Robert Michael Shreve

William Cameron is a CERTIFIED FINANCIAL PLANNER™ professional with 29 years of experience. He has been the sole advisor at Third Millennium Advisors, Inc. since founding the firm in 1997 in Barboursville, Virginia. Third Millennium Advisors is an independent, state-registered investment adviser serving a small roster of individual clients, both high-net-worth and non-high-net-worth. The firm provides discretionary portfolio management, financial planning, and consulting, employing a blend of fundamental, technical, quantitative, and qualitative analysis to develop personalized investment policies.

Michael Karwic is a CFP® professional with 29 years of industry experience, currently serving as an advisor at Glenayr Family Advisors LLC. His prior roles include positions at Morgan Stanley, Merrill, Lincoln Investment, and other firms. Outside of financial advising, he teaches Transition Finances as a faculty member with The Sudden Money Institute and owns a woodworking business through Apogee Innovations, LLC. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, including those facing sudden wealth or major life transitions. The firm emphasizes values- and goals-based life planning using the Kinder Method and provides educational seminars, referring clients to third-party money managers rather than managing portfolios directly.

Peggy Frye is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Glenayr Family Advisors LLC. Her prior experience includes roles at Citigroup Global Markets, Citicorp Investment Services, Walsh & Associates, LLC, and Independent Financial Partners. Outside of advising, she is an adjunct instructor at the Kinder Institute of Life Planning and the Financial Transitionist Institute and co-owns a working farm that breeds championship show dogs and Angus beef cattle. Glenayr Family Advisors provides holistic financial life and transition planning to individuals, couples, professionals, business owners, and multi-generational families. The firm focuses on values- and goals-based planning, offers educational seminars, and refers clients to third-party money managers rather than managing portfolios directly.

Letitia Scalise is a financial advisor with Indivisible Partners, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked at Somerset Advisory, Quasar Distributors, and Torray Investment Partners, where she was a partner managing client relations and marketing. Indivisible Partners is an SEC-registered firm serving individuals, high-net-worth clients, trusts, charitable organizations, and businesses. The firm employs a strategic asset allocation framework with active, passive, or blended investment approaches tailored to client risk profiles and offers access to third-party managers, model portfolios, and alternative investments.

David Parkinson is a CFA® charterholder based in Orange, Virginia, with 23 years of experience in the financial services industry. He has worked at Greylin Investment Management Inc for over three decades and held roles at Pgi Wealth Management before joining CWM, LLC and Carson Wealth in 2026. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools, with an emphasis on retirement plan services and transparent conflict-of-interest disclosures.

Gregory Lohr is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at MML Investors Services and Massachusetts Mutual Life Insurance Company before joining Commonwealth and founding Lohr & Company, LLC. Outside of advisory work, he is president and co-owner of Rehoboth Farms, LLC, which manages a private farm raising Angus steers and rents property as a wedding venue, and is co-owner of 4 Buckets Retirement, LLC, a book sales and intellectual property business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, technology, and operational support. The firm offers discretionary model portfolios and customized investment solutions while operating as a platform provider for affiliated advisors.