Benjamin Smith is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and three years of industry experience. His work history includes roles at Truist Advisory Services, United Capital, Regions, and Bank of America. In 2019, he was involved with 5 Star Nutrition LLC. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 advisors and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Jeannette Raypholtz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and four years of industry experience. Her prior roles include positions at Commonwealth Financial Network, Sierra Pacific Wealth Advisory Group Inc., and Private Wealth Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisers, utilizing both proprietary research and third-party strategies across diverse asset classes.

John Bradberry is a CFP®-certified financial advisor at LPL Financial with 24 years of industry experience. He has previously worked at Commonwealth Financial Network, Mass Mutual Investors Services, and Metlife Securities. He is a co-owner of SageCreek Properties, LLC, a commercial office property management company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management services, utilizing various portfolio strategies and advisor support tools.

Warren Duthie is a financial advisor with LPL Financial in Fort Mill, SC, holding Series 63, 65, and 66 licenses and 21 years of industry experience. He has previously worked at Commonwealth Financial Network and Northwestern Mutual in various capacities. Duthie is the owner of Duthie Financial Group, LLC, which facilitates securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services through a large network of investment adviser representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, using both proprietary and third-party strategies.

Sunil Nagpal is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Mass Mutual Investors Services in 2017, he worked at Metlife Securities Co. for 14 years. In addition to his advisory role, he is an independent insurance agent specializing in life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented financial planning engagements and various investment programs, including wrap and money-manager offerings.

Kiairra Dixon is a Series 66 licensed financial advisor with LPL Financial, based in Fort Mill, SC, and has one year of industry experience. Prior to joining LPL Financial, she worked at Ally Bank for three years and Heartland ECSI for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of more than 22,800 advisors and extensive operational tools.

Jeffrey Walters is a CFP® professional with 27 years of industry experience, currently affiliated with Raymond James Financial in Charlotte, NC. He previously worked at LPL Financial, Independent Advisor Alliance, and SunTrust Advisory Services, among others. Walters owns and operates a support company named Jeff Walters, where he serves as an advisor and proprietor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and supports institutional consulting and portfolio management across a broad advisor network.

Meg Johnson is a financial advisor at Merrill with Series 63 and Series 66 credentials and 29 years of industry experience. She has worked at Merrill since 2009 and has been with Bank of America, N.A. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Britt Byerley is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. She began her career with Merrill Lynch in 1997 and specializes in providing comprehensive wealth planning services for high net worth families and business owners. Britt's expertise includes estate and income tax minimization strategies, multigenerational planning, and customized retirement and education strategies. She holds the professional designations of Chartered Retirement Planning Counselor™ and CERTIFIED FINANCIAL PLANNER® practitioner. Britt earned a Bachelor of Science degree from the College of Charleston. Outside of her professional work, Britt's personal interests include football, tennis, and spending time with her family.

Kevin Patterson is a financial advisor with Morgan Stanley in Charlotte, NC, holding a Series 66 designation and 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and a variety of investment strategies in its services.

Bradford Parsons is a financial advisor with Raymond James & Associates in Charlotte, NC. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Citigroup Global Markets. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and nonprofit entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Stephanie Diaz is a financial advisor with Cetera in Charlotte, NC, holding Series 63 and Series 66 designations and nine years of industry experience. She has been with Cetera and its affiliated entities since 2019 and previously worked at Foresters Advisory Services and LPL Financial LLC. Outside of her advisory role, she is involved in sales of medical grade alkaline water ionization solutions through ENAGIC. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services, operating a multi-manager platform with access to affiliated and third-party managers across multiple program structures.

Edward Ramsey is a CFP®-certified financial advisor with 38 years of industry experience. He is currently affiliated with LPL Financial and Avantis Private Wealth, having previously worked at Quantis Wealth Management and operated his own CPA and tax accounting firms. Outside of advising, he owns a business that provides accounting and business valuation services for dental offices. 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 financial planning, model portfolios, third-party asset management access, and institutional platforms, providing advice primarily through investment adviser representatives using a range of discretionary and non-discretionary strategies.

Wesley Botto is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Financial and Hillcrest Financial Group. His prior experience includes roles at Commonwealth Financial Network and MCF Advisors LLC. He is also the owner of Botto Wealth Management, a private entity facilitating securities, advisory, and insurance business. 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, and institutional platforms, supported by extensive operational tools and oversight of substantial discretionary assets.

Terri Miller is a Series 65 licensed financial advisor with LPL Financial, based in Fort Mill, SC, and has five years of industry experience. She previously worked at Commonwealth Financial Network and Raymond James Financial Services. Outside of her advisory role, she also conducts tax preparation services as a CPA. 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 financial planning and portfolio management services, utilizing both proprietary research and third-party strategies across various asset allocations.

Elizabeth Lachanski is a financial advisor with Merrill in Charlotte, NC, holding a Series 63 designation and 36 years of industry experience. She has been with Merrill Lynch Pierce Fenner & Smith, Inc. since 1996. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Reed Bowling is a Series 66 licensed financial advisor at Fidelity with five years of industry experience. He worked at CGI from 2019 to 2021 before joining Fidelity Investments, where he has been since 2021. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to build model portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Andrew Capecci is a financial advisor with LPL Financial in Fort Mill, SC, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Ameriprise, Merrill, Bank of America, and Morgan Stanley. 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 institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Stephen Powers is a CFP® and CFA® with 25 years of industry experience. He currently works at LPL Financial and has held prior roles at firms including CliftonLarsonAllen Wealth Advisors, Foreside Fund Services, and Aegon USA Investment Management. 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 advisory and brokerage services with a range of investment strategies supported by research and technology.

Emma Palomba is a financial advisor with LPL Financial, holding a Series 65 designation and entering her first year in the industry. Her prior experience includes roles at Commonwealth Financial Network and KPMG US, among others. 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 services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research tools while overseeing more than $819 billion in discretionary assets.