About Us

foss-bioCreig Foss
President/CEO

Creig Foss is a well-known financial planner serving the eastern North Carolina area since 1981. He is skilled in helping retirees and pre-retiree efficiently plan their financial future. Creig’s expertise also extends to the needs of small business owners. Believing that each individual’s case is unique, Creig listens carefully to understand each person’s goals, shunning any “cookie-cutter” approach to financial planning. Instead, he utilizes his knowledge and industry knowledge to develop an optimal, high-quality solution that meets his clients’ specific needs and goals. Raised on a farm in Lenoir County, Creig learned the values of hard work, honesty and personal initiative. Creig is a graduate of UNC at Wilmington with a B.S. degree in business administration. Away from the office, Creig is an avid salt water enthusiast. He enjoys every aspect of coastal living, whether offshore fishing or just playing with the kids or grandkids in the waterway.

Strategic Alliances

 

Michael Binger, CFA®
President
Gradient Investments, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

Keith Gangl, CFA®
Portfolio Manager
Gradient Investments, LLC

Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

Kyle Bergacker, CFA®
Portfolio Manager
Gradient Investments, LLC

Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.

*This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.