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® professional with 16 years of industry experience, currently serving as a financial advisor at Vanguard Advisers. His career includes roles at The Vanguard Group, Looking Forward Financial LLC, P.J. Robb Variable Corp., BB&T/Crump Life Insurance Services, Merrill, Banc of America Investment Services, and Wells Fargo Clearing. 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 employs a goal-based, algorithm-driven investment approach using proprietary models and offers a range of portfolio customization options, leveraging Vanguard funds and ETFs.

Quinston Little is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at TIAA, Wells Fargo Advisors, and The Vanguard Group. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and employer-sponsored plan participants, utilizing a goal-based, algorithm-driven approach with portfolios composed mainly of Vanguard funds and ETFs. The firm serves a large client base through its combination of digital platforms and human advisors.

John Francis is a financial advisor at Wells Fargo Clearing with a Series 63 designation and one year of industry experience. Before joining Wells Fargo, he worked at Uber Technologies and has an educational background including roles at NC State University, Ashbrook High School, and Piedmont Charter Middle School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Robert Keller Jr. serves as a Wealth Management Advisor and is a partner in the Utz Keller Wealth Management Group based in Huntersville, NC. He offers wealth management services through Merrill Lynch Wealth Management, aiming to provide personalized financial strategies tailored to the specific needs of entrepreneurs, executives, retirees, business owners, and their families. Robert holds a Master's Degree and a Bachelor's Degree from East Carolina University. He has earned several 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 includes corporate executive services, divorce transition planning, executive and equity compensation, family wealth management, retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. In addition to his professional work, Robert is involved in community activities and volunteers with the American Legion. He emphasizes providing service that combines the personalized care of a boutique firm with the resources of Merrill and Bank of America to meet client goals.

Olivia Kennedy is a Financial Advisor with the Utz Keller Wealth Management Group at Merrill Lynch Wealth Management. She works with individuals and families to provide comprehensive wealth management planning tailored to their unique goals. Her expertise includes retirement income feasibility, portfolio management, equity compensation services, tax minimization, legacy planning, and managing new wealth. Olivia holds a Bachelor of Science degree 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). She is active in her community, holding leadership roles with the Rotary Club of North Mecklenburg and Folds of Honor Western Carolina Chapter. Outside of her professional work, Olivia enjoys spending time outdoors on her farm in Mount Ulla, hiking, practicing yoga, and boating on Lake Norman with her family.

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® certified financial advisor with 13 years of industry experience. He has worked at Vanguard Advisers since 2017 and has been affiliated with related Vanguard entities since 2013. Based in Charlotte, NC, Cascio holds a Series 63 license. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with proprietary models to create personalized asset allocations, managing a large client base through a combination of digital platforms and advisor teams.

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.

Mark Mccall is a CFA® charterholder with 18 years of experience in the financial industry. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Citigroup Global Markets Inc for four years. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and modeling tools but does not include individual security recommendations as part of its standalone financial planning offering.

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® with seven years of industry experience and is currently an advisor at Vanguard Advisers. He has worked at several firms, including TMD Wealth Management LLC and Runey and Associates Wealth Management. Palmer serves on the Texas Tech Personal Financial Planning Alumni Advisory Board, where he mentors students in the program. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm’s goal-based, algorithm-driven approach uses proprietary methodologies to construct personalized portfolios primarily composed of Vanguard funds and ETFs.

Angelique Harris is a financial advisor with Edward Jones in Mooresville, NC, holding the ChFC® designation and Series 63 and Series 66 licenses. She has five years of industry experience, including over a decade at TIAA Kaspick prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a broad range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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® certificant with 11 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He holds the Series 66 designation and is based in Davidson, NC. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from the Wells Fargo Investment Institute.

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 the Series 66 and Series 63 designations and has previously worked at Merrill Lynch, Bank of America, and MCJ Consulting. He is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice through its Digital Advisor and Personal Advisor services, serving retail investors and retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and primarily invests in 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 with three years of industry experience. His prior work includes roles at Trinity Wealth Securities, Florida Financial Advisors, and Tristate Financial Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a discretionary advisory program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. Their process integrates centralized due diligence with quantitative and qualitative research and includes a broader derivatives and commodities capability compared to many institutional advisory programs.