Joseph Michalski is a CFP® professional with 25 years of industry experience, currently affiliated with Wells Fargo Clearing since 2023. His prior experience includes roles at First Citizens Asset Management and First Citizens Investor Services, Inc. He serves as a board member for Big Brothers Big Sisters Cabarrus Leadership Council and works as a high school athletics referee. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ricky Meeks Jr. is a financial advisor with Raymond James Financial in Kannapolis, NC, holding Series 63 and Series 66 credentials with 32 years of industry experience. He has been with Raymond James Financial Services, Inc. since 2000 and Raymond James Financial since 2009. Outside of advising, Meeks is involved in property development and management through several real estate ventures, including Carolina Property Holdings LLC and RBM Property Investments. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a municipal advisor affiliation.

Kevin Rice Jr. is a financial advisor at Vanguard Advisers with the Series 66 designation and one year of industry experience. His prior experience includes roles at Verizon Wireless, Liberty University, Central Piedmont Community College, the Social Security Administration, and service in the United States Navy. Vanguard Advisers provides automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios largely constructed from Vanguard funds and ETFs.

John Fink is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at TIAA-CREF and National Gypsum Company. He also has experience outside finance, having worked on an independent film titled Eat Wheaties. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s IPS-driven approach incorporates a broad range of investment vehicles, including insurance-related products and bank deposit sweep options.

Jonathan Crisp is a financial advisor at Vanguard Advisers with one year of industry experience. He holds the Series 66 designation and has worked in several roles within The Vanguard Group since 2025. Prior to joining Vanguard, he held positions at BTW Global and had various self-employed engagements. Vanguard Advisers offers automated and human-supported investment advice through digital and personal advisor services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach, utilizing proprietary models and primarily Vanguard funds and ETFs, supported by a large advisor team and scalable digital platform.

Douglas Marlow is a financial advisor at Cetera with 33 years of industry experience. He holds the CFP® and ChFC® designations and has worked with firms including Avantax Investment Services and TIAA. Cetera Investment Advisers LLC is a large nationwide firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Aaron Williams is a financial advisor at Fidelity with 10 years of industry experience. He has previously worked at TIAA-CREF and Vanguard Marketing Corporation. Outside of his advisory role, he directs Life's Cheat Code, LLC, a self-improvement business focused on musical composition and related marketing activities. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm combines fundamental research with quantitative and algorithmic portfolio construction to deliver model portfolios across mutual funds, ETFs, and ETPs.

Steven Harrison is a financial advisor with Vanguard Advisers, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with The Vanguard Group and its related entities since 2002. Vanguard Advisers provides both automated and human-supported investment advice to retail investors and eligible participants in employer-sponsored retirement plans, employing a goal-based, algorithm-driven approach that utilizes proprietary models to create personalized asset allocations primarily composed of Vanguard funds and ETFs. The firm is notable for its large scale and digital delivery model, managing a substantial client base through more than 2,200 advisors.

Katheryn Woodruff is a CFP® with 21 years of experience at Vanguard Advisers, where she has worked since 2005. She holds Series 63 and Series 65 licenses and is also affiliated with Vanguard Marketing Corporation and The Vanguard Group, Inc. She is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, offering a range of customization options and serving a large client base through its digital platform.

Elizabeth Hobson is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 14 years of industry experience. She previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2016 to 2025. In addition to her advisory role, she teaches at the National Business Institute. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering a range of advisory programs, retirement plan consulting, and brokerage services supported by extensive research and a variety of investment strategies.

Michael Heinz is a financial advisor with Wells Fargo Clearing based in Charlotte, NC. He holds a Series 63 designation and has one year of industry experience. His prior work includes roles at Dexian and Bee Street Advisory Group, as well as diverse positions outside finance. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Michael Carter is a financial advisor at Vanguard Advisers with one year of industry experience. He holds a Series 66 designation and has worked previously at Xerox and Canon Business Process Services. Outside of his advisory role, he is contracted with Uber, providing transportation services. Vanguard Advisers serves retail investors and eligible participants in employer-sponsored retirement plans through a goal-based, algorithm-driven investment approach. The firm combines automated platforms with human support to manage portfolios primarily composed of Vanguard funds and ETFs, offering customization options such as ESG preferences and tax-aware features.

Tracee Schraeder is a Certified Financial Planner (CFP®) with 26 years of industry experience. She is currently with Stifel, joining the firm in 2024, and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 15 years. Stifel serves a diverse client base including individuals, institutional clients, and nonprofit organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, which clients can use to inform their financial decisions.

Joshua Richardson is a financial advisor with Equitable Advisors in Charlotte, NC, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Morgan Stanley and McGriff Insurance Services. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations, offering financial planning, brokerage, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and a variety of endorsed third-party asset management platforms.

Noah Spence is a financial advisor at Vanguard Advisers with two years of industry experience. He holds the Series 66 designation and has worked at multiple Vanguard entities since 2024. Prior to his finance career, he held several positions related to campus recreation and wellness at Western Carolina University. Vanguard Advisers provides automated and human-supported investment advice primarily for retail investors and participants in employer-sponsored retirement plans, using a goal-based, algorithm-driven approach to asset allocation and portfolio construction.

Hseng Hsiang is a CFP® professional with 22 years of industry experience currently serving at Edward Jones since 2022. Prior to this, Hsiang worked at TIAA CREF Individual & Institutional Services LLC for eight years. 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 under management and offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Andrew Flaskerud is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2014 to 2016. Outside of finance, he owns and operates a furniture-building business. Wells Fargo Advisors is an institutional firm with over 2,200 advisors, providing investment services to a broad client base.

Hector Lopez is a financial advisor with Wells Fargo Advisors in Charlotte, NC, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with various Wells Fargo entities since 2010. Outside of his advisory role, he creates video content for entertainment on YouTube and Rumble. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services and integrates advisory services with other financial products and referral channels.

Adam Finke is a financial advisor at Vanguard Advisers with four years of industry experience. He holds a Series 66 designation and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2022. Prior to that, he held roles at Freedom Boat Club, Purdue University, and various other organizations. Vanguard Advisers offers automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, and it manages a large client base through a combination of digital delivery and advisory teams.

James Combs is a financial advisor with LPL Financial in Cornelius, NC, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Raymond James Financial Services and Edward Jones. He also serves as a nonprofit board member for Williams Lodge 176. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.