Stephen Holderness IV is a financial advisor with Mass Mutual Investors Services in Charlotte, NC, holding a Series 66 designation and having one year of industry experience. Prior to his current role, he worked at MassMutual Life Insurance Company and has experience in public health and small business operations. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-driven planning using firm-approved analytical tools.

Matthew Wells is a CFP® with 16 years of experience in the financial industry. He has been with Fidelity Investments since 2010, including roles at Fidelity Brokerage Services LLC and Fidelity Personal and Workplace Advisors. He is based in Charlotte, NC and holds a Series 63 license. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to manage portfolios, and it serves as an advisor to multiple registered investment companies and model portfolio platforms.

Madison Turner is a financial advisor at LPL Enterprise with a Series 66 designation and three years of industry experience. Prior to joining LPL Enterprise, Turner was affiliated with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of advising, Turner has held various roles in the food service industry and has experience working at the University of North Carolina at Charlotte. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment approaches and offers access to third-party asset managers, financial planning, and non-securities products through affiliated entities.

Denise Rowe is a financial advisor with Cambridge Investment Research Advisors in Charlotte, NC. She holds a Series 66 designation and has seven years of industry experience. Prior to joining Cambridge, she worked at Lincoln Financial Securities Corporation and Principal Securities INC. Denise also worked for Ceridian Inc. for nine years in technology services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension funds, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary model strategies.

Joseph Bayse is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously spent a year with SunTrust Advisory Services. 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 from Wells Fargo Investment Institute and third-party sources.

Shane Tenny is a financial advisor with MassMutual Investors Services in Charlotte, NC, holding a Series 66 designation and 25 years of industry experience. He has been with MassMutual Life Insurance Company and its investment services division since 2001. Outside of advising, he is an author involved in book sales. MassMutual Investors Services operates as a broker-dealer and registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs a collaborative, software-supported planning approach and provides a range of investment and educational services.

Nataliya Tsytsarova is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and eight years of industry experience. Her career includes roles at Wells Fargo Clearing Services, Wells Fargo Bank NA, and Jackson-Hewitt Tax Services. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including retirement, education, and specialized services such as business-owner transition and special-needs planning, using proprietary research and tools to develop tailored recommendations.

Thomas Brown is a CFP®, ChFC®, and Series 66 licensed advisor with Raymond James & Associates in Charlotte, NC, bringing 13 years of industry experience. His prior roles include positions at Merrill and Edward Jones. He serves as the secretary on the advisory board for the Charlotte SAE Alumni Association, contributing to communication, marketing, and fundraising efforts. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning and investment consulting through a variety of portfolio management styles and affiliated research resources.

Carter Anderson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2021, he worked at Aon from 2018 to 2021 and has a background that includes time at The University of Georgia. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amelia Harmon is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has worked at several firms including Investacorp Advisory Services, PNC Investments, and Stratos Wealth Partners. Harmon is also associated with South State Bank. 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 investment adviser representatives.

Joseph Ratchford is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously worked at Southeast Interior Systems, LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions and operates with more than 14,000 financial advisors managing approximately $671 billion in assets.

Michael Walsh is a financial advisor at Vanguard Advisers in Charlotte, NC, holding Series 66 and Series 63 licenses with two years of industry experience. His prior work experience includes roles at M&T Bank, Taglich Brothers, and multiple positions with Sotheby's International Realty. Vanguard Advisers provides automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach using proprietary models to set personalized asset allocations, with portfolios largely composed of Vanguard funds and ETFs.

Osten Waite is a financial advisor at Morgan Stanley in Charlotte, NC, holding Series 66 and Series 63 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at SafeStreets and Earl Enterprise and was a professional golfer from 2017 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling as part of its financial planning process.

Matthew Piro is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 65 designation. He has been with Wells Fargo Clearing and Wells Fargo Bank, N.A. since 2026. Prior to this, he worked at Financial Resources Federal Credit Union from 2021 to 2025 and has experience in other roles including entrepreneurial activity with Bonji Bowls. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

James King is a financial advisor at Merrill with Series 63 and Series 65 credentials and 26 years of industry experience. His career includes multiple tenures at Merrill and Wells Fargo Clearing. Outside of finance, he owns a wedding and event photography business and serves as an advisory council member for the Mecklenburg County Aquatic Council. 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 investment strategies for a range of individual and institutional clients.

Caroline Wyker is a financial advisor at UBS Financial Services in Charlotte, NC, holding Series 63 and Series 66 licenses with 18 years of industry experience. She has worked at UBS Financial Services since 2009, with a brief employment gap from 2019 to 2020. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor investment plans, combining institutional trading capabilities with wealth management services.

Frederick Owusu Sekyere is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill in 2022, he worked at Cardinal Financial Company from 2020 to 2022 and has held various roles including work related to USC Marshall and Habitat for Humanity. Outside of his advisory role, he provides ride share services in Charlotte on weekends. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Maire Doyle is a financial advisor at Fidelity with Series 63 and Series 66 credentials and four years of industry experience. Prior to joining Fidelity, she worked at The Vanguard Group and has held various roles including self-employment and positions in technology and hospitality sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Aalyssa Mitchell is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she held roles in the mortgage banking sector and worked at Scotiabank Trinidad and Tobago and Digicel. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jared Busby is a financial advisor at Merrill Lynch Wealth Management and a member of The L/A Wealth Management Group. He specializes in developing personalized financial strategies designed to help clients pursue their long-term goals, focusing on areas such as college education planning, executive compensation, family wealth management strategies, and personal retirement planning. Jared holds a Bachelor's Degree from Clemson University and an MBA from the College of Charleston. He carries professional designations including Accredited Wealth Management Advisor (AWMA) and Personal Investment Advisor (PIA). With nearly six years of experience serving clients in Charlotte, NC, he applies a tailored approach, combining personal insight and professional expertise to align clients' financial goals with their passions and values. Originally from the Northern Virginia suburbs of Washington D.C., Jared enjoys outdoor activities such as fishing, hiking, camping, golf, and watching Charlotte FC soccer. He is also committed to community involvement and participates in volunteer work with local organizations.