Nicholas Wernli is a financial advisor at TIAA-CREF with one year of industry experience. He holds the Series 66 designation and has worked previously at Consolidated Planning LLC and Raymond James Financial Services. His background also includes roles in education at UNC Charlotte and Central Piedmont Community College. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing discretionary management through customized and model portfolio services.

David Landrum is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds a Series 66 designation and has been with Schwab Wealth Advisory since 2026, having prior roles at Charles Schwab & Co., Inc., Charles Schwab Bank SSB, and several other non-financial firms. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering annual financial reviews, retirement and planning discussions, and investment recommendations using Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, distinguishing it from many other enterprise wealth managers.

Justin Conkling is a financial advisor at TIAA-CREF with three years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF and Accenture, among other organizations. Outside of finance, he has experience working at Hilaman Golf Course. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm uses a fiduciary standard in its advisory services and offers a range of model and customized portfolio management options.

Steven Rogers is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and with 15 years of industry experience. He has been with TIAA-CREF and Tiaa since 2008, serving the firm for a total of 15 years. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing connections through TIAA-administered employer retirement plans. The firm combines point-in-time planning with ongoing managed account services and acts as adviser to a donor-advised fund, operating within a vertically integrated structure that includes affiliated funds.

Christopher Mahoney is a financial advisor at Janney Montgomery Scott with 48 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott since 2010. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, corporate and retirement plans, and charitable organizations, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Natasha Crowell is a financial advisor at TIAA-CREF with 25 years of industry experience. She has held her current position at TIAA-CREF since 2002 and holds Series 63 and Series 65 licenses. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time financial planning and ongoing discretionary management, serving clients often connected to TIAA-administered retirement plans.

Christopher Graper is a CFP® with 16 years of experience in the financial services industry. He has worked at Janney Montgomery Scott since 2020, and previously held roles at Stifel Nicolaus & Co Inc and Wells Fargo Advisors. Outside of his advisory work, he is a joint owner of rental properties in Charlotte, NC. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients through a combination of brokerage, financial planning, consulting, and multiple advisory programs.

Rahul Tumkur is a financial advisor at TIAA-CREF with three years of industry experience. He holds a Series 66 designation and has worked at various TIAA entities since 2021. Outside of his advisory role, he has worked as a delivery driver for a food delivery service. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers customized portfolio management alongside model portfolio options and acts as adviser to a donor-advised fund.

John Rickelton is a financial advisor with Equity Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Equity Services, Inc. and National Life of Vermont since 1985. Outside of his primary advisory work, he consults with business owners on buy/sell agreements through his sole proprietorship, Rickelton & Associates. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Ashley Schuster is a financial advisor at Truist Advisory Services with 16 years of industry experience. She holds Series 63 and Series 66 designations and has worked with Truist Advisory Services and its affiliates since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, fiduciary support, participant advice, and a manager-selection program that combines discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

David Nantau is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Charles Schwab, TD Ameritrade, E*Trade Securities, Wells Fargo Clearing Services, and Regions Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its planning process and serves a large participant base relative to its advisor headcount.

Graham Wilson is a CFP® and ChFC® with 42 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and serves as President and Owner of Sterling Financial Group, Inc., a private entity involved in securities, advisory, and insurance business. His prior experience includes roles at Lincoln Investment and Capital Analysts, Incorporated. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors and their clients with a range of advisory programs, investment management, and practice-management services. The firm offers discretionary model portfolios, personalized indexing options, and multiple program structures, while providing operational and compliance support to affiliated advisors.

Gerald Smith is a financial advisor with Commonwealth Financial Network in Charlotte, NC, holding a Series 66 designation and 12 years of industry experience. He previously worked at FSC Securities for 12 years and has held roles at OSAIC, Kelly Ryan Financial, and Commonwealth since 2023. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, supported by operations, technology, and compliance resources.

Robert Maloney is a Series 66-licensed financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC. He has two years of industry experience and previously worked at Howard Hanna Mortgage Services and Allen Tate Mortgage. First Citizens Investor Services, Inc. provides investment advisory and brokerage services to a diverse client base, including individuals, trusts, estates, charitable organizations, pension plans, and business entities. The firm offers portfolio management through wrap programs, an automated Guided Investing platform, tax-aware overlay and transition services, and financial planning, leveraging its affiliation with a bank holding company to integrate banking resources and operational support.

Thomas Roediger is a financial advisor with Truist Advisory Services in Charlotte, NC, holding Series 63, 65, and 66 credentials and 28 years of industry experience. His prior work includes roles at BB&T Securities, BB&T Investments, and PNC Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by AI-enabled equity research and an integrated inter-affiliate operating model.

Thomas Farmer is a CFP® and holds a Series 66 license with 19 years of experience in the financial advisory industry. He has worked at Corient and its affiliated entities since 2016, including roles at Ci Brightworth and CIPW Service Company, LLC. Farmer is based in Charlotte, NC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach that integrates proprietary strategies with third-party managers and employs risk management tools to align portfolios with client objectives.

Gerard Nieters is a financial advisor with Principal Financial Services in Charlotte, NC, holding Series 63 and Series 65 designations and 24 years of industry experience. He has worked at Sage Financial Partners since 2006 and has been affiliated with Principal Life Insurance Co. and Principal Securities Inc. since 2003. Outside of his advisory role, he is involved in selling group and individual health insurance as well as other insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Kevin Renz is a financial advisor at First Citizens Investor Services, Inc. with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC. First Citizens Investor Services, Inc. provides investment advisory and brokerage services to a diverse client base including individuals, trusts, estates, charitable organizations, pension plans, and business entities. The firm’s approach combines risk- and outcomes-based asset allocation with discretionary and non-discretionary management, supported by fundamental, quantitative, and technical analysis, as well as automated model portfolios and tax-aware services.

Jackey Webb is a financial advisor with First Citizens Investor Services, Inc. in Waynesville, NC, holding a Series 66 designation and 14 years of industry experience. Prior to joining First Citizens in 2015, Webb worked at WPTL Radio from 2017 to 2024 and has volunteered as a PA announcer for Pisgah High School sports since 2016. Webb also serves as Vice President of the Pisgah High School Athletic Booster Club and is the 3rd Vice-President of the Canton Lions Club. First Citizens Investor Services, Inc. offers investment advisory and brokerage services to a diverse client base, including individuals, trusts, estates, and pension plans. The firm combines fundamental, quantitative, and technical analysis with discretionary and non-discretionary management, supported by integrated banking resources through its affiliation with a bank holding company.

Joseph Vaughn is a financial advisor with Guardian Life in Charlotte, NC, holding Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Guardian Life in 2026, he worked at LPL Financial from 2023 to 2026. Guardian Life’s subsidiary, Park Avenue® Wealth Management, serves individuals, pension and profit-sharing plans, charitable organizations, and corporate clients by providing brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs.