Jay Hitselberger is a CFP®-designated financial advisor with Raymond James & Associates in Charlotte, NC, bringing nine years of industry experience. Prior to joining Raymond James, he held roles at Purshe Kaplan Sterling Investments, Thrivent Financial, and LPL Financial. Outside of advising, he is a partner in Jay's Maize Kettle Corn Company, assisting with event coordination for the business. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services through a range of portfolio management styles and affiliated research resources.

Joel Heimbigner is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and eight years of industry experience. He has worked with Mass Mutual Life Insurance Co and Mass Mutual Investors Services since 2017, and previously spent eight years at Travelers Insurance. He also acts as a producer for outside insurance products, specializing in disability and fixed annuities on a limited basis. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative planning relationships and provides a variety of investment and event-driven planning services.

Nathan Dnistran is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018 and was previously with Goldman Sachs & Co from 2014 to 2018. He holds the Series 65, Series 63, and Series 66 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, utilizing quantitative asset-allocation modeling and a centralized due diligence process. The firm focuses on non-discretionary advice, applies an ESG eligibility framework, and offers access to a broad range of products through its affiliation with the larger J.P. Morgan organization.

John Dameron is a financial advisor with MassMutual Investors Services in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with MassMutual Investors Services and Massachusetts Mutual Life Insurance Company since 2002. Outside of his advisory role, he owns and operates a spice sales business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements that utilize advanced software tools to develop recommendations tailored to clients’ goals.

Claire Mccarthy is a CFP® professional with 27 years of experience in the financial industry. She is currently with Osaic Wealth, Inc., having joined in 2024, and previously worked for LPL Financial for five years and M&T Securities, Inc. and M&T Bank for 20 years. She is an investor in Wing Financial, a financial planning technology startup. Osaic Wealth, Inc. serves a diverse 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, retirement consulting, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Richard Burns is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group, Inc. for 18 years and E*TRADE Capital Management LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets through structured planning processes and various investment offerings.

Alexander Bartolomeo is a Series 66-licensed financial advisor with UBS Financial Services in Charlotte, NC, where he has worked since 2014. He has 11 years of industry experience. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets solutions.

Jonathan Tedesco is a financial advisor with Morgan Stanley in Charlotte, NC, holding a Series 66 designation and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2018, following a two-year tenure at Keyence Corporation. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to guide clients, primarily acting in an advisory capacity.

Brian Mc Call is a financial advisor with J.P. Morgan Securities in Dallas, TX, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at JPMorgan Chase Bank NA and JPMorgan Securities LLC since 2017 and previously at PwC from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with multiple regulatory registrations, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Michael Firestone is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management in Charlotte. He is also a partner in The Rivlin Firestone Group. With over 30 years of experience, Michael provides financial guidance to companies and individuals, creating Wealth Management Plans and financial strategies that align with clients' goals and objectives. His areas of focus include wealth preservation, investment portfolio selection, retirement income strategies, concentrated stock strategies, charitable giving, business succession strategies, college planning, estate maximization strategies, long-term care, and access to mortgage lending through Bank of America. Michael participates in Merrill's Alternative Investment Academy accreditation program covering Hedge Funds, Private Equity, and Real Assets. Michael holds the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc.; the Chartered Retirement Planning Counselor™ (CRPC™) designation from The College for Financial Planning Institutes Corp.; the Certified Plan Fiduciary Advisor® (CPFA®) designation issued by the National Association of Plan Advisors; and FINRA Series 7 and Series 66 registrations. He also possesses life and health insurance licenses, as well as long-term care and Medicare licenses. He previously worked as a Certified Public Accountant (CPA) at Ernst & Young and KPMG, providing assurance, advisory, and tax services to Fortune 1000 companies, C-level executives, audit committees, and boards of directors. Additionally, he led a mergers and acquisitions department for a Fortune 10 company for over six years. Michael earned both his MBA in Finance and Bachelor of Business Administration in Accounting with Magna Cum Laude honors from Pace University. Michael volunteers and donates to various charities, including First Book of Charlotte and Junior Achievement, and has served as a board member for various religious organizations. He enjoys traveling and spending time with his wife, Lisa, their two sons, and their dog Clay.

Satish Markanda is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, performance reporting, participant education, and plan benchmarking. The firm’s 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 its investment offerings.

Carrington Coulter is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2013. Outside of his advisory role, he participates in a committee at Christ Episcopal Church managing memorial funds for church projects. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves a diverse client base including individuals, institutional investors, and pension plans. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and extensive affiliated research.

Jon Gandy is a financial advisor at UBS Financial Services with 13 years of industry experience. He previously worked at Wells Fargo Advisors for 19 years before joining UBS in 2024. He holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and access to proprietary research and institutional trading capabilities.

Connor Willis is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise and in various roles outside finance, including at Benchmark Physical Therapy and the University of North Carolina. Charles Schwab serves a broad range of mostly high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized operational and custody services.

Rebecca Worlds is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 26 years of industry experience. She previously worked at Morgan Stanley for eight years before joining Raymond James in 2024. She is also employed as a client service associate at Cygnus Asset Management. Raymond James Financial Services Advisors, Inc. provides tailored financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, utilizing risk profiling and analytical tools to support client goals.

Jeff Leichman is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity for over two decades, contributing to various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Service Trader. His extensive experience within the company reflects his commitment to exceptional client service and personalized financial guidance. Throughout his career at Fidelity, Jeff has focused on partnering with clients to develop financial plans aimed at achieving their financial goals. His expertise encompasses diverse investment choices and tailored advisory services. Jeff's long tenure at Fidelity demonstrates his dedication to the firm's principles and client-centered approach.

Megan Bright is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation. Prior to joining Merrill, she worked in various roles at East Carolina University and Harris Teeter. Outside of her advisory role, she continues to work part-time as a cashier at Harris Teeter. 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.

Ryan Schachtner is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior work includes roles at OneAmerica Securities and American United Life from 2015 to 2020. Outside of advisory work, he serves as CEO of Caroline Asset Management, an independent insurance agency, and 1Market Street, LLC, a book sales and speaking business. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent financial professionals using various platform arrangements and proprietary as well as third-party model strategies.

William Winget is a financial advisor with LPL Financial in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is also involved with Cardinal Legacy Wealth Advisors as an employee under a model brand name. 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 advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management, model portfolios, and research from various sources.

William Annin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with clients to help simplify and manage their financial lives by delivering a comprehensive approach to managing wealth. His approach begins with listening to each client's needs and ensuring every strategy is grounded in an understanding of their personal goals. William utilizes the investment insights of Merrill and the banking convenience of Bank of America to address various aspects of clients' financial lives. His areas of expertise include college education planning, executive compensation, investment consulting for defined contribution plans, portfolio management services, and retirement income. William holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the University of North Carolina System. William is involved in his community through participation in the Fort Mill Rotary Club. In his personal time, he enjoys biking, golfing, and swimming.