Ericka Robinson is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2014. Outside of her advisory role, Robinson also works part-time as a delivery driver for Uber Technologies Inc. and DoorDash Inc. 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 individuals, high-net-worth clients, and various institutional investors.

Jason Lang is a financial advisor with LPL Financial based in Fort Mill, SC. He holds Series 63 and Series 65 licenses and has 19 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Dmi, and Symetra Securities, among others. Outside of his advisory work, he is involved in the resale of New England Patriots tickets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and retirement advice through a large network of investment adviser representatives.

Courtney Joyner is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has prior work history at Stanley Black and Decker and North Carolina State University. Outside of advisory work, she is a fitness instructor at Corepower Yoga in Charlotte, North Carolina. 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 uses structured discovery and modeling tools, serving clients primarily in an advisory capacity.

Robert Tancredi is a Series 66 licensed financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities in Charlotte, NC, where he has been since 2021. His prior experience includes roles at Bank of America, Merrill Lynch, and other firms. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process incorporates quantitative and qualitative research to develop model asset allocations and includes capabilities in derivatives and commodities.

Andrew Kaplan is a financial advisor with Merrill based in Charlotte, NC, holding Series 65 and Series 66 credentials and 28 years of industry experience. He has been with Merrill since 1998 and associated with Bank of America since 2009. Outside of his advisory work, he has a hobby of making and selling pottery, which he has pursued since he was 13 years old. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Feld is a financial advisor at Morgan Stanley in Charlotte, NC, holding a Series 66 credential and with two years of industry experience. Before joining Morgan Stanley in 2023, he worked at Kilroys Sports Bar and Grill and was involved with Indiana University's Student Recreation Center. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, including tailored financial planning and a broad range of investment services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and research to support its advisory services.

Noah Jedlowski is a financial advisor with LPL Financial holding a Series 66 designation. He has less than one year of industry experience and previously worked at several firms including Prudential Financial and ClearPlan Wealth Management. Outside of finance, he has held roles at country clubs and educational institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of advisors and advanced operational tools.

Michael Stack is a financial advisor with LPL Enterprise in Charlotte, NC, holding a Series 66 designation and having one year of industry experience. His background includes roles at Morgan Stanley and the Augusta National Golf Club. Outside of advisory work, he is involved with a non-variable insurance agency. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm employs a model-driven investment approach using portfolios developed by internal research and third-party strategists, and it offers a range of financial planning and consulting services.

Kelley Acosta is a financial advisor at Merrill with 28 years of industry experience. She holds Series 63 and Series 65 designations and has been with Merrill Lynch for 25 years. 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 investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Brown Sr. is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services Inc. Outside of financial advising, Brown owns and operates an IT consulting company. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm utilizes a multi-advisor platform offering brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization.

Thomas Kalbaugh is a financial advisor with LPL Financial in Fort Mill, SC, holding a Series 66 designation and one year of industry experience. His prior work experience includes roles in both financial services and other industries, such as at Cape Fear Collision and University of North Carolina Wilmington. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a large network of advisors.

Elizabeth Marquardt is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has been with Merrill since 2017. Prior to joining Merrill, she worked at the University of North Carolina at Charlotte from 2015 to 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Colin Larsen is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63 and Series 65 licenses and having two years of industry experience. His prior roles include positions at Pennington Partners & Co., University of Colorado, and NFP Retirement, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Geoffrey Elliott is a financial advisor with Morgan Stanley in Charlotte, NC, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at UBS Financial Services Inc. and Bankers Life. Outside of finance, he occasionally performs maintenance on a rental property managed by his spouse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling in its financial planning process.

Albert Stephens III is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds the Series 66 designation and previously worked at First Citizens Investor Services, First Citizens Bank, Bank of America, and Merrill. Stephens serves on the Gaston County Board of Education, where he participates in setting policy and operational guidelines. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven advisory services that include investment policy preparation, investment recommendations, performance reporting, and participant education. The firm acts as an ERISA fiduciary and offers discretionary investment management options, incorporating a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Jennifer Godsey is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. She has been with Merrill since 2009 and also maintains a role at Bank of America, where she has worked since 2011. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ronald Schroeter is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at BB&T Investment Services, Merrill, and Morgan Stanley. Outside of his advisory work, he is involved in home construction through Garland Construction. Wells Fargo Advisors serves individual, corporate, and institutional clients by providing investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to support its investment approach and offers a broad range of brokerage and advisory solutions.

Nicholas Nielsen is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Raymond James Financial. His prior roles include advisory positions at Independent Advisor Alliance, LPL Financial, and SunTrust Advisory Services. Outside of his advisory work, he is an author of the book *Visual Finance* and serves as an ESPN+ analyst for the NJCAA Basketball Tournament. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individual investors, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Daniel Pham is a financial advisor at Merrill in Charlotte, NC, holding Series 63 and Series 65 licenses with one year of industry experience. His work history includes positions at Bank of America, Merrill, DYSIS, Wells Fargo Clearing Services, and other firms dating back to 2019. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gray Daus is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 25 years of industry experience. His career includes roles at BB&T Investment Services and Merrill prior to joining Wells Fargo Clearing in 2016. Outside of his advisory work, he manages timber land and rental properties in North and South Carolina. 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions through a large network of advisors.