Michelle Huggins is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. She has been with TIAA since 2005. Outside of her advisory role, she owns a condo vacation rental in Myrtle Beach, South Carolina. 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, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm acts as adviser to a donor-advised fund and delivers planning services separately from ongoing discretionary management through model and customized portfolios.

Stephen Bonjour is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at TIAA and TIAA-CREF Individual & Institutional Services, LLC since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and 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 both point-in-time planning services and ongoing discretionary portfolio management under a fiduciary standard, including customized portfolio options and advisory services for donor-advised funds.

Colman Pierzchala is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 23 years of industry experience. He has been with TIAA-CREF since 2004. Outside of his advisory role, he serves as a consultative member of the Mission Board at Good Shepherd United Methodist Church, involved in community outreach activities. TIAA‑CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services to individuals and various entities, often supporting clients with existing TIAA-administered retirement plans. The firm offers both point-in-time financial planning and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Brandie Fintchre is a CFP® with 17 years of experience in the financial services industry. She is currently with First Citizens Investor Services, Inc. and First Citizens Bank, having previously worked at PNC Investments. She serves as a Finance Committee Advisor for the Emily Krzyzewski Center, a nonprofit focused on educational and career programs for underrepresented students, and holds a board position with the East Carolina University Foundation. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and businesses. The firm emphasizes advisor-led financial assessments and employs a range of portfolio management strategies including UMA and SMA accounts, model portfolios, and automated Guided Investing platforms.

Alice Jenkins is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC. She holds Series 63 and Series 66 credentials and has eight years of industry experience. Her career includes long-term employment at First Citizens Bank since 2012 and continuous service with First Citizens Investor Services since 2018. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a client process led by investment advisor representatives that involves assessing financial needs and risk tolerance and uses fundamental, quantitative, and technical analysis to allocate investments across various asset classes.

Robert Church is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and one year of industry experience. His previous roles include positions at Fifth Third Securities, Fifth Third Bank, and PNC Bank. Outside of his advisory work, he is also engaged as a general contractor specializing in home construction and remodeling. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with pre-established relationships through employer retirement plans. The firm offers a range of services, including model portfolio management and customized portfolio options, and acts as adviser to the TIAA Donor Advised Fund.

Terrence Colen is a financial advisor with Independent Advisor Alliance, LLC, holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. He has been associated with both Independent Advisor Alliance and LPL Financial since 2015. Outside of his advisory work, he is involved with a separate business entity, T Colen BB LLC, which is not investment related. Independent Advisor Alliance serves a diverse client base, including individuals, small businesses, charitable organizations, and retirement plans, offering services such as asset management, financial planning, and retirement plan consulting. The firm uses a network model of advisory representatives supported by LPL Financial ownership and leverages multiple portfolio management strategies and technology platforms to deliver client services.

Roger Judy is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with TIAA and its affiliated entities since 2004. Outside of his advisory role, he serves as chair of the Investment Committee at St. Margarets Episcopal Church and is a managing partner in a family investment LLC. 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 pre-existing retirement plan relationships. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, employing both model and customized portfolios.

Daniel Henao Ararat is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 credentials and six years of industry experience. His prior work includes roles at The Vanguard Group and City of Mauldin. Outside of financial services, he has worked part-time in valet and parking services for special events. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing both discretionary and non-discretionary manager arrangements supported by AI-enabled equity research and integrated inter-affiliate platforms.

Rori Godsey is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and nine years of industry experience. Prior to joining TIAA-CREF in 2017, Godsey worked at F&M Bank for six years. Outside of advising, Godsey serves as a notary public. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and managed account programs to individuals, trusts, estates, and various entities, often serving clients with existing TIAA-administered retirement plans. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund within a vertically integrated group.

Amy Henthorn Powell is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. Her prior roles include positions at Mercer Global Advisors, LPL Financial, Delta Community Credit Union, and Merrill Lynch. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing TIAA retirement plan relationships, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management through model and customized portfolios.

Howell Hallett II is a financial advisor with Mercer Global Advisors Inc. in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include positions at Kingfisher Capital, LLC and Stonecrest Capital Markets Inc. Outside of his advisory work, he holds a North Carolina Life Insurance License through Simplicity AFG and manages billing dues for The Bull Investment Club. Mercer Global Advisors serves a diverse client base, including individuals, high-net-worth families, small business owners, and nonprofit organizations. The firm employs a Modern Portfolio Theory-based investment approach focused on globally diversified, risk-appropriate portfolios using low-cost index vehicles, with additional services such as financial planning, retirement consulting, and estate-planning coordination.

Andrew Garcia Rico is a financial advisor at TIAA-CREF in Charlotte, NC. He holds a Series 66 designation and has been in the industry since 2025, with prior experience at Equitable Advisors and non-financial work at Chick-Fil-A. 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 both point-in-time planning services and ongoing portfolio management, operating within a vertically integrated structure that includes affiliated funds and fiduciary standards.

Simon Stokes is a financial advisor at TIAA-CREF with 28 years of industry experience. He has worked at TIAA-CREF since 2008 and holds Series 63 and Series 65 designations. 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. The firm also provides broker-dealer services and acts as adviser to the TIAA Donor Advised Fund.

Adam Dawson is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 16 years of industry experience. He has been with TIAA-CREF since 2011. 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 employer retirement plan relationships. The firm provides various managed account portfolios and acts as adviser to a donor-advised fund, operating within a vertically integrated structure that includes affiliated funds.

Grant Goodwin is a financial advisor with Independent Advisor Alliance, LLC and LPL Financial, holding Series 65 and Series 66 credentials and 24 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch. Independent Advisor Alliance serves a diverse client base including individuals, small businesses, charitable organizations, and retirement plans, offering asset management, financial planning, and retirement plan consulting. The firm employs a network model of advisory representatives and utilizes various portfolio management strategies and technology platforms to support client services.

Pamela Barnett is a financial advisor at TIAA-CREF with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2019, following a tenure at TIAA dating back to 2006. 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 through model portfolios and customized accounts managed under fiduciary standards.

Dakota Murray is a financial advisor with First Citizens Investor Services, Inc. in Charlotte, NC, holding Series 65 and Series 63 licenses and having four years of industry experience. Prior to joining First Citizens Investor Services, he worked at First Citizens Bank and attended Western Carolina University. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers portfolio management, wrap programs, model portfolios, and tax-aware financial planning, focusing on client assessments led by Investment Advisor Representatives to inform asset allocation across various investment types.

Norman Pierce is a financial advisor at Principal Financial Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Life Insurance Company, Principal Securities Inc, Transamerica Investors Securities Corporation, and Nationwide Investment Services Corporation. He also has experience as a freelance commercial writer. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Thomas Hicks II is a financial advisor at Janney Montgomery Scott with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Janney Montgomery Scott since 2021, following tenures at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a director of sponsorship for the Athletic Booster Club at Catawba Ridge High School and is a personnel committee member at Sharon Baptist Church in Charlotte, NC. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plans, and offers a range of brokerage, financial planning, and advisory services supported by in-house and third-party portfolio management.