Richard Pace is a financial advisor at Morgan Stanley with 18 years of industry experience. He previously worked at E*TRADE Securities LLC from 2007 to 2020 before joining Morgan Stanley in 2023. Outside of his advisory role, Pace coaches group fitness classes at CrossFit North Fulton and CrossFit 1440. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and broad advisory programs.

Steven Tholen is a Senior Financial Advisor based in Alpharetta, Georgia, and a member of The Snider Team at Merrill Lynch Wealth Management. He brings more than 35 years of experience in the financial services industry. Steven began his career as a Financial Advisor at Merrill before spending 21 years in the asset management industry in senior leadership roles. Prior to returning to Merrill Lynch Wealth Management, he founded and led a consulting firm offering strategic advisory services to asset management companies. His investment expertise includes traditional equity and fixed income strategies as well as alternative investments such as hedge funds, fund-of-funds, and private equity across multiple asset classes. Steven and his team provide concierge-level wealth planning and investment management services focused on privately held business owners, current and former corporate executives, and their families. They are currently accepting new clients who can benefit from their experience and the resources of Merrill and Bank of America. Steven holds a Bachelor's Degree from The Citadel and has earned the Certified Portfolio Manager (CPM) and Personal Investment Advisor (PIA) designations. He is a member of the Citadel Alumni Association and a USMC Veteran. Outside of work, Steven enjoys cooking, fishing, hunting, and traveling. He also participates in community volunteer activities consistent with Merrill's tradition of community involvement.

Larry Adams is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 63 designation and has been with LPL Financial since 2014. Adams also owns and serves on the board of Dawson County Wrestling Inc., a nonprofit organization that supports youth sports in North Georgia by providing athletic equipment and hosting an annual wrestling tournament. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Douglas Charles is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and possessing 32 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney and Citigroup Global Markets Inc since 2009 and 2008, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Andrew Gullion is a CFP® professional with 13 years of experience in the financial industry. He has worked at Edelman Financial Engines since 2014, including time at the Financial Engines Advisor Center, and previously spent two years at Fidelity. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary investment solutions focused on diversified model portfolios and long-term strategies.

Ying Piao is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, Piao worked at Bank of America and managed a sushi bar and ocean grill business for seven years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Warren Bray is a financial advisor at Morgan Stanley with 7 years of industry experience. He holds a Series 66 designation and has previously worked with firms including E*TRADE Capital Management, Wells Fargo, Merrill, and Bank of America. Outside of his advisory role, Bray serves as treasurer for the IVYS HOA in Atlanta, Georgia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools.

Michael Smith is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked previously at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory role, Smith serves on the boards of Cafe 1040, an organization supporting missionary immersion experiences, and The Fort Foster Care, which provides support for foster children in Forsyth County. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, delivering comprehensive, goal-based financial analyses across various planning areas without including implementation. The firm emphasizes a separation between planning and managed-account services and does not accept discretionary trading authority for its Dedicated Planning Service.

Kevin Mayer is a financial advisor with Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 licenses and having 22 years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at E*TRADE Securities LLC and E*TRADE Capital Management LLC for nearly a decade. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through employer-based financial planning agreements.

Jerry King is a financial advisor with Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has previously worked at E*TRADE Capital Management, Bank of America, Merrill, JPMorgan Chase Bank, and JP Morgan Securities. Outside of finance, he owns and operates a pressure washing company based in College Park, Georgia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies.

Benjamin Dreaden is a financial advisor with Wells Fargo Clearing in Cumming, GA, holding Series 63 and Series 66 licenses with six years of industry experience. His work history includes positions at Bank of America, Merrill, and E*TRADE Securities, as well as roles outside finance at Apple and Georgia State University. 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 combines research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Harsh Jayaswal is a financial advisor at Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 licenses with 20 years of industry experience. His prior experience includes roles at Bank of America and Merrill. Outside of his advisory work, he is the sole proprietor of Jayaswal Properties LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, using structured financial planning tools and investment models, and manages approximately $2.74 trillion in client assets.

Renee Gauthier is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked previously at Merrill and E*Trade. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning that incorporates firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Nathan Rachels is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at The Pacific Financial Group, Inc. from 2016 to 2023. Outside of advisory work, he is involved with B & N Whitetail LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Adam Blandino is a Series 65-licensed financial advisor at Fisher Investments with six years of industry experience. He has worked at Fisher Investments since 2018 and previously spent eight years at IDD Consultants LLC. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized Investment Policy Committee and employs tax-aware processes and defensive tactics to manage risk and portfolio positioning.

Andrew Flick is a financial advisor at Edward Jones in Woodstock, GA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he spent a year at Cornerstone University and was a full-time student for over two decades. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Samuel Calixte is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2016, with a one-year tenure at E*Trade Securities in between. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and methodologies.

Michael Nguyen is a financial advisor at Morgan Stanley in Alpharetta, GA, holding a Series 66 designation with eight years of industry experience. Prior to joining Morgan Stanley in 2023, he worked at E*TRADE Capital Management and E*TRADE Securities from 2019 to 2021, and at Atlanta Financial Associates from 2016 to 2018. Outside of his advisory role, he is a commissioned Notary Public involved in notarizing legal documents. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

James Johnson is a financial advisor at Morgan Stanley in Alpharetta, GA, holding Series 63 and Series 66 registrations with nine years of industry experience. His prior experience includes roles at E*TRADE Capital Management LLC, E*TRADE Securities LLC, PFS Investments Inc., Primerica Financial Services, and TJ Distribution. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct individual relationships and corporate financial planning agreements.

Michael Agol is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Hilltop Securities Inc. and Burrows Capital Advisors, among others. Outside of advisory work, he serves as an elected board member for the College of the Mainland Foundation and owns a roofing company. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.