Christine William is a Series 66 licensed financial advisor at TIAA-CREF with one year of industry experience. Prior to joining TIAA-CREF, she worked in various roles including at UNC Charlotte and several retail and food service companies. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management, utilizing model and customized portfolios under a fiduciary standard.

Thomas Harless is a CFP® professional with 22 years of experience in the financial services industry. He is currently with PNC Wealth Management and has previously worked at Fisher Investments, PNC Investments, and E*Trade Securities. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital account offering that uses algorithm-driven risk assessment and third-party managed strategies primarily implemented with mutual funds and ETFs.

Ashley Montesdeoca is a financial advisor at TIAA-CREF with a Series 66 designation and three years of industry experience. Prior to joining TIAA-CREF, she held positions at Sylvan Learning, Walmart, and the University of North Carolina at Charlotte. 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 connected to TIAA-administered employer retirement plans. The firm operates a fiduciary advisory model with both point-in-time planning and ongoing portfolio management services.

James Kirby is a ChFC® credentialed advisor with 41 years of industry experience, currently serving at Equity Services, Inc. since 1998. He has prior experience with National Life of Vermont dating back to 1994. Outside of his advisory work, Kirby is a high-performance driving instructor and serves as a board member for a homeowners association. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms combining long-term strategies with options for shorter-term trading and utilizes third-party asset managers and model portfolios.

Barry Teague is a financial advisor with Equity Services, Inc. in Charlotte, NC, holding the ChFC® and Series 63 designations and bringing 55 years of industry experience. He has been with Equity Services and National Life since 1977. Outside of his advisory work, he serves on the board of a nonprofit that provides counseling and emotional support for people with terminal cancer and is president of a local social club. Equity Services, Inc. (EFA) offers financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm operates as both a broker-dealer and SEC-registered investment adviser, utilizing multiple advisory platforms and third-party managers to provide a combination of long-term strategies and specialized investment options.

Nicholas Wernli is a financial advisor at TIAA-CREF with one year of industry experience. He holds the Series 66 designation and has worked previously at Consolidated Planning LLC and Raymond James Financial Services. His background also includes roles in education at UNC Charlotte and Central Piedmont Community College. 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 TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing discretionary management through customized and model portfolio services.

David Landrum is a financial advisor at Schwab Wealth Advisory with one year of industry experience. He holds the Series 66 designation and has previously worked at Charles Schwab & Co., Charles Schwab Bank SSB, and several other firms across different industries. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s advice is based on standard asset-allocation models and internal research tools, with investment selections executed only upon client authorization.

Justin Conkling is a financial advisor at TIAA-CREF with four years of industry experience. He holds a Series 66 designation and previously worked at Accenture and several roles involving educational institutions and service industries. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement plans. The firm separates financial planning services from ongoing discretionary management and offers both model and customized portfolio options under a fiduciary standard.

Steven Rogers is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and with 15 years of industry experience. He has been with TIAA-CREF and Tiaa since 2008, serving the firm for a total of 15 years. 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 with existing connections through TIAA-administered employer retirement plans. The firm combines point-in-time planning with ongoing managed account services and acts as adviser to a donor-advised fund, operating within a vertically integrated structure that includes affiliated funds.

Christopher Mahoney is a financial advisor at Janney Montgomery Scott with 48 years of industry experience. He holds a Series 63 designation and has been with Janney Montgomery Scott since 2010. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, corporate and retirement plans, and charitable organizations, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Natasha Crowell is a financial advisor at TIAA-CREF with 25 years of industry experience. She has held her current position at TIAA-CREF since 2002 and holds Series 63 and Series 65 licenses. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm provides both point-in-time financial planning and ongoing discretionary management, serving clients often connected to TIAA-administered retirement plans.

Christopher Graper is a CFP®-certified financial advisor with 16 years of industry experience. He is currently with Janney Montgomery Scott in Charlotte, NC, where he has worked since 2020. His prior experience includes roles at Stifel Nicolaus, Wells Fargo Clearing, Morgan Stanley, and Morgan Keegan. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base and offers comprehensive financial planning, brokerage services, and advisory programs supported by in-house portfolio management and third-party managers.

Rahul Tumkur is a financial advisor at TIAA-CREF with three years of industry experience. He holds a Series 66 designation and has worked at various TIAA entities since 2021. Outside of his advisory role, he has worked as a delivery driver for a food delivery service. 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 connected to TIAA-administered employer retirement plans. The firm offers customized portfolio management alongside model portfolio options and acts as adviser to a donor-advised fund.

John Rickelton is a financial advisor with Equity Services, Inc. in Charlotte, NC, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been with Equity Services, Inc. and National Life of Vermont since 1985. Outside of his primary advisory work, he consults with business owners on buy/sell agreements through his sole proprietorship, Rickelton & Associates. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms utilizing third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading.

Ashley Schuster is a financial advisor with Truist Advisory Services in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. Her career includes roles at Truist Advisory Services since 2021, as well as previous positions at Bb&T Securities and BB&T Investment Services. Truist Advisory Services offers investment consulting, financial planning, portfolio management, and retirement plan services to a diverse client base, including individuals, corporations, plan sponsors, and charitable organizations. The firm combines traditional research with AI-enabled tools and provides ongoing client reviews, leveraging its broad financial and operational affiliations.

David Nantau is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Charles Schwab, TD Ameritrade, E*Trade Securities, Wells Fargo Clearing Services, and Regions Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing in its planning process and serves a large participant base relative to its advisor headcount.

Robert Maloney is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Howard Hanna Mortgage Services and Allen Tate Mortgage. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and businesses. The firm emphasizes IAR-led financial assessments and utilizes fundamental, quantitative, and technical analysis for portfolio allocation across various investment vehicles.

Thomas Roediger is a financial advisor with Truist Advisory Services in Charlotte, NC, holding Series 63, Series 65, and Series 66 licenses and bringing 29 years of industry experience. He has worked at multiple firms including BB&T Securities, PNC Wealth Management, and National Planning Corporation. Truist Advisory Services provides investment consulting, financial planning, portfolio management, and retirement plan services to individuals, corporations, plan sponsors, and charitable organizations. The firm utilizes a combination of traditional research and AI-enabled tools to support its advisory process and offers services through multiple affiliated financial entities.

Thomas Farmer is a CFP® and holds a Series 66 license with 19 years of experience in the financial advisory industry. He has worked at Corient and its affiliated entities since 2016, including roles at Ci Brightworth and CIPW Service Company, LLC. Farmer is based in Charlotte, NC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and corporate entities. The firm uses a goals-based, team investment approach that integrates proprietary strategies with third-party managers and employs risk management tools to align portfolios with client objectives.

Gerard Nieters is a financial advisor with Principal Financial Services in Charlotte, NC, holding Series 63 and Series 65 designations and 24 years of industry experience. He has worked at Sage Financial Partners since 2006 and has been affiliated with Principal Life Insurance Co. and Principal Securities Inc. since 2003. Outside of his advisory role, he is involved in selling group and individual health insurance as well as other insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, charitable organizations, corporations, and active-duty military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.