Israel Chavez Jr.

Richard Gardner is a CFP® professional with 21 years of industry experience, currently serving as the sole advisor at Lionheart Financial Planning, Inc. He has been with the firm since 2004. Lionheart Financial Planning, Inc. is an independent, fee-only firm providing personalized financial planning and investment management to individuals, charitable organizations, and small businesses. The firm emphasizes comprehensive planning, written performance reporting, and a core-and-satellite investment approach while maintaining client custody of assets.

John Morlu II is a CFP® professional with five years of experience in financial advising, currently operating through his firm, Pithom Advisors, Inc. Based in Woodbridge, VA, he also serves as the owner and managing partner of JS Morlu, LLC, a CPA firm. Pithom Advisors serves individuals, families, and business owners, offering investment management and comprehensive financial planning covering retirement, estate, tax, insurance, education, and business-owner needs. The firm employs a passive, risk-aware investment approach utilizing tools such as efficient-frontier analysis and Monte Carlo simulations, focusing on low-cost funds and ETFs and integrating tax-focused financial planning and alternative billing arrangements.

David Thompson is a financial advisor at Petra Wealth Management with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sovereign Capital Vantage, Inc. for five years. Outside of finance, he was involved with Prestige Ballroom LLC for seven years. Petra Wealth Management is a fee-only registered investment adviser serving individuals, trusts, small businesses, and a diverse range of institutional and nonprofit clients. The firm develops client-specific investment policies and manages portfolios on a discretionary basis, combining fundamental and technical analysis while offering extensive planning services including business planning, divorce financial analysis, and estate planning support.

Omen Quelvog is a CFP®-credentialed financial advisor with two years of industry experience. He serves as the sole advisor at Formynder Wealth Management, LLC, an independent firm based in Fredericksburg, VA. Prior to his financial advisory career, Quelvog served 25 years in the United States Marine Corps. He also hosts an educational podcast focused on service members, veterans, and their families. Formynder Wealth Management provides investment management and financial planning services to individual and high-net-worth clients, using a flat-fee pricing model and an investment approach centered on asset allocation and long-term, largely passive strategies. The firm offers bundled tax coordination and can incorporate biblically conscious investment screens upon client request.

Virgil Folden is a financial advisor with Fredericksburg Financial Planning Services, Inc. in Fredericksburg, VA, holding a Series 63 designation and over 43 years of industry experience. He has worked at Saxony Securities and Sandlapper Securities, and has been involved with Fredericksburg Financial Services since 1982. Outside of advisory work, he serves as a Board Chairman for the Spotsylvania County Board of Equalization, is President of the Finance Committee at Trinity Episcopal Church, and coaches middle school football. Fredericksburg Financial Planning Services serves individual clients, including high-net-worth individuals and business owners, providing comprehensive financial planning in areas such as retirement, tax, risk management, and estate planning. The firm takes a long-term investment approach, offering clients choice in transaction execution without taking custody of assets or using percentage-of-assets billing. The principal also provides tax preparation and financial analysis for divorce cases, combining advisory services with product sales in a manner uncommon among independent solo advisors.

Quiltina Smith is a financial advisor at The Financial T with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at First Command Advisory Services and related entities prior to joining her current firm in 2019. The Financial T serves primarily individual clients and employer plan sponsors, offering tailored portfolio management, comprehensive financial consulting, and retirement plan services. The firm emphasizes a passive investment approach using index mutual funds and ETFs, operating mainly on a non-discretionary basis with regular account reviews.