Nate Joseph Urso

Will Nordt is a CERTIFIED FINANCIAL PLANNER™ professional and an IRS Enrolled Agent at Virginia Asset Management in Midlothian, Virginia & Charlottesville, Virginia. He is the firm's only Enrolled Agent, and he works with Richmond and Charlottesville-area corporate executives, business owners, and high-income families whose financial lives have grown complicated enough that taxes drive most of the important decisions. The Enrolled Agent credential is the highest tax designation the IRS awards, and it is uncommon among financial advisors. Will does not prepare tax returns. He reads them. He models what a decision will cost before it gets made, and he coordinates directly with a client's CPA so the plan and the filing agree. As an Enrolled Agent, he is also authorized to represent clients before the IRS. That matters because of a gap most people do not notice until it costs them money. The financial advisor never sees the tax return. The CPA never sees the portfolio. Both are competent, and the plan still leaks, because nobody is holding both documents at once. Executives and equity-compensated professionals. When to exercise incentive stock options and how to manage alternative minimum tax exposure. What to do when RSUs vest and the default withholding falls short. Whether to participate in an ESPP. Deferred compensation elections that come due in November with real consequences and no guidance attached. How to diversify out of a concentrated position in employer stock without triggering an avoidable bill. Multi-year Roth conversion and charitable planning modeled against an actual return rather than an estimated bracket. Business owners. Entity and compensation structure, retirement plan design, key employee retention strategies, and preparing a company for a marketable sale, planned against the owner's personal balance sheet instead of treated as a separate exercise. Families managing complexity. Households come to Will at pivotal moments: a promotion, a liquidity event, an inheritance, a business sale, the approach of retirement. For many of these clients he serves as the family's CFO, the single point of coordination across investments, tax strategy, estate documents, and insurance. Will is a member of the Estate Planning Council of Richmond, Virginia, one of the oldest estate planning councils in continuous operation in the country, and a member of the Financial Services Institute. He began his career on the tax side at Hantzmon Wiebel LLP in Charlottesville before joining Virginia Asset Management in 2021. Will earned a bachelor's degree in Applied Statistics and Economics from the University of Virginia, where he served as a Young Life leader at Journey Middle School in Albemarle County. He and his wife, Grace, live in Richmond with their miniature Australian Shepherd, Birdie. They are active members of City Church of Richmond. Outside of work, Will enjoys golf, good bourbon, and cheering on UVA Men's Basketball and Manchester United. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining advisor-managed accounts and third-party solutions, supported by its institutional structure and retirement capabilities. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification mark CFP® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. As an Enrolled Agent (EA), William R. Nordt is admitted to provide tax advice and representation before the IRS. Tax advisory services provided by William R. Nordt are offered through a separate entity independent of Cetera and Virginia Asset Management. Any tax advice contained herein is based on current federal tax law and is provided for informational purposes only, based on the facts as presented. This advice may change if additional information becomes available or if applicable law changes. No assurance is given that the IRS or any taxing authority will agree with the conclusions expressed. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Virginia Asset Management is independently owned and operated.

Paavan Kotini is the sole advisor at Kotini Capital Advisors LLC in Glen Allen, VA. He holds a Series 65 designation and has industry experience beginning in 2024, with prior roles including five years at CarMax and ongoing involvement in Kotini & Kotini LLC since 2011. Outside of advisory work, he is associated with an insurance company and a virtual family-office entity. Kotini Capital Advisors is an independent firm offering asset management and fee-based financial planning to individuals, high-net-worth clients, trusts, estates, foundations, endowments, corporations, and small businesses. The firm follows an institutional endowment model investment approach with broad diversification and includes alternative and less-liquid investments, implementing strategies through ETFs, mutual funds, separate accounts, and third-party managers.

Daniel Douglas is a financial advisor at Empire Wealth Management, LLC in Moseley, VA, holding Series 63 and Series 66 licenses with 17 years of industry experience. He has been with Empire Wealth Management since 2010, serving as the sole advisor at the firm. Empire Wealth Management is a small, independent registered investment adviser providing discretionary and non-discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth clients, businesses, charities, and small employer-sponsored retirement plans. The firm employs a combination of Modern Portfolio Theory, long-term purchase strategies, and technical analysis to tailor investment allocations based on client objectives, time horizons, and risk tolerance.

Jb Bryan is the principal of J. B. Bryan Financial Group, Inc., an independent advisory firm based in Richmond, VA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Bryan has led his firm since 1995 and is also a licensed insurance agent for life, health, and property and casualty insurance. J. B. Bryan Financial Group serves a limited client roster that includes individuals, high-net-worth clients, trusts, corporate pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers comprehensive financial planning, consulting, portfolio management, and insurance products, delivering non-discretionary advisory services combined with written plans and tailored recommendations.

Charan Manektala is the principal advisor at Manektala Investment Advisory Services Inc. based in Powhatan, VA, with nine years of industry experience. His background includes roles with Prudential Financial Planning Services and The Prudential Insurance Company of America. Outside of financial advising, he serves as president of two companies providing technology consulting and educational services in math and science. Manektala Investment Advisory Services is an independent registered investment adviser that serves high-net-worth individuals, business entities, and qualified retirement plans. The firm offers tailored asset management and financial planning, incorporating various analytical methods and strategies, and provides ERISA 3(21) pension consulting and monitoring for plan sponsors.

James Thornton Jr. is a financial advisor at Fifth Pointe with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Rocket Mortgage, Capital One, and Money Concepts Capital Corp. Outside of advisory services, he owns and operates an insurance agency offering property, casualty, and health insurance products. Fifth Pointe provides financial planning, consulting, portfolio management, and algorithm-driven robo-advisory services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, and institutional entities. The firm combines traditional advisory services with affiliated insurance and mortgage offerings, seminars, and pension consulting.