Scott Watson is a financial advisor at Vanguard Advisers with 28 years of industry experience. He has been with The Vanguard Group since 2013 and holds Series 63, Series 65, and Series 66 licenses. Based in Charlotte, NC, his current role is within one of the largest advisory firms in the industry. Vanguard Advisers offers investment advice through both automated and human-supported services, primarily serving retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven investment approach and manages portfolios using primarily Vanguard funds and ETFs.

Jarrett Sparks is a financial advisor at Vanguard Advisers with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Vanguard and TIAA-CREF. Vanguard Advisers serves retail investors and employer-sponsored retirement plan participants through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary models and primarily invests in Vanguard funds and ETFs, offering a range of customization options including tax-aware strategies and ESG exposures.

Aadhitiya Ganeshkumar is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 63 designation and beginning their career in 2026. Prior to joining Wells Fargo, Aadhitiya worked at Consolidated Planning and has educational experience at Virginia Tech University and in secondary education. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides brokerage and advisory solutions with an investment approach grounded in research, diversification, and modern portfolio theory.

Angela Allen is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. Her career includes previous roles at Merrill and First Citizens Investor Services before returning to Wells Fargo Clearing. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Readella Pettway is a financial advisor at Merrill with 20 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked at Ameriprise Financial Services, Inc. for nine years prior to joining Merrill in 2021. 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.

Nina Palmer is a financial advisor at Vanguard Advisers with seven years of industry experience. She has worked at The Vanguard Group since 2018 and previously was with Wiseman and Associates Wealth Management from 2015 to 2018. She holds a Series 66 designation. Vanguard Advisers delivers automated and human-supported investment advice through its Vanguard Digital Advisor and Vanguard Personal Advisor services, serving retail investors and eligible participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with personalized asset allocations primarily constructed from Vanguard funds and ETFs.

Matthew Young is a financial advisor at Vanguard Advisers with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Vanguard Advisers and related Vanguard entities since 2018. Prior to joining Vanguard, he had brief roles in the legal and baking industries. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans. The firm employs a goal-based, algorithm-driven approach with portfolios constructed primarily from Vanguard funds and ETFs, offering a range of customization options and tax-aware features.

Tonya Bobbitt is a financial advisor at Raymond James & Associates with 10 years of industry experience. She holds the Series 63 and Series 66 designations and has worked previously at firms including TIAA-CREF and TEKsystems. Outside of advising, she is involved with Restore Benefits LLC and Aimbridge Hospitality. 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, institutions, and municipal entities, providing financial planning and investment consulting through a range of portfolio management styles, supported by proprietary research and an extensive affiliate network.

Jarred West is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and 12 years of industry experience. His career includes roles at Janney Montgomery Scott and Wells Fargo Advisors. He currently works with Williamson Wealth Group in Cornelius, NC. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to individuals, institutions, and organizations using tailored, non-discretionary planning and investment consulting supported by advanced analytical tools. The firm offers specialized municipal and public-finance services and employer advisory programs.

Emily Malone is a financial advisor at Wells Fargo Clearing with five years of industry experience. Prior to joining Wells Fargo in 2020, she worked for five years at the U.S. Department of Education, Office of Federal Student Aid. She holds a Series 66 designation and has a North Carolina law license. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Mccardell is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2004 and focuses on working with founders and corporate executives of public and private companies throughout the country. His sector concentration includes families in finance and technology, though he has experience across various industries. John specializes in wealth management services such as executive compensation, family wealth strategies, retirement income planning, philanthropic planning, portfolio management, and tax minimization. John holds a bachelor's degree with a double major in business economics and political science from Randolph-Macon College in Ashland, Virginia. He carries the Personal Investment Advisor (PIA) designation. His team was ranked number one in South Carolina in the 2023 Forbes "Best-in-State Wealth Management Teams." John has also been recognized on Barron's Top 1,200 Financial Advisors list from 2018 to 2023. He resides in Charlotte, North Carolina, and has been involved with organizations including the Randolph-Macon President's Society, Columbia Museum of Art Contemporaries, and Big Brothers/Big Sisters.

Joshua Hudgins is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 63 licenses and two years of industry experience. His prior roles include positions at The Vanguard Group, Inc., Mindlance Inc, and Lowe's. 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 utilizes research and analytics from Wells Fargo Investment Institute and third-party data, offering both brokerage and advisory solutions with an emphasis on diversification and modern portfolio theory.

Kristi Marshall is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and bringing 26 years of industry experience. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to guide portfolio construction.

Laura Healey is a financial advisor with Merrill in Huntersville, NC, holding a Series 63 designation and 29 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Outside of her advisory role, she provides notarial services to Merrill clients. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm employs model-based and discretionary investment strategies for a broad client base, including individuals, high-net-worth clients, and institutional entities.

Randall Jennings Jr. is a financial advisor at Vanguard Advisers with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Vanguard-related entities since 2022. Outside of his advisory role, he owns and manages a vending machine business called Shmiggady Vending, LLC. Vanguard Advisers provides automated and human-supported investment advice focused on retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach with portfolios primarily composed of Vanguard funds and ETFs, supported by a large digital platform and a team advisory model.

Stanley Belczyk is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2015. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Adam Montgomery is a financial advisor with Vanguard Advisers, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He has been with The Vanguard Group since 2004. Vanguard Advisers offers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm uses a goal-based, algorithm-driven approach to portfolio construction, relying largely on Vanguard funds and ETFs, and manages a large client base through a combination of digital tools and advisor support.

Colin Beagan is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds a Series 63 designation and has experience working since 2023 at firms including Vercara, LLC and DYSIS. Outside of finance, he has worked in the restaurant industry. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to guide portfolio construction and provides a range of brokerage and advisory solutions.

Jennifer Holmes is a financial advisor at Vanguard Advisers with 20 years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services and Scottrade. Holmes is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to retail investors and participants in employer-sponsored retirement plans, utilizing a goal-based, algorithm-driven approach with portfolios primarily constructed from Vanguard funds and ETFs. The firm serves a large client base through a combination of digital delivery and advisor support.

William Greiner Jr. is a financial advisor at Merrill in Charlotte, NC, with two years of industry experience. He holds the Series 63 and Series 66 designations. His prior work includes positions at Bank of America, The Vanguard Group, and multiple roles at Clemson University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.