Harold Ballard Jr. is a financial advisor with Primerica Advisors in Charlotte, NC, holding Series 65 and Series 63 licenses and eight years of industry experience. His prior roles include positions at Charlotte Christian College and Cornwell Center, alongside ongoing work with PFS Investment Inc. and Primerica Financial Services. Outside of finance, he is involved with Yom Tov Enterprises, LLC, a non-investment-related partnership. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable organizations. The firm utilizes model-driven strategies developed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Jeffrey Vandiver is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advisory work, he is a partner in BRJK, LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, offering both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

Daniel Copeland is a financial advisor with Vanguard Advisers in Charlotte, NC, holding Series 63 and 66 licenses and having six years of industry experience. He has been with The Vanguard Group since 2020, following earlier roles in brokerage services and various positions including work in the hospitality and entertainment sectors. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm uses a goal-based, algorithm-driven approach with portfolios constructed mainly from Vanguard funds and ETFs, supporting a large client base through its digital platform and extensive team of advisors.

Mary Grace Cardow is a financial advisor with Ameriprise in Charlotte, NC, holding a Series 66 designation and four years of industry experience. Her background includes roles at The Vanguard Group, Clemson University Academic Success Center, and Ameriprise. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement planning advice through a centralized team using proprietary research and tools.

Hyun Paik is a financial advisor with Vanguard Advisers, holding a Series 66 credential and five years of industry experience. Prior to joining Vanguard Advisers, Paik worked at Fisher Investments and Fidelity Brokerage Services. Vanguard Advisers offers both 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 composed of Vanguard funds and ETFs.

Caleb Wyckoff is a financial advisor with Merrill in Concord, NC. He holds a Series 66 designation and has three years of industry experience, including roles at Bank of America N.A. and Merrill since 2023, as well as seven years at Harris Teeter. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates its services with Bank of America’s platform, providing access to a range of investment products and related financial services.

Ganna Wenzell is a financial advisor at Ameriprise with 11 years of industry experience. She holds the Series 63 and Series 65 designations and has previously worked at firms including Wells Fargo Clearing, Fifth Third Securities, JP Morgan Chase Bank, and LPL Financial. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a combination of research, modeling, and algorithmic tools to deliver tailored, non-discretionary advice through a centralized consulting team.

Elaine Turner is a financial advisor at Vanguard Advisers with five years of industry experience. She holds Series 63 and Series 66 registrations and has worked at Vanguard Marketing Corporation and The Vanguard Group, Inc. since 2020. Outside of finance, she has been employed as a nanny providing child care services. Vanguard Advisers delivers 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 create personalized portfolios largely composed of Vanguard funds and ETFs, supported by a large team of over 2,300 advisors.

Andrew Warner is a financial advisor with Mass Mutual Investors Services in Charlotte, NC, holding Series 66 and Series 63 licenses. He has four years of industry experience, including prior roles at Wells Fargo Securities. Outside of his advisory work, he is also an insurance broker specializing in life, disability, long-term care, and health insurance. Mass Mutual Investors Services 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 using detailed client data and firm-approved analytical tools to develop recommendations.

Laura Spivey is a Series 66-licensed financial advisor with Edward Jones, based in Cornelius, NC. She has three years of industry experience, including prior roles at Movement Mortgage. She has been with Edward Jones since 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Joshua Dodge is a financial advisor at Wells Fargo Clearing in Charlotte, NC, with three years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Merrill, and Bank of America. 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, relying on research and analytics to guide investment selections.

Bryan Steele is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves as the general manager of a property rental business in Charlotte, NC. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management services and delivers advisory work through a network of Financial Advisors utilizing proprietary research and model-based asset allocations.

Carter Barlow is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at The McKay Firm. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Landrum Henderson Jr. is a financial advisor at Robert W. Baird & Co. in Charlotte, NC, holding Series 63 and Series 65 credentials with 51 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he is an owner and proprietor of a rental property in Pawleys Island, SC. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies including traditional and non-traditional investments.

Jason Farouk is a financial advisor with Merrill in Charlotte, NC, holding Series 63 and Series 66 licenses and 14 years of industry experience. His career includes multiple positions at Merrill and Bank of America, as well as a year at The Vanguard Group. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional fiduciaries.

Brian Zellner is a financial advisor at Equitable Advisors in Charlotte, NC, holding Series 63 and Series 66 licenses with 17 years of industry experience. Prior to joining Equitable Advisors in 2026, he worked at D.A. Davidson & Co. for eight years. His background also includes diverse roles outside of finance, such as positions at Vail Resorts and Glacier Park Inc. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Michael Jones is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2010, he has collaborated with his team to develop customized wealth and financial strategies tailored to the individual needs and goals of his clients. With over 20 years of experience in wealth management, Michael focuses on areas including education planning, family wealth management strategies, managing new wealth, philanthropic planning, portfolio management services, tax minimization, and retirement income. He holds the professional designations of CHARTERED FINANCIAL CONSULTANT (ChFC) and Personal Investment Advisor (PIA). Michael completed his high school education at Totino Grace and attended the University of Minnesota System, though no degree was conferred. Originally from Kentucky, he currently resides in Laguna Niguel with his family. His personal interests include boating, cooking, fishing, golfing, and reading.

Benjamin Horn is a financial advisor with Morgan Stanley in Charlotte, NC, holding a Series 66 designation and over 24 years of industry experience. He has been with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley \& Co., Morgan Stanley Smith Barney, and Morgan Stanley Private Bank. He leads a weekly CFP discussion at Winthrop University in Rock Hill, SC. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and investment programs supported by firm-approved tools and research.

Adrienne Gonzalez is a financial advisor at Vanguard Advisers with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked at The Vanguard Group since 2021. Prior to Vanguard, she held roles at Equitable Advisors, AXA Advisors, and Auto-Owners Insurance. 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 centered on personalized asset allocations and a range of customizable portfolio options.

David Hahl is a CFP®-designated financial advisor with Edward Jones in Cornelius, NC, where he has worked since 2010. He has 15 years of industry experience. Outside of advising, he is involved in managing rental properties through several real estate entities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and is notable for its extensive advisor network and affiliated capabilities such as a trust company and securities-based lending.