Lloyd Prudent

Dean Phass is a financial advisor at Jade Financial LLC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Truist Advisory Services and Truist Investment Services. He is also a licensed insurance agent, though he is not currently active in that capacity. Jade Financial LLC provides portfolio management and financial planning services to individual and high-net-worth clients, combining advisory services with insurance brokerage. The firm employs a range of investment strategies, including access to third-party model portfolios and tax-efficiency tools, and offers both discretionary and primarily non-discretionary asset management.

Richard Gardner is a CFP® and Series 65-licensed financial advisor with 20 years of industry experience. He has been the sole advisor at Lionheart Financial Planning, Inc. since 2004. Lionheart Financial Planning, Inc. is an independent, fee-only firm serving individuals, charitable organizations, and small businesses. The firm provides comprehensive financial planning and investment management, emphasizing written plans, investment policy statements, and quarterly reporting, with a core-and-satellite investment approach that primarily uses passive index and ETF holdings.

John Morlu II is a CFP® with five years of experience in financial advising and has been with Pithom Advisors, Inc. since 2020. He is also the owner and managing partner of JS Morlu, LLC, a CPA firm he has operated since 2012. Pithom Advisors, Inc. serves individuals, families, and business owners with investment management and comprehensive financial planning, including retirement, estate, tax, insurance, education, and business-owner planning. The firm uses a passive, risk-aware investment approach focused on low-cost funds and ETFs and offers plan-level retirement consulting for employer-sponsored plans.

I’m Dedrick Curtis, founder and lead planner at Penny Earned Financial. After dedicating 20 years to helping others improve their lives, I founded Penny Earned to provide honest, transparent financial guidance that truly puts people first. Too often, I saw traditional financial advising prioritize sales over solutions, and I knew there had to be a better way. As a Veteran and Military Spouse, I have a deep understanding of the unique financial challenges faced by those who serve. That’s why I specialize in working with service members, veterans, and anyone striving for a brighter financial future. As a CERTIFIED FINANCIAL PLANNER® professional, I’m committed to upholding the fiduciary standard, always acting in your best interests. My mission is to help you confidently navigate life’s financial decisions with clarity and purpose.

Brian Hoyle is a financial advisor at The Fintel Group LLC with nine years of industry experience. He holds a Series 65 designation and has worked in various roles including Senior Instructional Designer at General Dynamics Information Technology since 2018. His prior experience includes positions at ManTech International, Cummings & Carroll, P.C., and Prince William County Schools. The Fintel Group LLC provides comprehensive and modular financial planning services to individuals, couples, and small businesses. The firm focuses on fee-only planning projects with long-term, buy-and-hold investment strategies emphasizing diversified asset allocation and low-cost mutual funds, without offering ongoing asset management or custody of client assets.

Quiltina Smith is a financial advisor with The Financial T, LLC, holding Series 63 and Series 65 registrations and bringing 11 years of industry experience. She previously worked at First Command Advisory Services, First Command Insurance Services, and First Command Financial Planning. The Financial T serves individual clients and employer plan sponsors, focusing on non-discretionary portfolio management and comprehensive financial consulting. The firm employs a passive investment approach based on Modern Portfolio Theory, using index mutual funds and ETFs, and provides employee benefit plan consulting alongside regular account reviews.