at Concord High School and in technology at Digital Intelligence Systems. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Karly Krueger is a financial advisor at Merrill based in Charlotte, NC. She holds a Series 66 credential and has one year of experience in the industry. Prior to joining Merrill and Bank of America, she held various roles across multiple industries including technology and retail. Merrill 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.