Brian Fay is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2016. He has been affiliated with The Vanguard Group and Vanguard Marketing Corporation since 1999. Based in Charlotte, NC, Fay holds Series 63 and Series 65 licenses. Vanguard Advisers provides investment advice through both automated and human-supported services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven investment approach with portfolios constructed mainly from Vanguard funds and ETFs.

Matthew Ciaglia is a CFP® with 16 years of experience in the financial industry. He is currently with Vanguard Advisers, where he has worked since 2021. His prior experience includes roles at Looking Forward Financial LLC, P.J. Robb Variable Corp., and BB&T / Crump Life Insurance Services. Vanguard Advisers provides automated and human-supported investment advice through its digital and 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 portfolios constructed mainly from Vanguard funds and ETFs.

Quinston Little is a financial advisor at Vanguard Advisers with four years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at TIAA-CREF Individual & Institutional Services and Wells Fargo Advisors. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to create personalized asset allocations, primarily utilizing Vanguard funds and ETFs.

Robert Keller is a Wealth Management Advisor and partner in the Utz Keller Wealth Management Group based in Huntersville, NC, operating within Merrill Lynch Wealth Management. He provides personalized wealth management strategies tailored to entrepreneurs, executives, retirees, business owners, and their families. Robert leverages resources from Merrill and Bank of America to deliver custom financial plans that reflect clients' unique needs and goals. Robert holds a Master’s degree and a Bachelor’s degree from East Carolina University. He earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His expertise spans corporate executive services, divorce transition planning, executive and equity compensation, family wealth management, retirement planning, tax minimization, and small business strategies. Active in his community, Robert volunteers with the American Legion. Outside of work, he enjoys adventure sports, baseball, basketball, biking, billiards, football, golfing, scuba diving, skiing, and spending time with his family.

Olivia Kennedy is a Financial Advisor with the Utz Keller Wealth Management Group at Merrill Lynch Wealth Management. She supports clients in navigating complex financial decisions with clarity and transparency, offering expertise in areas such as equity compensation services, family wealth management strategies, legacy planning, retirement income, portfolio management, tax minimization, and personal retirement planning. Olivia's approach involves comprehensive wealth management planning tailored to clients' goals and priorities. Olivia began her career in the financial services industry at Merrill in 2020. She holds a Bachelor of Science in Business Economics from the Farmer School of Business at Miami University of Ohio. She has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Her work is guided by a philosophy centered on understanding what matters most to clients to add value to their lives. Outside of her professional role, Olivia is involved in her community through leadership positions with Folds of Honor Western Carolina and the Rotary Club of North Mecklenburg County. She also participates in the Lake Norman Young Professionals Group. Olivia resides in Mount Ulla with her husband, Mack, where they enjoy outdoor activities such as hiking and spending time on Lake Norman, as well as caring for their farm.

Keith Patrignani is a financial advisor with Vanguard Advisers based in Charlotte, NC, holding Series 63 and Series 66 designations and 18 years of industry experience. He has been with The Vanguard Group, Inc. since 2011. Vanguard Advisers provides automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages large-scale client relationships through its digital platform combined with advisory services.

Tommy Moore Jr. is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has been with Vanguard Advisers since 2019 and is also the owner of LifeWideAwake LLC, an outside business based in Huntersville, NC. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a proprietary, goal-based investment approach with portfolios constructed largely from Vanguard funds and ETFs, delivering services at scale through a digital platform combined with a team servicing model.

Matthew Cascio is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Vanguard Advisers since 2017. He has also been associated with The Vanguard Group, Inc. and Vanguard Marketing Corporation since 2013. Based in Charlotte, NC, Cascio holds a Series 63 license. Vanguard Advisers provides automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, catering primarily to retail investors and eligible retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary methodologies and largely constructing portfolios from Vanguard funds and ETFs, with various customization options and tax-aware features.

Todd Guilfoyle is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 66 credentials and 18 years of industry experience. His prior roles include positions at TIAA and The Vanguard Group, Inc. Outside of his advisory work, he is contracted with a food delivery service in a non-investment capacity. Vanguard Advisers serves retail investors and employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm utilizes a goal-based, algorithm-driven approach with personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Bret Gallin is a financial advisor with Wells Fargo Advisors in Denver, NC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2010. Outside of his advisory role, he also works as a part-time bartender at Levy Restaurants. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu tailored to clients who meet certain net-worth thresholds, covering areas such as retirement, education, risk, and wealth-transfer planning, with many services delivered through meetings and written client summary letters.

Mark Mccall is a CFA® charterholder with 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. His prior experience includes Citigroup Global Markets Inc., where he has been active since 2005. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and Global Investment Committee research.

Jenamarie Fox is a financial advisor at Vanguard Advisers with 19 years of industry experience. She holds a Series 66 designation and has been with Vanguard Advisers and related entities since 2015. She also serves as a fiduciary agent for an immediate family member’s investments. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven investment approach that emphasizes personalized asset allocation across various savings goals and manages portfolios primarily with Vanguard funds and ETFs.

James Palmer is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Vanguard Advisers in Charlotte, NC. His prior experience includes roles at TMD Wealth Management, Runey and Associates Wealth Management, and USAA. He is a board member of the Texas Tech Personal Financial Planning Alumni Advisory Board, where he mentors students and supports the program. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. Its investment approach is goal-based and algorithm-driven, utilizing proprietary models and largely Vanguard funds to create personalized portfolio solutions at scale.

Angelique Harris is a financial advisor at Edward Jones with four years of industry experience. She holds the ChFC®, Series 63, and Series 66 designations. Prior to joining Edward Jones, she worked for TIAA Kaspick from 2010 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a nationwide network of more than 23,700 financial advisors.

Joseph Diverniero is a financial advisor at Vanguard Advisers in Charlotte, NC, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Vanguard Marketing Corporation, The Vanguard Group, and several positions in media and data companies. 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 and manages a large client base through a digital platform supported by over 2,200 advisors.

Fiona Coupe is a financial advisor with Vanguard Advisers, holding a Series 66 designation and eight years of industry experience. She has worked with Vanguard Advisers, The Vanguard Group, Inc., and Vanguard Marketing Corporation since 2018. Prior to that, she was associated with The University of Alabama and Johan Inc. Her background includes roles in higher education and community services. 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 and manages a broad client base with a combination of Vanguard funds and ETFs.

Tyler Aiken is a CFP® professional with 11 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He also worked at Wells Fargo Advisors from 2015 to 2016. 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 a range of brokerage and advisory solutions supported by research and analytics.

Oriana Echeverria is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding Series 63 and Series 66 licenses and three years of industry experience. Her work history includes roles at Wells Fargo Clearing, Wells Fargo Bank, and CL Tax Center. She previously managed a restaurant business, Mi Pueblo Mexican Restaurant, from 2016 to 2019. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning for business owners, sports and entertainment professionals, and clients with special needs.

Jeffrey Bierbower is a financial advisor at Vanguard Advisers with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at The Vanguard Group, Vanguard Marketing Corporation, and previously at Bank of America and Merrill Lynch. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach utilizing proprietary models and offers a broad range of customizable portfolios primarily composed of Vanguard funds and ETFs.

Austin Mistry is a financial advisor with J.P. Morgan Securities in Charlotte, NC, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior roles include positions at Trinity Wealth Securities, Florida Financial Advisors, and Tristate Financial Advisors. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer, futures commission merchant, and commodity pool operator registrations.