Joao Simao De Oliveira is a financial advisor at Merrill with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley, Bradesco Bank, and Banco Do Brasil. 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.

Andrew Harding is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Merrill since 2009 and concurrently affiliated with Bank of America since 2004. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies constructed by internal and third-party managers.

Marc Blount is a financial advisor at Fidelity with the designations ChFC® and Series 63, and 25 years of industry experience. He worked at TIAA from 2002 to 2025 before joining Fidelity in 2025. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, managing model portfolios of mutual funds, ETFs, and ETPs.

Katie Fitzpatrick is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2026. She has held several roles at Fidelity Investments, including Planning Consultant from 2023 to 2025, Relationship Manager from 2022 to 2023, and Financial Representative from 2020 to 2022. Her work focuses on helping clients simplify their finances and develop well-designed financial strategies. She assists with planning for retirement, building wealth, and creating security for loved ones, aiming to provide clarity and confidence as clients work toward their financial goals. Outside of her professional role, Katie enjoys fitness, running, puzzles, exploring food, and spending time at the lake.

Matthew Ferrara is a financial advisor at Morgan Stanley with six years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing Services, LLC, and Service Logic. Ferrara is based in Charlotte, NC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including financial planning services supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct client plans and Corporate Financial Planning agreements.

Isaac Bradley is a CFP® and Series 66-registered financial advisor at Robert Baird & Co. with three years of industry experience. Prior to joining Baird, he worked at HB Wealth Management, Wells Fargo Clearing Services, Wells Fargo Bank, and Lynch & Eatman LLP. He holds non-practicing North Carolina law and CPA licenses and serves on the Board of Trustees of Brevard College. Isaac is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a range of clients including individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Lee Davis is a financial advisor with Primerica Advisors in Charlotte, NC, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1994. Outside of advisory work, he is involved in sales of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of financial advisors, employing model-driven investment strategies and offering a range of portfolio management options supported by third-party managers and custodians.

Joshua Regnaud is a financial advisor at Morgan Stanley with nine years of industry experience. He has worked at Morgan Stanley since 2018 and previously held roles at Bank of America and Merrill. Regnaud serves as an officer and advisory board member of the Regnaud Family Foundation, a community organization based in Charlotte, North Carolina. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and serves clients through a broad range of retail and institutional services.

Warren Brooks is a financial advisor at UBS Financial Services in Charlotte, NC, holding Series 63 and Series 66 licenses with one year of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo, and Uber. He also has experience working with MechanicMe and has held academic roles at the University of Washington, University of Houston, Houston Community College, and Lonestar Kingwood Community College. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including 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 platform offering custody, underwriting, and capital markets services.

Joy Clary is a financial advisor at Raymond James & Associates with 28 years of industry experience. She holds the Series 63 and Series 66 credentials and has worked at firms including Wells Fargo Clearing and Janney Montgomery Scott. Clary is based in Charlotte, NC. Raymond James & Associates, Inc. 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 public entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research.

Kyle Williams is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 19 years of industry experience. He previously worked at Voya Financial Advisors and Steve and Brad Little. Outside of his advisory role, Williams is an independent insurance agent and owns a financial services business, 401KYLE.COM. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a nationwide network of independent advisors and operates a multi-manager platform with access to various program structures and third-party money managers.

Carly Griffin is a CFP®-certified financial advisor with 14 years of industry experience, currently serving at LPL Financial since 2019. Her prior experience includes roles at J.W. Cole Financial, Inc. and Foresters Financial Services. Griffin is involved with multiple entities affiliated with her LPL business, including a specialized DBA focused on investment strategies. LPL Financial is a national broker‑dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a wide range of financial planning, asset management, and institutional platforms.

Gregory Croom is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Merrill since 2009 and Bank of America, N.A. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Adam Bolger is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has been with Merrill since 2018. Prior to his current role, he worked at Winthrop University and Hungry Howies. 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.

Mary Haney is a financial advisor at Morgan Stanley in Charlotte, NC, holding Series 66 and Series 63 licenses with two years of industry experience. Before joining Morgan Stanley in 2025, she worked at The Vanguard Group, Inc. and State Farm. She also has a background with Clemson University Athletics and Clemson University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning that uses firm-approved tools and modeling techniques to support client decision-making.

Frederick Woltz is a financial advisor with LPL Financial in Charlotte, NC, holding Series 63 and Series 65 credentials and over 40 years of industry experience. His prior roles include positions at Raymond James & Associates, Morgan Keegan & Company, LLC, and Citigroup Global Markets. He serves as a trustee for multiple family irrevocable trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms.

Howard Jacobs III is a financial advisor with Fidelity, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Pruco Securities LLC, The Prudential Insurance Company of America, Edward Jones, Merrill, and Ameriprise. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines proprietary fundamental research with quantitative analysis and systematic portfolio construction, employing algorithmic methodologies and long-term asset allocation benchmarks.

Gregory Sheets is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he owns a home renovation business in Huntersville, North Carolina. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through a network of investment adviser representatives.

Melissa Thor is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 12 years of industry experience, all with Merrill since 2014. She has no notable outside business activities. 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.

Bradley Koesel is a financial advisor at Charles Schwab with 13 years of industry experience. He holds the Series 66 designation and has worked at firms including Merrill, TD Ameritrade, Fisher Investments, and Charles Schwab. He is based in Charlotte, NC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides integrated brokerage, custody, and cash-sweep services.