Caleb Wood is a CFP® with three years of industry experience, currently affiliated with J.P. Morgan Securities in Charlotte, NC. His career includes roles at JPMorgan Chase Bank, Athos Private Wealth, and Brigham Young University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

James Stone is a Financial Advisor with Merrill Lynch Wealth Management, working to assist clients with a range of financial needs. He joined Merrill Lynch Wealth Management in January 2025 after a career of over two decades in the mortgage industry. James holds a bachelor's degree from the University of Arizona and carries the Personal Investment Advisor (PIA) designation. He specializes in helping clients manage complex financial priorities by working closely with them to define goals and develop tailored portfolio strategies. He provides ongoing advice and adjusts strategies as clients' circumstances change. Based in Fort Worth, James lives with his wife Jackie, their daughter, and two dogs. He enjoys spending time with his family, playing piano, and golfing among other activities such as antiquing, cooking, hiking, music, reading, and traveling.

Jay Fitz is a financial advisor at Edward Jones with 15 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at The Vanguard Group for 10 years, Waters Doctors for one year, and Lu La Rose for four years. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Ricardo Gonzalez is a Financial Consultant at Fidelity Investments, where he has been serving since 2020. He brings over a decade of experience in the financial industry, having held various roles within Fidelity Investments since 2008, including Investment Consultant, Relationship Manager, Private Client Group Representative, and Financial Representative. Throughout his career, Ricardo has focused on partnering with clients to develop strategies aligned with their goals and comfort levels. He emphasizes understanding the specific needs and preferences of each client's financial plan to create and implement investment approaches utilizing the Fidelity platform's strategies.

William Stillman is a financial advisor with LPL Financial in Charlotte, NC, holding a Series 66 designation and 15 years of industry experience. He has been with LPL Financial since 2013. Outside of his advisory work, Stillman is involved with Will-O-LLC, an investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Terry Halvorson is a financial advisor at Thrivent Investment Management with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Halvorson is also listed as a representative of record on previously sold Genworth Long-Term Care insurance policies. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering planning on a one-time or ongoing basis. The firm focuses on holistic, goal-based analyses and allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan.”

Anton Nichvidyuk is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His career includes roles at Bank of America, Merrill, and Commercial Bank "Kuban Credit" LLC. He is currently based in Homosassa, FL. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, and it maintains a formal advisory role to multiple registered investment companies.

Roderick Barnes is a financial advisor with Ameriprise in Huntersville, NC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Barnes serves on the board of the Gilead Commons Owners Association and is a member of the Lake Norman Advisory Board. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Levi Klein is a financial advisor with Ameriprise in Charlotte, NC, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Ameriprise, his work history includes roles at Skyhawk Sports, Superior Asphalt, Kerker Inc., DoorDash, and Shipt. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Ameriprise Premier Retirement Income service, which provides retirement-income planning through written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Victoria Ongara is a financial advisor at Wells Fargo Advisors with six years of industry experience. She previously worked at Morgan Stanley for six years and has been associated with Wells Fargo Clearing since 2023. She holds a Series 66 designation and is based in Charlotte, NC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, utilizing Wells Fargo research and tools to develop tailored recommendations.

Charmaine Brown is a financial advisor at Wells Fargo Advisors with 20 years of industry experience. She holds the Series 63 and Series 66 designations. Brown has worked within Wells Fargo’s affiliated firms since 2015, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, with tailored recommendations supported by Wells Fargo research and tools.

Stanley Ciotoli is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Merrill and Bank of America since 2009. Outside of his advisory role, he serves as a director for Christ Lutheran Children's Center, a nonprofit organization. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutions.

Julie Long is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and 22 years of industry experience. She has worked at Merrill since 2017 and previously spent seven years at Robert W. Baird & Co. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Phillips is a financial advisor at Ameriprise with 23 years of industry experience. He has been with Ameriprise and its related entities since 2011. He holds the Series 63 and Series 66 designations. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Caroline Wilhelm is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 designations and 15 years of industry experience. She previously worked at Bank of America, Merrill, and Wells Fargo Bank in various roles between 2016 and the present. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Tyler Kaufman is currently a Planning Consultant at Fidelity Investments, where he works as a part of Wealth Management Teams to assist clients with their financial planning needs. He aims to provide a comprehensive experience by not only supporting financial planning but also serving as a resource and liaison for clients and their families to various areas of assistance available at Fidelity. Tyler has professional experience in financial services, having held positions as a Planning Consultant at Fidelity Investments since 2026, an Investment Consultant at Fidelity from 2024 to 2026, and a Financial Advisor at Edward Jones from 2023 to 2024. Outside of his professional work, Tyler's personal interests include cooking and baking, fitness, exploring food, attending social events with friends, golf, and spending time with pets.

Michael Cole is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves on the Mills River Planning Board and is chairman of the town’s Land Preservation committee. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products than typical institutional advisers.

Nicholas Royster is a financial advisor at Merrill with Series 66 and Series 63 credentials and approximately two years of industry experience. His prior roles include positions at Auerbach Grayson & Company, LLC and RDR Insurance Services, Inc. He has also worked in educational settings such as Trinity College and Phillips Academy. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kevin Lam is a financial advisor with J.P. Morgan Securities in Charlotte, NC, holding a Series 66 designation and two years of industry experience. His background includes roles at JPMorgan Chase Bank, Bank of America Merrill Lynch, and private equity, as well as a four-year period at the University of South Carolina. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Tou Yang is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 63 licenses and having nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank NA since 2009. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.