Michael Carrier is the sole advisor at Michael S. Carrier & Associates, Inc., an independent firm based in Highlands, NC. He holds a Series 65 designation and has 27 years of industry experience, having led his firm since 1997. Michael S. Carrier & Associates provides investment advice and portfolio management primarily to individuals, trusts, and small businesses. The firm tailors portfolios based on client profiles and conducts ongoing reviews, managing accounts on a discretionary basis without imposing a firm-wide minimum account size.

Donald Mcclellan is a financial advisor with Covenant Investment Solutions LLC in Highlands, NC, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. Prior to founding Covenant Investment Solutions in 2018, he worked at Pruco Securities LLC for three years. He serves as a board member and president of the Highlands Historical Society and is a member of the Rotary Club of Highlands. Covenant Investment Solutions LLC provides discretionary and non-discretionary portfolio management and investment advice to individuals, high-net-worth clients, charitable organizations, and business entities. The firm employs tailored strategies based on clients’ objectives and risk tolerance, utilizing proprietary model portfolios and a combination of fundamental, technical, and cyclical analysis.

Harold Vincent is a financial advisor with Attainment Asset Management LLC in Clayton, GA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His prior work includes roles at Oppenheimer & Co. Inc. and Bb&T Investment Services, Inc. He is also a licensed insurance agent. Attainment Asset Management provides discretionary asset management and separate financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm uses fundamental and technical analysis to manage client portfolios according to their objectives and risk tolerance.

Logan Mc Coy is a Series 65-licensed financial advisor at Freedom Capital Advisors Inc. with one year of industry experience. Prior to joining Freedom Capital Advisors, he worked at NewLife Auto and Firestone. Freedom Capital Advisors provides personalized investment advisory and financial planning services primarily to individual investors, joint accounts, IRAs, trusts, and corporate accounts. The firm follows a conservative, value-driven investment approach emphasizing income generation and risk-adjusted returns through strategies such as dividend and fixed-income allocations, covered call writing, and an actively managed options-based Levered Options Writing Strategy.

David Tice is a financial advisor with Moran Tice Capital Management LLC, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. He previously worked at Ranger Alternative Management, LP from 2020 to 2024 and has been involved with Tice Capital, LLC since 2011, where he serves as Chief Executive Officer providing consulting services on macro themes to investment firms and professionals. Moran Tice Capital Management LLC offers discretionary portfolio management primarily for accredited, high-net-worth, and institutional investors through private pooled investment vehicles and separately managed accounts. The firm focuses on long/short equity strategies with an emphasis on precious-metals equities and employs research-driven trading with full discretionary authority across its funds and accounts.

Michael Denti is a financial advisor at Summit Financial, LLC with 41 years of industry experience. He has held positions at Merrill and Bank of America, NA, and joined Summit Financial in 2023. Denti holds Series 63 and Series 65 licenses and conducts insurance sales through various insurance companies, including an affiliated firm. Summit Financial, LLC is an SEC-registered, multi-team advisory firm managing approximately $26.35 billion in assets for around 17,800 clients. The firm offers a range of investment advisory and portfolio management programs, financial planning, and retirement plan advisory services, operating both discretionary and consultative platforms.

Stephen Nash is a CFP®-designated financial advisor with 16 years of industry experience. He is currently with Empower Advisory Group and previously worked at TIAA and TIAA-CREF for 13 years. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, delivering services through a model integrated with Empower’s recordkeeping and administrative platforms. The firm focuses on long-term portfolio returns and client savings rates, offering point-in-time financial plans and optional managed account solutions.

Alexander Harrison is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 27 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 25 years before joining Commonwealth and Aegis Consulting Group, where he is co-owner and vice president. Harrison is also a co-author of the book "Master Your Financial Success." Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and comprehensive back-office support, including investment management, compliance, and technology services.

Lee Penland is a financial advisor with Guardian Life who holds a Series 63 designation and has 47 years of industry experience. He previously worked at Kestra Advisory and Kestra Investment Services, LLC for over 20 years before joining Guardian Life. Outside of his advisory role, Penland is involved with the Lake Burton Civic Association and operates Penland Associates, LLC. Guardian Life’s subsidiary, Park Avenue Securities LLC, serves individuals, pension plans, charitable organizations, and corporate clients by offering brokerage services, financial planning, and investment advisory programs that include proprietary and third-party models.

Kyle Maxwell is a financial advisor at Rockefeller Financial LLC with 21 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Rockefeller Financial in 2022, he worked at Bank of America, N.A. for 13 years and Merrill for 17 years. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, retirement plans, foundations, and corporations. The firm offers discretionary and non-discretionary portfolio management, financial planning, consulting, and operates as a registered broker-dealer providing securities transactions, variable insurance products, and investment banking services.

York Mendoza is a Series 66-licensed advisor with two years of industry experience. He is currently with LPL Financial, having held previous roles at Ameriprise, SagePoint Financial, and Pearson Financial Group, among others. Outside of his advisory work, he has engaged in traveling and playing soccer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various investment strategies and operational tools.

Samuel Morse Jr is a financial advisor at Stifel with 31 years of industry experience. He has been with Stifel since 2009 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a managing partner and trustee in family-owned real estate and investment-related partnerships. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Robert Vingi Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he hosts a personal podcast unrelated to his business activities. 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 services. 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.

George Thornhill is a CFP® professional with 44 years of experience in the financial industry, currently serving at LPL Financial since 2026. He previously worked at UBS Financial Services Inc. for 18 years and held positions at Morgan Stanley and Morgan Stanley DW Inc. Thornhill is involved in various business ventures, including agriculture, food distribution, and community organizations, and serves as treasurer for the charity Heart 4 Winter Haven. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with technology tools and managing over $819 billion in discretionary assets.

Todd Holder is a financial advisor with Edward Jones in Highlands, NC, holding a Series 66 designation and five years of industry experience. He has worked at Edward Jones since 2020 and previously was associated with Dan Gilbert Insurance Agency and operated a personal advisory practice from 2013 to 2020. Outside of his advisory work, he has involvement with churches, retirement centers, and individual students. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and is noted for its extensive advisor and branch network as well as its range of affiliated services beyond traditional advisory offerings.

Justin Souma is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at LPL Financial. His career includes prior roles at Benjamin F. Edwards & Co, Wells Fargo Clearing, and A.G. Edwards & Sons, Inc. In addition to his advisory work, he is a business owner of Seven Oaks Farm at Hickory Ridge, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment solutions including model portfolios, third-party asset management, and institutional platforms.

Joshua Parker is a Series 66 licensed financial advisor at Cetera with two years of industry experience. Prior to joining Cetera, he served in the U.S. Army for 13 years and held roles at Thrivent Financial. Outside of his advisory work, he is a partner in an LLC that manages a short-term rental cabin near his residence. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of investment management and financial planning services through a nationwide network of independent advisors.

Ronald May is a CFP® professional with 48 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2021, following a 13-year tenure at Wells Fargo Advisors. He is also a 70% owner of May Wealth Advisors Raymond James, an independent business. 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 offers non-discretionary planning tailored to client goals and supports municipal and public-finance work, along with specialized advisory programs.

Jerry Wright is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked at LPL Financial and Wright & Frank since 1994. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and a range of advisory and non-advisory financial products.

Mary Beth Brody is a financial advisor at Ameriprise with 28 years of industry experience. She previously worked at Edward Jones for nine years and has been with Ameriprise since 2022. Brody serves on a local board of directors in Highlands, North Carolina. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Richard Curcio is a CFP® professional with 23 years of experience in financial advising, currently affiliated with Mass Mutual Investors Services. His prior work includes positions at AXA Advisors LLC, Raymond James Financial Services, and Fulton Bank. Beyond his advisory role, he owns RMC Consulting Services, providing CPA and tax preparation, and also consults and coaches chiropractors and business owners on business development. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm uses a structured, collaborative planning process supported by firm-approved analytical tools and provides a range of educational and event-driven planning programs.

Martin Truax is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory work, Truax oversees Chota Falls LLC, a business he runs with his wife, and serves as CEO and board member of the Two Hearts Foundation, a nonprofit organization. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services across various portfolio management styles supported by affiliated research and model managers.

Jeff Velastegui is a financial advisor with Mass Mutual Investors Services in Clayton, GA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2007. Velastegui is the founder and president of the Sonrisa Foundation, a nonprofit organization focused on organizing annual community activities and providing financial assistance for youth education. He also serves on the board of directors at Rabun Gap-Nacoochee School and is a member of the trust committee at Saint Peters Church. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning engagements using firm-approved analytical tools and offers event-driven planning programs such as divorce planning, estate settlement, and employer-sponsored planning.

William Murphy is a financial advisor at UBS Financial Services with 52 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Erik Selness is a CFP®-designated financial advisor with Raymond James Financial, bringing 18 years of industry experience. He has been with Raymond James Financial Services Advisors Inc. since 2015. Outside of his advisory role, Selness serves on the finance and investment committee of the First Presbyterian Church of Highlands, assisting with the management of church endowments. 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, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide network of advisors with institutional and municipal advisory services.

Andrew Dill is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and affiliated with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market simulations.

Clay Rucker is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with Raymond James & Associates since 1997. Rucker serves on advisory boards for the Church of the Incarnation and the Highlands Cashiers Health Foundation, focusing on finance and investment committees. Raymond James & Associates is a large, dual-registered broker‑dealer and investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, drawing on a range of portfolio management styles and extensive affiliated research.

Ara Joyce is a financial advisor at Edward Jones in Clayton, GA, with 15 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his advisory role, Joyce is involved in operating a craft brewery, Currahee Brewing, where he hosts nonprofit and trivia events. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and maintains a large national presence with over 23,700 financial advisors and $1.01 trillion in assets under management.