Layla Greenwood is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and three years of industry experience. She has been with The Vanguard Group since 2022. Prior to her advisory role, she worked in various positions including roles at the University of Georgia and several service industry jobs. Vanguard Advisers delivers automated and human-supported investment advice primarily to retail investors and participants in employer-sponsored retirement plans. The firm utilizes a goal-based, algorithm-driven approach with personalized asset allocations and offers a range of customization options including ESG choices.

Nathan Silvis is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank since 2019. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Sharon Santizo is a financial advisor with Merrill in Charlotte, NC, holding a Series 66 designation and more than 12 years of industry experience. She has been with Merrill since 2006. Outside of her advisory role, she holds a power of attorney position for a non-investment-related entity. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lane Henry is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2024, he worked at Bank of America from 2021 to 2024 and held various roles outside finance, including with the Atlanta National League Baseball Club. Outside his advisory role, he occasionally works as a dog walker and house sitter and serves as a part-time business consultant for a family-owned company. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Mary Grace Lostetter is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in helping clients align their personal wealth management plans with their goals, focusing on areas such as retirement planning, family wealth management strategies, employee financial health, and small business strategies. Mary Grace provides clients with access to the investment insights of Merrill and the banking convenience of Bank of America, supporting a range of financial needs including mortgages, life insurance, and investments. She earned her Bachelor of Science degree in Industrial Management with a double major in Economics from the Tepper School of Business at Carnegie Mellon University. Mary Grace holds FINRA Series 7 and 66 registrations, a Life, Accident, and Long Term Care insurance license, a mortgage loan license, and the Certified Plan Fiduciary Advisor (CPFA) designation. Her expertise includes assisting business owners in establishing and maintaining fiduciary standards for 401(k) plans and workplace retirement plans. Mary Grace lives in Lake Wylie in Charlotte with her husband and four children. She is a member of several professional and community organizations, including the Charlotte Estate Planning Council, Charlotte Rotary Club, Merrill Lynch Women's Exchange where she serves as president, and the National Association of Women Business Owners (NAWBO) Charlotte. Additionally, she is involved with the Charlotte Country Day School and enjoys interests such as golf and attending community events.

Jacqueline Salazar is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked for Todd Greene CPA PLLC and held roles in education and retail. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary strategies for a range of individual and institutional clients.

Jose Holguin is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has worked at Bank of America and Merrill since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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 managed by internal and third-party teams.

Diego Ferradas is an advisor at Vanguard Advisers with a Series 66 designation and has one year of industry experience. Prior to joining Vanguard, he engaged in various self-employed roles and operated Diego A. Ferradas Photography LLC. Vanguard Advisers offers automated and human-supported investment advice through its digital and personal advisor services, primarily serving retail investors and employer-sponsored retirement plan participants. The firm employs a goal-based, algorithm-driven investment approach using proprietary methodologies and constructs portfolios mainly from Vanguard funds and ETFs.

Nasera Kaouss is a financial advisor with Raymond James & Associates in Charlotte, NC, holding a Series 66 designation and seven years of industry experience. Prior to joining Raymond James, she worked at Morgan Stanley and its affiliated entities in various roles from 2018 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and municipal entities, and offers a range of financial planning and advisory services with a primarily non-discretionary approach.

Ryan Lopez is a financial advisor at Morgan Stanley in Charlotte, NC, with seven years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Morgan Stanley in 2019, he worked at Brooks International for one year and was affiliated with the University of Alabama for five years. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning arrangements.

Michael Lutz is a financial advisor with Vanguard Advisers in Charlotte, NC, holding a Series 66 designation and seven years of industry experience. He has been with Vanguard and its affiliated entities since 2021, following roles at TD Ameritrade and loanDepot. 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 create personalized portfolios, which are largely composed of Vanguard funds and ETFs.

William Giddens is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds Series 63 and Series 66 registrations and has worked primarily within Wells Fargo Clearing and Wells Fargo Advisors since 2016. Outside of his advisory role, he has a 50% ownership interest in Wing Management, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services. The firm provides a broad range of planning options including retirement, education, risk management, and specialized services such as business-owner transition and special-needs analysis.

Micah Cooke is a financial advisor with Wells Fargo Clearing in Charlotte, NC. He holds Series 63 and Series 65 licenses and has been in the financial industry since 2021, previously working seven years at Red Lobster. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Andrew Parker is a financial advisor at Vanguard Advisers with 10 years of industry experience. He holds Series 63 and Series 66 designations and has been with Vanguard-affiliated entities since 2016. Parker is based in Charlotte, NC. Vanguard Advisers provides automated and human-supported investment advice to 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, and it manages a large client base through a combination of digital platforms and advisor teams.

Brian Kincaid is a CFP®-designated financial advisor with seven years of industry experience, currently serving clients at Edward Jones in Harrisburg, NC. Before joining Edward Jones in 2019, he worked at Coca-Cola Consolidated Inc. from 2015 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Amy Murray is a financial advisor at Merrill with 11 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior roles include positions at Morgan Stanley Smith Barney LLC, Holston Medical Group, and Novant Health. 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 and profit-sharing plans, corporations, and charitable organizations.

David Nifong is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 25 years of industry experience, including prior roles at LPL Financial, Independent Advisor Alliance, and Wells Fargo Clearing. He serves as president of an architecture committee in Bryson City, NC. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers discretionary and non-discretionary management through multiple platforms and maintains proprietary model strategies under the Founders Gate Capital brand.

Emily Saunders is a financial advisor at Vanguard Advisers with one year of industry experience. She holds a Series 66 designation and has previously worked at Rett Rutland State Farm and in educational roles within Clover and Rock Hill School Districts. 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 approach using proprietary models to create personalized asset allocations, with portfolios largely composed of Vanguard funds and ETFs.

Tracee Pearson is a financial advisor at J.P. Morgan Securities in Charlotte, NC, holding a Series 66 designation with one year of industry experience. Prior to joining J.P. Morgan and Jpmorgan Chase Bank, N.A. in 2025, she had brief tenure at Morgan Stanley in 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary advisory program.

Emma Tokay is a CFP® professional affiliated with Vanguard Advisers in Charlotte, NC, with 13 years of industry experience. She has worked with Vanguard Marketing Corporation and The Vanguard Group since 2013 and is currently involved with Black Wrangell, where she hosts and responds to guest inquiries. Vanguard Advisers serves retail investors and participants in employer-sponsored retirement plans through a combination of automated and human-supported investment advice. The firm employs a goal-based, algorithm-driven approach using proprietary methodologies to set personalized asset allocations, offering a wide range of portfolios primarily constructed from Vanguard funds and ETFs.