Samuel Zobel is a financial advisor at Fidelity with Series 66 and Series 63 credentials and three years of industry experience. His prior work includes roles at Merrill Lynch, Bank of America, Charles Schwab, and his own consulting and financial coaching firms. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple registered investment companies and fund-of-funds.

Frank Burgaretta Jr. is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Bank of America, Merrill, and PNC. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Graham Murphy is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial and Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. 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.

David Buffie is a financial advisor at Osaic Wealth Inc. with 11 years of industry experience. He holds the CFP® and Series 66 credentials and has prior experience with Wells Fargo Clearing Services, Bank of America, and Merrill. Buffie serves as a board member for the nonprofit Beds for Kids and holds ownership interests in two restaurant businesses in Atlanta. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, financial planning, retirement consulting, and access to third-party money managers. The firm uses various asset-allocation tools and supports both discretionary and non-discretionary portfolio management to serve individual investors, corporations, pension plans, and charitable organizations.

Jennifer Joyner is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management, where she has been serving clients for nearly ten years. She is committed to delivering clear, strategic financial guidance that helps clients preserve their assets and plan confidently for the future. Jennifer works collaboratively with affluent individuals and families to develop tailored financial plans that balance and prioritize competing financial goals throughout every stage of their financial journeys. Jennifer began her career with Bank of America nearly eleven years ago and pursued licensing examinations such as the Series 7 and 66. Her professional designations include Certified Divorce Financial Analyst (CDFA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She holds a High School Diploma from Eastgate Christian Academy. Raised in Maine in a military family, Jennifer values discipline, service, and integrity, principles that inform her approach as a financial advisor. She is a mother to two teenage sons and enjoys spending time cooking, camping, reading, traveling, and engaging with her non-denominational church community.

Justin Coton is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Edward Jones since 2017 and previously worked at Dorman Financial Management from 2016 to 2017. 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 offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christopher Barr is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Barr also manages an LLC unrelated to his advisory work and serves as power of attorney for family members. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven investment approach incorporates modern portfolio theory and includes a wider range of financial product options than many peers, such as insurance-related vehicles and bank deposit sweep programs.

Steven Gower is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2022 and at Bank of America, N.A. since 2024. Prior to his financial career, he was affiliated with the College of Charleston and the Acoaxet Club. Merrill, together 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 using model-based and discretionary investment strategies.

Carson Tennyson is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he worked at Arthur Rutenberg Homes and Better Homes and Gardens. He serves on the board of the Charlotte Tennis Association Pro League, where he recruits female professional tennis players and helps plan charity events. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Sowers is a financial advisor with Wells Fargo Clearing in Davidson, NC, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is a 25% owner of Collard Greens Holdings LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines proprietary research with third-party analytics and offers both brokerage and advisory solutions across a wide range of financial products.

Paul Pham is a financial advisor with Merrill in Charlotte, NC, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to Merrill, he worked at Vanguard Marketing Corporation for two years and Bank of America, N.A. for one year. 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 a range of model-based and discretionary investment strategies.

Michele Loy is a financial advisor with Wells Fargo Clearing in Morganton, NC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves on the board of Montessori at Sandy Ford in Hickory, NC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach 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.

Monica Snider is a financial advisor at Merrill with 30 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill since 2009. Monica also has a concurrent role at Bank of America, N.A., where she has worked since 2006. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rhonda Oliver is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She previously worked at LPL Financial for 10 years before joining Wells Fargo Clearing in 2018. Outside of her advisory role, she owns Ella D's Boutique, a retail business specializing in jewelry, handbags, and accessories, and serves on the finance committee of Chappell Memorial Baptist Church. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary options tailored to plan objectives and risk tolerances. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, distinguishing it among large institutional advisers.

Jackson Webber is a CFP® with four years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2025. Prior to joining Wells Fargo, he worked at The Vanguard Group for four years and held brief roles at New York Life and as a self-employed advisor. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad client base including individuals, corporations, and institutions. The firm offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Hideki Morales is a Financial Advisor with Merrill Lynch Wealth Management in Charlotte, North Carolina. He works with individuals and families to support informed and confident financial decision-making by focusing on their unique goals and priorities. His professional approach is grounded in building lasting relationships based on trust, transparency, and consistent communication. Mr. Morales has experience in financial services with expertise in family wealth management strategies, portfolio management, and retirement income planning. He holds FINRA registrations including the SIE, Series 7, and Series 66, along with a Life and Health insurance license. Additionally, he carries the Personal Investment Advisor (PIA) designation, which contributes to his broad perspective on clients' financial situations. He earned a Bachelor's Degree from Southern Connecticut State University and communicates fluently in both English and Spanish. Outside of work, Mr. Morales enjoys activities such as basketball, camping, cooking, golfing, hiking, music, soccer, and spending time with his family.

Christine Kearse is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and nine years with Merrill since 2017. Prior to her advisory role, she spent three years as a homemaker. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Stephanie Lyman is a financial advisor with Merrill in Charlotte, NC, holding Series 66 and Series 63 credentials and 11 years of industry experience. She has worked at Merrill and Bank of America since 2016 and previously held various roles at SunTrust and SunTrust Investment Services since 2010. Outside of her advisory role, she is involved in managing a family LLC for a long-term land investment. Merrill, along 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 offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristina Chuprevich is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to that, she was involved with Charlotte Motor Speedway for eight years and briefly operated Chuprevich Affordable Real Estate. 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 under management and offers a range of advisory strategies, including both discretionary and non-discretionary options, along with affiliated mutual funds and a proprietary money market fund.

Barrie Hewlett III is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 28 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm employs an IPS-driven approach grounded in modern portfolio theory and includes insurance-related vehicles and bank deposit sweep options among its investment offerings.