Curtis Cone is a financial advisor at Cone Advisory Group, Inc. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Symmetry Partners and AlphaStar Capital Management. Outside of advising, he manages several real estate-related business interests. Cone Advisory Group, Inc. serves individual and high-net-worth clients as well as pension and profit-sharing plans, providing portfolio management, financial planning, and consulting. The firm emphasizes mutual funds, ETFs, model portfolios, and third-party money managers in its investment approach.

George Pate is a CFP® and Series 65 licensed financial advisor with six years of industry experience. He has been with The Journeys Group, Inc. since 2018 and previously worked at Wake Forest Baptist Health. Outside of his advisory role, he is a licensed insurance agent selling life insurance and annuities. The Journeys Group, Inc. provides investment supervisory services, financial planning, and third-party money manager referrals for individuals, pension and profit-sharing plans, and business entities. The firm manages approximately $63 million in non-discretionary assets, emphasizes cyclical analysis with regular portfolio reviews, and operates with a small team from a single office.

Curtis Cone Jr. is a Series 65-licensed advisor at Cone Advisory Group, Inc. in Ayden, NC, with one year of experience in the financial industry. His work history includes roles at Cone Advisory Group since 2018 and prior experience at Skylight Inn BBQ and East Carolina University. Cone Advisory Group, Inc. serves individual and high-net-worth clients as well as pension and profit-sharing plans, managing approximately $17.3 million for around 200 clients. The firm provides discretionary and non-discretionary portfolio management, financial planning, and consulting, with an investment approach that emphasizes mutual funds, ETFs, and the use of third-party managers through model portfolios and co-advisory arrangements.

George Pate Jr. is a CFP® and ChFC® with 24 years of industry experience, currently serving as a managing partner at The Journeys Group, Inc. in Winterville, NC, where he has worked since 2009. He previously worked at AlphaStar Capital Management, LLC. Outside of his advisory role, he is involved in managing an aquatic facility for swimming and scuba through Aquatic Campus, LLC. The Journeys Group, Inc. provides investment supervisory services, financial planning, and referrals to third-party money managers for individuals and business entities. The firm manages approximately $63 million in non-discretionary assets and operates with a small team, emphasizing documented client goals, cyclical investment analysis, and regular portfolio reviews.

James Parker is a financial advisor with Physicians Financial Services, Inc. in Goldsboro, NC, holding the PFS™ designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience and has been associated with Physicians Financial Services since 2017. Parker also operates a CPA firm, Parker & Parker, P.A., and serves as Board Chairman of KS Bank, Inc. Additionally, he is on the board of the Wayne Community College Foundation. Physicians Financial Services provides money management, wealth analysis, tax and financial planning, and retirement planning services for individuals, corporations, pension and profit-sharing plans, charitable organizations, and trusts. The firm employs a contrarian, value-oriented investment approach focusing on financially strong, cash-rich companies and long-term holdings, while also utilizing external money managers and tailoring allocations to client objectives.

John Collins is a financial advisor with IFG Advisory, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at IFG Advisory since 2014 and has been associated with LPL Financial since 2003. Collins also operates a non-variable insurance business under the name Collins Wealth Management. IFG Advisory, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, charitable and corporate entities, and retirement plans. The firm employs a comprehensive investment approach that integrates fundamental, technical, and cyclical analysis, utilizing in-house management, sub-advisors, third-party managers, and model portfolios to align assets with clients’ objectives.

Timothy Fail is a financial advisor with IFG Advisory, LLC and holds a Series 66 designation. He has six years of industry experience and previously worked at Wayne Memorial Hospital for sixteen years. Timothy provides investment advisory services through IFG Advisory, an independent registered investment advisor firm. IFG Advisory, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, charitable and corporate entities, and retirement plans. The firm offers comprehensive portfolio management and financial planning, utilizing a combination of fundamental, technical, and cyclical analysis in its investment process.

Charles Foss is a financial advisor with Gradient Investments, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Gradient Investments since 2015 and also leads The Foss Agency Inc., where he serves as president and insurance agent. His outside business activities include managing insurance services through The Foss Agency. Gradient Investments, LLC provides discretionary investment management to a wide range of clients including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses a proprietary investment framework and offers various model and custom portfolios managed primarily on a discretionary basis.

Kendrick Whitehurst is a financial advisor at First Citizens Asset Management, Inc. with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has worked extensively within the First Citizens and Truist organizations. Whitehurst serves on the board of directors for the East Carolina University Alumni Association and is a member of the finance committee at Christ Hope Church in Greenville, NC. First Citizens Asset Management, Inc. offers model-based sub-advisory and direct investment services to individuals, institutions, and municipalities. The firm employs a multi-asset class, model portfolio approach that integrates fundamental, quantitative, and technical analysis with discretionary investment management.

Miranda Shelp is a financial advisor at First Citizens Investor Services, Inc. in Greenville, NC, with eight years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at B B & T Bank. In addition to her advisory role, she has been involved with Pitt Community College since 2022. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and businesses. The firm employs a client-focused process led by investment advisor representatives, offering a range of portfolio management options, including automated and tax-aware services.

Meagan Bourgeois is a Series 66-licensed financial advisor with Janney Montgomery Scott, based in Goldsboro, NC, with 14 years of industry experience. She previously worked at Raymond James Financial Services Advisors Inc. and has been associated with Goldsboro Securities, LLC since 2011. Bourgeois serves as a board member of the Boys and Girls Club of Goldsboro. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage services, financial planning, and various advisory programs supported by both in-house and third-party portfolio management.

James Maples is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 65 and Series 63 credentials and previously served 11 years in the United States Air Force, continuing his military involvement as a maintenance supervisor with the Air Force Reserves. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and manage model portfolios and select third-party managers.

Athena Doty is a financial advisor at Janney Montgomery Scott with 18 years of industry experience. She holds the Series 66 designation and has worked extensively at Raymond James and Goldsboro Securities before joining Janney Montgomery Scott in 2017. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Jimmy Hare is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Janney Montgomery Scott since 2020 and previously held roles at Wells Fargo Advisors and Wells Fargo Clearing. Hare serves as a board member for the Wayne Pregnancy Center, assisting mothers with educational classes and resources. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, and multiple advisory programs.

Jesse Parks is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Janney Montgomery Scott since 2017 following a 14-year tenure at Sterne, Agee & Leach, Inc. Parks serves on the board of directors for the Wayne Memorial Hospital Foundation, a nonprofit organization dedicated to supporting hospital-related activities. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and advisory programs with a combination of in-house and third-party asset management.

Ryan Riedel is a financial advisor at D.A. Davidson & Co. in Farmville, NC, with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Truist Advisory Services, Santander Securities, and Bass Pro Shops. D.A. Davidson & Co. offers investment advisory and brokerage services to a broad client base, including retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm provides fiduciary advisory services, ERISA-compliant retirement plan advice, comprehensive financial planning, and a Private Wealth program for clients with over $20 million in net worth.

Julie Daniels is a financial advisor with Janney Montgomery Scott in Goldsboro, NC, holding a Series 66 designation and 11 years of industry experience. She has worked at various related firms including Truist Advisory Services and Bb&T. Daniels is a steering committee member of the Military Affairs Committee at the Wayne County Chamber of Commerce and serves as a board member of Wayne County NC ABC. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional clients, offering a range of brokerage, financial planning, and advisory programs with both in-house and third-party portfolio management.

William Goggin is a financial advisor with First Command Advisory Services, holding a Series 66 credential and seven years of industry experience. He has worked at First Command in multiple capacities since 2019 and has served in the United States Air Force since 1997. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Michael Spears is a financial advisor with Commonwealth Financial Network in Kinston, NC, holding Series 63 and Series 65 designations and 30 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2019 before joining Commonwealth and Crossbridge Financial Group in 2019. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs and services including wealth management and retirement plan consulting. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors who manage client portfolios using a variety of securities and insurance products.

John Best is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2023. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC between 2009 and 2023. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, estates, corporate and retirement plan sponsors, as well as charitable and municipal clients, offering brokerage, financial planning, and advisory services through a mix of in-house and third-party portfolio management.

Zachary Loraine is a financial advisor with First Command Advisory Services who holds a Series 66 designation and has 11 years of industry experience. He has been with First Command Advisory Services and its affiliated entities since 2015, including First Command Financial Planning Inc. and First Command Insurance Services Inc. First Command Advisory Services is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and monitor model portfolios and select third-party managers.

Barbara Matthews is a financial advisor at Janney Montgomery Scott with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing and Branch Banking and Trust Company prior to joining Janney. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base through brokerage services, financial planning, consulting, and various advisory programs, combining in-house and third-party portfolio management.

Johnathan Gaynor is a financial advisor with First Command Advisory Services holding Series 65 and Series 63 certifications. He began his advisory career in 2025 and previously served 21 years in the United States Air Force. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed by centralized teams using prescreened third-party managers.

Casper Nathe is a financial advisor at First Command Advisory Services with three years of industry experience. He holds the Series 66 designation and has prior work experience with First Command Insurance Services, First Command Brokerage Services, and served six years in the United States Air Force. First Command Advisory Services, Inc. is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and various wrap-fee asset management programs that utilize model portfolios and third-party managers selected by an internal Investment Management Team.

Michael Daly is a financial advisor at First Command Advisory Services with 21 years of industry experience. He has been with First Command-affiliated firms since 2005 and holds Series 63 and Series 65 licenses. Daly serves as a board member for Vet Partners, a nonprofit organization supporting veterinary practice consultants and professionals. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to select model portfolios and third-party managers.

Kenneth Neal Jr. is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Curtis Media Group. Neal also serves on the Board of Directors for the Wayne County Chamber of Commerce and is the Chairperson of the Board, focusing on community promotion and organizational leadership. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Emily Pittman is a financial advisor at Janney Montgomery Scott in Goldsboro, NC, holding Series 63 and Series 66 licenses with four years of industry experience. She worked at Wells Fargo Clearing and Wells Fargo Advisors prior to joining Janney Montgomery Scott in 2023. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, as well as charitable and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Mark Conway is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 34 years of industry experience. He has been with Cambridge since 2016 and also operates his own firms, Conway & Co Inc., an insurance agency, and a real estate brokerage where he serves as broker-in-charge. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering comprehensive financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm provides a range of investment solutions including proprietary model strategies and access to unaffiliated portfolio managers, with both discretionary and non-discretionary options tailored to client objectives.

Justin Hardee is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked in various capacities within Wells Fargo entities since 2014. Outside of his advisory role, Hardee holds ownership interests in several real estate-related business ventures in Greenville, NC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services, including specialized planning for business owners, sports and entertainment professionals, and clients with unique needs. The firm uses proprietary research and tools to develop tailored recommendations, with clients deciding how to implement them.

Lucas Krier is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and four years of industry experience. Prior to his financial career, he played football at Duke University from 2018 to 2021 and at North Carolina State University from 2014 to 2018. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2021. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, goal-oriented plans.

Matthew Malone is a financial advisor at Edward Jones in Kinston, NC, holding CFP® and Series 66 designations with 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large nationwide network of advisors and branch offices.

Matthew Worthington is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds the Series 66 designation and has prior experience at First Citizens Investor Services and Securian Financial Services. Worthington has also worked in insurance agency roles outside of investment advisory. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a variety of portfolio management approaches and platform arrangements.

Matthew Schade is a financial advisor with Mass Mutual Investors Services, holding Series 63 and 65 designations and bringing 24 years of industry experience. His prior roles include positions at Hornor Townsend and Kent, Inc. and Penn Mutual Life Insurance Company. Outside of his advisory work, he serves as a board member for the Marlins of Raleigh swim team. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, and nonprofit organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools and also offers specialized programs such as estate settlement and employer-sponsored planning.

Mark Conway Jr. is a financial advisor with Cambridge Investment Research Advisors, holding the CFP® and Series 63 designations and bringing 55 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of financial advising, he owns and operates multiple business ventures in Kinston, NC, including real estate brokerage and insurance agencies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals using a variety of portfolio management strategies and platform arrangements.

Roland Andrews is a financial advisor with Edward Jones in Snow Hill, NC, holding Series 63 and Series 66 credentials and with 26 years of industry experience. He has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated investment products under a fiduciary standard.

Justin Tart is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. since 2017. Prior to this, he worked at Wells Fargo Advisors for eight years. Outside of his advisory role, Tart is a partner in GoodBodies 24/7 Fitness Inc. and serves as president of Tart Holdings, LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutions. The firm uses tailored planning and analytical tools to support client goals and offers specialized advisory programs alongside municipal and public finance services.

Thomas Stroud Jr is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He holds the Series 66 designation and has worked within various Wells Fargo entities since 2015. Outside of his advisory role, he serves on the boards of two condominium homeowner associations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services utilizing proprietary research and planning tools, and it integrates advisory services with other financial product sales and referral channels.

Frank Fisher III is a CFP®-certified financial advisor with 33 years of industry experience, currently serving at RBC Capital Markets since 2008. He is involved in several nonprofit and community organizations, including serving as secretary on the board of a homeowners association, fundraising chair for Kairos Prison Ministry International, and chairman of the Missions Committee at St. James United Methodist Church. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers and tailoring strategies to clients’ risk profiles.

Grayson Hussey is a financial advisor at Edward Jones in Goldsboro, NC, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2017, he worked at Norfolk Southern Corporation from 2011 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large nationwide network of advisors and branch offices, managing approximately $1.01 trillion in assets under management.

Sarah Peninger is a financial advisor at Edward Jones with 23 years of experience at the firm. She holds the Series 66 designation and is based in Farmville, North Carolina. Edward Jones is a full-service wealth management firm serving over four million 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard when providing advisory services.

Zachary Goins is a Series 66 licensed financial advisor with seven years of industry experience, currently working at Wells Fargo Advisors since 2024. His prior experience includes roles at Wells Fargo Clearings Services, LLC, Western & Southern Life Insurance, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Sia Group. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using Wells Fargo research and tools, with tailored recommendations delivered through meetings and client summaries.

Elizabeth Barnes is a financial advisor with Edward Jones in Farmville, NC. She holds a Series 66 designation and has three years of industry experience. Barnes has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tammy Malone is a Series 66-licensed financial advisor with Edward Jones in Kinston, NC, where she has worked since 2016. She has nine years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a comprehensive range of advisory programs and affiliated financial products. The firm operates a large network of advisors and branch offices, offering discretionary and non-discretionary investment strategies and maintaining affiliated capabilities such as a trust company and securities-based lending.

Domenica Stuckey is a financial advisor with Mass Mutual Investors Services in Goldsboro, NC, holding Series 63 and Series 65 credentials and 15 years of industry experience. She has worked at MML Investors Services Inc and MassMutual Financial Group since 2010. Outside of her advisory role, she owns a property and casualty insurance business. 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, with planning engagements structured as annual, collaborative relationships that emphasize analysis of client goals and recommendations for investment categories and strategies.

Jasper Monroe Jr. is a financial advisor with LPL Enterprise, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. His prior roles include six years with Pruco Securities, LLC and fifteen years at Southern Bank & Trust Co. Outside of his advisory work, he is involved with Sound Financial Solutions, Inc., supporting his Prudential Advisor business alongside a team. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and also offers financial planning, access to asset managers, and affiliated trust and insurance services.

Raymond Wickham III is a financial advisor with Mass Mutual Investors Services in Goldsboro, NC, holding Series 63 and Series 65 credentials and 13 years of industry experience. He previously worked at Hornor, Townsend & Kent, Inc. and Penn Mutual Life Insurance Company. Outside of his advisory work, he is the owner of Arbor P&C Insurance, a property and casualty insurance business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved software and delivers written recommendations, with optional implementation through separate brokerage or insurance arrangements.

Neal Fox is a financial advisor at Edward Jones in Farmville, NC, holding Series 63 and Series 66 designations with 24 years of industry experience. He has been with Edward Jones since 2001. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including diverse client segments such as high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.