Frank Summers is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Edward Jones and MassMutual. Outside his advisory role, Summers serves on the board of Monroe Road Advocates, participates in the Rainbow Foster Network executive committee, and works as an adjunct instructor and academic advisor for insurance education programs. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers and various program structures.

Nicholas Crawford is a financial advisor at Merrill with 4 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2010. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Dana Conrad is a Series 66 registered advisor with Merrill in Charlotte, NC, and has 18 years of industry experience. Prior to joining Merrill in 2018, Dana worked at Wells Fargo Clearing from 2016 to 2018 and Wells Fargo Advisors LLC from 2011 to 2016. 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, pension plans, corporations, and charitable organizations.

Elizabeth Sprinkle is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses. Her prior experience includes roles at UBS Financial Services Inc., Truist Investment Services, Inc., and multiple positions within Wells Fargo affiliates. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. 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 data.

Dallas Kirby is a financial advisor at Merrill with nine years of industry experience. He previously worked at The Vanguard Group for eight years and has held roles at the U.S. Census Bureau and Cardinal Innovations. Outside of his advisory work, he owns and operates a fashion blog called Taste Makers Palette, LLC. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Christopher Robinson is a financial advisor at Wells Fargo Clearing with eight years of industry experience and a Series 66 designation. His prior work includes positions at Primerica Advisors, The Vanguard Group, and Allegheny Technologies Inc. In addition to his advisory roles, he is involved with Metro Public Adjustment. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

William Lee Fulbright is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial plans that align with their unique goals and priorities, focusing on areas such as education funding, retirement planning, and long-term family financial objectives. His approach emphasizes clarity and transparency to help clients navigate the complexities of investing. Mr. Fulbright holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is a Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the University of North Carolina at Charlotte.

Andrew Young is a financial advisor with Morgan Stanley in Charlotte, NC, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been associated with Morgan Stanley and its affiliates since 2007. Young serves on the board of the MPHS Foundation, a charity based in Charlotte. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling in its financial planning process.

Paul Sercer is a CFP® with 26 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is based in Charlotte, NC. 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 IPS-driven advisory process includes investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a broader investment menu that includes insurance-related products and bank deposit sweep options.

Melanie Hughes is a financial advisor at Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation with 17 years of industry experience. She has been with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Harrison Brooks is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo, he worked at LPL Enterprise and has held roles outside finance, including positions at Augusta National Golf Club and YMCA Camp Cheerio. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute and third parties to support its investment strategies.

Trevor Hoke is a financial advisor with UBS Financial Services in Charlotte, NC, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, where he worked for 5 and 13 years, respectively. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, utilizing proprietary research and model-based asset allocations to tailor financial plans.

Jonathan Brackis is a CFP®-certified financial advisor with 27 years of industry experience. He is currently with Morgan Stanley in Washington, DC, having previously worked at Wells Fargo Advisors and Wachovia Bank. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs and tailored financial planning, utilizing structured discovery conversations and firm-approved tools to support client outcomes.

Misan Wiles is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 credential and has worked at Merrill since 2021. Prior to that, he was employed at Wells Fargo Clearing and Target. 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 plans, corporations, and charitable organizations.

Kenneth Pryce is a financial advisor at Morgan Stanley with seven years of industry experience. He holds Series 63 and Series 66 designations. His prior work includes roles at Morgan Stanley Private Bank, Foreside Fund Services, and 2XIDEAS US Inc. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Corey Barnes is a financial advisor with Charles Schwab in Charlotte, NC, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2015. Charles Schwab & Co., Inc. serves primarily 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 a mix of non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and due diligence from Schwab’s research teams, supported by its integrated custody and brokerage platform.

Matthew Mowrer is a financial advisor with LPL Financial in Charlotte, NC, holding Series 66 and Series 63 licenses and bringing eight years of industry experience. He previously worked at Fisher Investments for five years and at LPL Financial LLC for two years before his current role. 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 advisers. The firm offers various advisory programs, financial planning, and consulting services, employing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Steven Schultz is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 65 and Series 63 licenses. He has six years of industry experience, including roles at Wells Fargo Clearing Services LLC and RHI General Group, as well as four years at Furman University ITSC. 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 backed by research from Wells Fargo Investment Institute and third-party sources.

Jackson Bobinski is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Hardhat Workforce Solutions, BluSky Restoration, Lowe's Home Improvement, and Federal Express Corporation. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

Cameron Sinclair is a financial advisor with Wells Fargo Clearing in Charlotte, NC, holding Series 63 and Series 65 designations and having three years of industry experience. Prior to joining Wells Fargo Clearing, Sinclair worked at Wells Fargo Bank and gained additional work experience at Food Lion. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, retirement plan consulting, and access to products through bank and insurance affiliates.