Derek Cohen is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at Bank of America, N.A. and Bofa Securities, Inc. Outside of his advisory work, he serves as a board member for the Rockport At West Bay Estates Homeowners Association in Wilmington, North Carolina. 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 institutional investors.

Samuel Turner is a financial advisor at OSAIC with 42 years of industry experience and holds Series 63 and Series 65 licenses. He has worked at firms including Woodbury Financial Services, Questar Asset Management, and Capital Guardian Wealth Management. In addition to his advisory role, he owns Turner Insurance, where he offers supplemental, whole life, and long-term care insurance products. OSAIC serves a diverse clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and investment advisory services through a broad network of affiliated advisors and multiple platforms.

Norman Perkins is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2018. Prior to his current role, he worked for Alliance Coal, LLC for twelve years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

Michael Fink is a financial advisor with Merrill in Charlotte, NC, holding Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Merrill and Bank of America, he worked at The Vanguard Group and has experience in mortgage and insulation industries as well as a role at the University of North Carolina at Charlotte. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Marshall Fletcher is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 19 years of industry experience. He previously worked at Lincoln Financial Securities from 2008 to 2023. Outside of advising, Fletcher operates as an independent insurance agent through Fletcher Capital LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements.

Joshua White is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations and has been with Raymond James Financial Services Advisors, Inc. and affiliated firms since 2016. Based in Gastonia, NC, he has a decade of continuous service within the Raymond James network. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using various analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Thomas Highsmith is a CFP® professional with 26 years of experience in financial advisory and planning. He is currently affiliated with Raymond James Financial Services Advisors, Inc. and Pinnacle Bank, bringing a background that includes leadership roles at Carolinas Wealth Consulting LLC and Carolinas Investment Consulting LLC. Outside of his advisory work, he serves as Treasurer for the Live Like Bryant Foundation, a nonprofit organization. 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, pension plans, corporations, and institutions. The firm employs tailored, non-discretionary planning and analytical tools to guide client decisions while maintaining specialized municipal and employer advisory services.

Christopher Vincent is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s 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 offerings.

Sidra Freeman is a financial advisor with Ameriprise in Charlotte, NC, holding a Series 66 designation and two years of industry experience. Prior to joining Ameriprise in 2025, she worked at Principal Life Insurance Company and Principal Securities Inc from 2023 to 2025. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities typical of a large institutional firm.

Maureen Henry is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and has previously worked at Ameriprise, Carolinas Wealth Consulting LLC, Carolinas Investment Consulting LLC, Hayden Royal, Zermatt Securities, and TD Ameritrade. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm reports approximately $671 billion in assets under management and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Hadley is a financial advisor at Ameriprise with 41 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Prior to joining Ameriprise, he worked at Wells Fargo Advisors and Wells Fargo Clearing. He serves on the Board of Directors for The Fletcher School in Charlotte, NC. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Ashley Waters is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. She has worked at LPL Financial since 2025 and has a longer tenure at First Horizon Bank beginning in 2011. 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 investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Jonathan Lentz is a CFP®-designated financial advisor with Edward Jones in Huntersville, NC, where he has worked since 2007. He has 18 years of industry experience and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Lily Smith is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and beginning her career in 2025. Her background includes roles at Wells Fargo Bank and various educational and staffing organizations. 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 and offers both brokerage and advisory solutions supported by Wells Fargo Investment Institute research and third-party analytics.

Noah Urrutia is a financial advisor at Ameriprise in Charlotte, NC, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Ameriprise, he worked at Starbucks for five years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendations and annual retirement-income planning advice. The firm’s approach incorporates investment research, third-party data, and algorithmic tools, with recommendations designed around asset allocation, withdrawal strategies, and Social Security options.

Jaclyn Ashgrove is a financial advisor at Charles Schwab with nine years of industry experience. She holds Series 66 and Series 63 designations and has worked at Charles Schwab and Wells Fargo Bank throughout her career. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure combining advisory, brokerage, custody, and cash-sweep services.

Todd Kurstin is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with Wells Fargo Clearing since 2018 and has been employed with Wells Fargo Bank, NA since 2014. Outside of his advisory role, he owns and operates two music entertainment businesses as a DJ and announcer in Topton, North Carolina. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Kelly Martin is a financial advisor at Wells Fargo Advisors with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services since 2019. Prior to that, she was with LPL Financial from 2015 to 2018. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized areas such as business-owner transition planning and special-needs analysis, using Wells Fargo research and planning tools.

Alyson Kreifels is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. and WAFD Bank. Outside of her advisory role, she is an independent Amway business owner involved in direct sales of health, beauty, and home products. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering investment approaches that include strategic asset allocation and tax-aware options.

Matthew Burns is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 designations and two years of industry experience. His prior work includes roles at UBS Financial Services, JPM Distribution Services, and Bank of America. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.