Matthew Gorham Jr. is a financial advisor at Merrill in Charlotte, NC, holding a Series 66 credential with five years of industry experience. His prior work includes roles at Bank of America and Endurance International Group. 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 plans, corporations, and charities with model-based and discretionary investment strategies.

Thomas Thalman is a financial advisor at Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses with 39 years of industry experience. He has worked at Merrill since 2002 and has been with Bank of America, N.A. since 2017. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Smith Jr. is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 credentials and having 30 years of industry experience. He has worked at Merrill since 2007 and at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a fiduciary in several capacities, including power of attorney, executor, and trustee for family-related trusts. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Abigail Hough is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at Goldman Sachs, Charles Schwab, and TD Ameritrade. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Samuel Yarborough is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Waddell & Reed, and Rhodes College. 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, offering both model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Robert Cushman is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation and four years of industry experience. His work history includes roles at Digital Intelligence Systems and Wells Fargo Clearing Services LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and manages approximately $671 billion in assets with over 14,000 financial advisors.

Stephen Cowan is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 and Series 63 designations and has previously worked at Merrill and Wells Fargo Bank NA. He serves as a board member for Faith Academy Charter School, participating in governance and board meetings. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and combines research-driven portfolio strategies with access to a broad range of financial products through its bank and insurance affiliates.

Seth Shimansky is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63, 65, and 66 licenses. He has 33 years of industry experience and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individuals, corporations, and institutions. The firm combines brokerage and advisory solutions while relying on research from Wells Fargo Investment Institute and third-party sources to guide investment decisions.

Samuel Zobel is a financial advisor at Fidelity with three years of industry experience. He holds Series 66 and Series 63 designations and has worked previously at Merrill Lynch, Bank of America, and Charles Schwab. Outside of his advisory roles, he co-founded Money Made Easy Financial Coaching LLC. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic methods and serves as an advisor to multiple registered investment companies and fund-of-funds.

Frank Burgaretta Jr. is a financial advisor at J.P. Morgan Securities in Charlotte, NC, holding Series 63 and Series 66 licenses with 17 years of industry experience. His prior experience includes eight years at both Bank of America and Merrill, as well as three years at PNC. 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 and fund searches, and customized performance reporting within a non-discretionary program. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG considerations through a manager solutions team.

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 CFP® professional with 11 years of industry experience, currently with OSAIC Wealth Inc in Charlotte, NC. His prior experience includes roles at Wells Fargo Clearing Services, Bank of America, and Merrill. He serves as a board member for the nonprofit Beds for Kids and holds ownership interests in two restaurant ventures in Atlanta. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach utilizes model-based asset allocation, portfolio optimization, and access to third-party money managers and proprietary strategies.

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 designations and having 27 years of industry experience. He has been with Wells Fargo Clearing since 2016. Aside from his advisory role, he holds power of attorney responsibilities for family members. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 advisors and offers a range of brokerage and advisory solutions.

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 designations and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wachovia Securities, Inc. in 2002. Outside of his advisory role, he is a 25% owner of a rental business in Hickory, NC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Paul Pham is a financial advisor at Merrill with Series 66 and Series 63 licenses and two years of industry experience. He previously worked at Vanguard Marketing Corporation and Lombard International Assurance. Pham’s background also includes roles at Bank of America and various other companies. 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 plans, corporations, and charitable organizations.

Michele Loy is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 licenses and 31 years of industry experience. She has been with Wells Fargo Clearing since 2016 and concurrently operates Bearclaw Enterprises, LLC. Loy serves as a board member of Montessori at Sandy Ford in Hickory, NC, where she participates in budget approval and financial oversight. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions backed by research from Wells Fargo Investment Institute and third-party databases.