The son of a CPA and a public school teacher, M. Radcliff Lowery grew up on the Grand Strand, and continued his love of the area by attending Coastal Carolina University. After earning degrees in both Accounting and Finance, he began his career in Greenville, SC with Deloitte Touche Tohmatsu, providing assurance and advisory services. Deciding to shift his career focus toward helping small businesses and individuals with their tax and financial decisions, Rad returned to the Myrtle Beach area and began working for a local CPA firm. There he provided business and tax services while also working directly within the financial services industry. After completing the necessary requirements, he became a Certified Financial Planner (CFP®), and Personal Financial Specialist (PFS). Rad went on to open a Registered Investment Advisory firm to assist in facilitating his clients' needs. To further strengthen his aptitude, he decided to partner with Christopher St. John and eventually formed Carolina Wealth Advisors, LLC. Their friendship had begun many years earlier while obtaining undergraduate degrees from Coastal Carolina University. Continuing his education Rad earned a Master's degree in Finance (MFIN) from The Pennsylvania State University, and completed the rigorous journey of becoming a CFA® charterholder.