Robert Treff is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning services and ongoing discretionary management, utilizing model portfolios or customized portfolios managed under client-approved investment policies.

Ethan Cummings is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF, he worked at Carolina Housing and Harris Teeter. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers a range of investment management options including model and customized portfolios and acts as adviser to a donor-advised fund.

Alfredo Negrete Abreu is a financial advisor with TIAA-CREF holding a Series 66 designation and one year of industry experience. His prior roles include positions at Merrill, Bank of America, UBS Financial Services, and Fisher Investments. Outside of his advisory work, he has worked as a rideshare contractor for Uber Technologies. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and managed account programs primarily to individuals connected through employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers a range of discretionary management options that include model portfolios and customized portfolios managed under client-approved investment policies.

Haley Brehm is a financial advisor with Rockefeller Financial LLC in Charlotte, NC, holding a Series 66 designation and four years of industry experience. Her background includes roles at Goldman Sachs & Co. LLC and Ayco. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients and corporations. The firm provides portfolio management, financial planning, and brokerage services through a Private Advisor model and a consolidated investment platform.

Joseph Norton is a CFP® with 22 years of experience in the financial services industry. He has worked at Creative Planning since 2021 and previously held roles at Alaris Acquisitions and The Vanguard Group. He is based in Charlotte, NC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting and selective private market exposure.

Kayla Stern is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and nine years of industry experience. Her prior work includes roles at Rover and TD Ameritrade. Outside of her advisory role, she owns an Etsy shop selling children's clothing. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals associated with TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management through various managed account options.

James Baugh is a financial advisor with Truist Advisory Services holding a Series 66 designation and eight years of industry experience. His career includes prior roles at Wells Fargo Bank, Wells Fargo Clearing, J.P. Morgan Securities, and JPMorgan Chase Bank. Baugh is currently based in Charlotte, NC. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, participant advice, and a manager-selection program that combines discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Christopher Horne is a financial advisor at TIAA-CREF in Charlotte, NC, holding a Series 66 designation with five years of industry experience. He has been with TIAA-CREF since 2020 and previously worked at SABIC from 2014 to 2017. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing discretionary management using model or customized portfolios, operating within a vertically integrated group that includes affiliated funds and donor-advised fund advisory services.

Jacob Whitaker is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Waddell and Reed, and Target Corporation. Whitaker also serves as a soldier in the United States Army Reserve. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plan relationships. The firm offers advisory services that combine one-time financial planning with ongoing portfolio management through model and customized portfolio options.

Samaria Frazier is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with TIAA and TIAA-CREF Individual & Institutional Services since 2001. Outside of her advisory role, she owns and manages rental property. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm also offers referrals to affiliated services and acts as adviser to a donor-advised fund.

Robert Russo is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He has been associated with LPL Financial since 2007. Outside of financial advising, he owns a restaurant called Philly's Phinest (Lee's Hoagie House) and operates a technology business, We Handle Tech, LLC. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans. The firm offers a range of services such as asset management, financial planning, and retirement plan consulting, implementing portfolio strategies through discretionary and non-discretionary management supported by various analytical techniques and technology platforms.

Thomas Owens III is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 designation and 19 years of industry experience. He has been with First Citizens Bank and First Citizens Investor Services since 2011. Owens serves as an officer and director and is a member of the Finance Committee at Deerfield Episcopal Retirement Community, a nonprofit organization. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses fundamental, quantitative, and technical analysis to manage portfolios including equities, fixed income, mutual funds, and ETFs, offering a range of solutions such as model portfolios, wrap programs, and tax-aware services.

Katherine Mazzucco is a financial advisor at TIAA-CREF with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked in various capacities at TIAA and Alight Financial Advisors. Her background also includes roles at Branch Banking & Trust Company and the University of North Carolina at Charlotte. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals linked to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides a range of service models including plan delivery and ongoing portfolio management with customized investment options and operates within a vertically integrated structure that includes affiliated funds.

Andrew Bain is a financial advisor at TIAA-CREF with 27 years of industry experience. He has been with TIAA-CREF since 2005 and holds Series 63 and Series 65 licenses. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers point-in-time planning services alongside ongoing portfolio management, using both model and customized portfolios, and serves as adviser to a donor-advised fund within a vertically integrated investment structure.

Jason Cross is a CFP® professional with 12 years of industry experience, currently serving as an advisor at Corient. His prior work includes roles at Ci Brightworth and CIPW Service Company. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional entities. The firm utilizes a goals-based, team investment approach that combines in-house strategies with third-party managers, employing risk management tools and alternative investments to align portfolios with client objectives.

Michelle Kuzma Kempf is a financial advisor with Hightower Advisors in Charlotte, NC, holding a Series 66 designation and 20 years of industry experience. She has been with Hightower Advisors and its affiliated broker-dealer since 2011. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, offering multi-manager solutions that include affiliated and third-party managers, discretionary and non-discretionary portfolio management, and access to pooled and private investment vehicles.

Christine Dixon is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management, applying a fiduciary standard across its services.

Bert May Jr. is a financial advisor with MAI Capital Management, LLC in Charlotte, NC, holding a Series 66 credential and 24 years of industry experience. He has worked at The Leaders Group since 2014 and maintains a long-term role with Learfield Communications, Inc. as a radio analyst for UNC football. MAI Capital Management provides discretionary and non-discretionary investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, and institutional clients. The firm manages multiple asset classes and investment strategies through in-house and third-party managers, and also serves as adviser to a registered mutual fund and several private investment vehicles.

Matthew Johnson is a financial advisor with Truist Advisory Services in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. He has worked at BB&T Securities, LLC since 2019 and has been with SunTrust Advisory Services, SunTrust Investment Services, and SunTrust Bank since 2014. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary management strategies. The firm integrates inter-affiliate resources and employs AI-enabled tools through its Equity Research team to support manager selection and investment oversight.

Kristina Wicks is a financial advisor at TIAA-CREF with four years of industry experience. She holds a Series 66 designation and has worked at TIAA-CREF since 2021. Prior to her current role, she was employed at Rochester Institute of Technology and Binghamton Country Club. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing ties to TIAA-administered employer retirement plans. The firm provides both point-in-time financial planning and ongoing portfolio management, applying a fiduciary standard across its RIA services.