Stephen Burgess is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing investment advice to individuals, families, and businesses by gaining a comprehensive understanding of their short- and long-term financial objectives. With 35 years of experience in the financial services industry, Stephen joined Merrill Lynch Wealth Management in 2008. Prior to this, he practiced as a Certified Public Accountant (CPA) for eight years. He holds a bachelor's degree in Accounting from Florida State University and has earned the Personal Investment Advisor (PIA) designation.

Karly Krueger is a financial advisor at Merrill based in Charlotte, NC. She holds a Series 66 credential and has one year of experience in the industry. Prior to joining Merrill and Bank of America, she held various roles across multiple industries including technology and retail. Merrill 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, and institutional investors.

Delvin Joyce is a CFP® and ChFC® with 20 years of experience in financial services. He currently works with LPL Enterprise and has a long tenure with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of advising, he is an ESPN broadcaster for college football games and hosts a related podcast. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s research team and third-party strategists, and it offers access to financial planning, asset management, and affiliated insurance and trust services.

William Murray is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 designations and with 19 years of industry experience. He previously worked at Wells Fargo Clearing for six years and has operated a bicycle repair and sales business, Bike Source, since 2003. 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 both model-based and discretionary investment strategies for a range of individuals and institutional clients.

Marelle Sylvester is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Merrill, LPL Financial, and Randstad. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Douglas Morra II is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2019. His prior experience includes positions at Bank of America and Northwestern Mutual, as well as roles outside finance such as with The Pool Guys. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers. The firm serves a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Johnathan Lowery is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and 17 years of industry experience. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Securities Corporation for 17 years and has been associated with Wealth Financial Planners since 2007. Outside of his advisory role, Lowery is an insurance agent offering a range of products including accident, disability, long-term care, and life insurance. OSAIC serves a diverse client base comprising retail and institutional investors, providing a variety of brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, and it is notable for its scale, affiliate network, and recent consolidation activity.

Candace Cline is a CFP®-certified financial advisor with UBS Financial Services in Charlotte, NC, bringing 19 years of industry experience. She has been with UBS since 2010. Outside of her advisory role, she serves on the board of directors for the Park Terrace Towns Owners Association, where she assists with community maintenance oversight. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory solutions, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and leverages proprietary research to tailor strategies to clients’ goals and risk tolerances.

Ariana Larriviere is a financial advisor at Fidelity with six years of industry experience and a Series 66 designation. Her work history includes roles at Fidelity Investments and Raymond James and Associates. Prior to her finance career, she worked in a psychiatric office and spent several years at Florida Atlantic University. She is part of Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and provides oversight of affiliated and unaffiliated sub-advisers.

Tyler Fortanascio is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 designations and has worked at Fidelity Brokerage Services LLC since 2018, with prior experience at Black Diamond Networks and Enterprise Holdings. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm also employs systematic methodologies and serves as a registered commodity pool operator with a formal advisory role to multiple registered investment companies and fund-of-funds.

Thomas Fischer is a financial advisor at UBS Financial Services with seven years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing and AXA Advisors, LLC. Fischer is based in Charlotte, NC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Daniel Wood is a Financial Consultant at Fidelity Investments, where he partners with clients to pursue their financial goals through personalized planning strategies. He has held several positions at Fidelity Investments in 2024, including Investment Consultant and Financial Representative. Prior to joining Fidelity, Daniel worked as a Business Analyst at McKinsey & Company from 2022 to 2023. He also gained experience in the financial sector through roles at Wells Fargo, including Financial Crimes Specialist and Corporate Risk Associate between 2020 and 2022. Earlier in his career, Daniel held internship positions focused on financial and budget analysis at Dominion Energy in 2018 and 2019. Outside of his professional work, Daniel has interests in baseball, beach activities, music, pets, and snowboarding.

Kevin Sexton is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Merrill since 2009, with a brief tenure at Bofa Securities, Inc. in 2019. Outside of his advisory role, he is the owner of Silver Moss Management LLC, which provides commercial real estate transaction advisory and property management services. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ethan Kirby is a financial advisor at J.P. Morgan Securities in Charlotte, NC. He holds a Series 66 designation and has been in the industry since 2025, with prior experience at Ameriprise Financial and Baker Tilly Advisory Group. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a combination of quantitative screens and qualitative research to develop model asset allocations and integrates ESG criteria within its recommendations.

Bret Cozewith is a financial advisor at Primerica Advisors with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors and Primerica Financial Services since 2007. Outside of his advisory role, he owns the Bret Cozewith Group, which supports his Primerica business. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a network of over 3,600 advisors and utilizes model-based investment strategies managed by unaffiliated asset managers.

Darius Wall is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 17 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wachovia Bank, N.A. starting in 2006. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm utilizes research and analytics to guide its investment approach and offers a range of brokerage and advisory solutions.

Renee Pilat is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Merrill since 2021 and previously held roles at Citigroup and Key Bank. Outside of her financial career, she was involved with Break N Eggs and the University at Buffalo for four years. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Sam Robinson IV is a CFP® professional with 26 years of experience in the financial services industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Merrill and TIAA-CREF. Based in Charlotte, NC, Robinson holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Amy Wyatt is a financial advisor at Robert Baird & Co. with 28 years of industry experience. She has been with Robert Baird since 2013 and holds Series 63 and Series 66 designations. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and other institutional clients. The group offers customized consulting and portfolio management services using a variety of strategies and managers tailored to client goals and risk tolerances.

James Todd Sr. is a financial advisor with Mass Mutual Investors Services in Charlotte, NC, holding the CFP® and ChFC® designations and possessing 35 years of industry experience. He has been with Mass Mutual and its affiliated entities since 2009. Outside of his advisory role, he owns land that is being considered for leasing to build solar panels. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning without discretionary investment management.