Richard Callison is a financial advisor with Virtue Capital Management, LLC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Lifemark Securities Corp., Tribal Capital Markets, LLC, and Red Oak Wealth Management, where he also serves as an independent insurance agent. Outside of financial services, he is secretary of Shenandoah Hospitality Group, Inc., which owns a hotel. Virtue Capital Management, LLC is a federally registered investment adviser serving a broad client base including individuals, trusts, estates, and institutions. The firm employs a multi-team model to deliver customized portfolio management, financial planning, and consulting services, utilizing tactical, strategic, and dynamic investment approaches.

Larry Jones is a financial advisor with Virtue Capital Management, LLC, holding the ChFC® designation and Series 65 license, and has 11 years of industry experience. His prior roles include positions at Navstar Financial Planning and Horter Investment Management. Outside his advisory work, he is involved in college planning and advising parents on the college experience through his roles with Navstar Financial Planning and College Funding Solutions. Virtue Capital Management serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm uses a combination of tactical, strategic, and dynamic investment approaches and supports clients through discretionary and non-discretionary portfolio management, financial planning, consulting, and sub-advisory services delivered via a multi-team model.

Christopher Clay is a financial advisor at Virtue Capital Management, LLC with 16 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Valic Financial Advisors, GWFS Equities, and Wells Fargo Investments. Outside of advising, he is involved in coaching dental practices on business development and insurance planning through Dental Impact. Virtue Capital Management, LLC serves individuals—including high-net-worth clients—trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm offers portfolio management, financial planning, consulting, and sub-advisory services, using tactical, strategic, and dynamic approaches within a multi-team model.

Jeremiah Threlkeld is a financial advisor with Virtue Capital Management, LLC, holding a Series 66 designation and 13 years of industry experience. He has worked at Virtue Capital Management since 2017 and previously held roles at Cambridge Investment Research Advisors, OSAIC Services, and Wells Fargo Advisors. In addition to his advisory work, he operates as an independent insurance agent for various companies. Virtue Capital Management, LLC serves a diverse range of clients including individuals, trusts, estates, charitable organizations, corporations, and qualified retirement plans. The firm employs a multi-team model offering discretionary and non-discretionary portfolio management, financial planning, and sub-advisory services, with customized investment strategies that combine tactical, strategic, and dynamic approaches.

Hugh Mcdonald is a financial advisor with Virtue Capital Management, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Virtue Capital Management since 2016 and previously worked at B. Riley Wealth Advisors, Inc. and Asset & Financial Planning, Ltd. Outside of his advisory role, Mcdonald is involved in several business ventures including serving as president of Atlantic College Planning, Inc., which provides college planning services. Virtue Capital Management, LLC is a federally registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios according to client goals and risk tolerance using tactical, strategic, and dynamic investment approaches, supported by a multi-team model and an investment committee that conducts due diligence on third-party managers.

Laura Stover is a financial advisor at Virtue Capital Management, LLC with 18 years of industry experience. She holds a Series 63 designation and has previously worked at Optivise Advisory Services, PanthRex Asset Management, and Brookstone Capital Management, among others. In addition to her advisory role, she owns LS Tax LLC, which utilizes CPAs for client tax returns and second opinion analyses, and also acts as an insurance agent. Ms. Stover may offer physical gold and silver to clients and receive commissions on these transactions. Virtue Capital Management, LLC is a federally registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm employs a multi-team model, offering discretionary and non-discretionary portfolio management, financial planning, and consulting while customizing portfolios using tactical, strategic, and dynamic approaches.

Russell Luna is a ChFC® with 11 years of industry experience, currently serving as an advisor at Virtue Capital Management, LLC since 2019. Prior to joining Virtue, he held roles at Fusion Capital Management, First Advisors National, LLC, and Crescent Financial among others. He is the owner of LUNA Wealth Management, which focuses on life, fixed, and indexed annuities as well as long-term care appointments. Luna is involved in several professional and charitable organizations, including serving as a board member for the American Cancer Society Nationwide Gift Planning Advisor Council and participating in multiple estate planning councils. Virtue Capital Management, LLC is a federally registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm offers portfolio management, financial planning, consulting, and sub-advisory services through a multi-team model, employing tactical, strategic, and dynamic investment approaches combined with due diligence on third-party managers and model strategies.

Justin Barwick is a financial advisor with Virtue Capital Management, LLC in St. Louis, MO. He holds a Series 65 designation and has 12 years of industry experience. Prior to joining Virtue Capital Management in 2016, he worked at Redhawk Wealth Advisors, Inc and Anixter. He is also involved in life and health insurance through Barwick Consulting Services. Virtue Capital Management serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm uses a mix of tactical, strategic, and dynamic investment approaches, supported by an investment committee that performs due diligence on third-party managers and model strategies.

Dean Statler Sr. is a financial advisor at Virtue Capital Management, LLC with eight years of industry experience. He holds a Series 65 designation and has previously worked at Brookstone Capital Management and Change Path LLC. Outside of his advisory role, he is involved in life and health insurance through Pathway to Retire, LLC, and refers clients for tax planning with Tax Plan Advisors; he also engages with estate planning software through MANA Estate Docs. Virtue Capital Management, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, estates, and institutional clients. The firm employs a multi-team model and combines tactical, strategic, and dynamic investment approaches, offering portfolio management, financial planning, and sub-advisory services while maintaining ongoing monitoring and client education.

Eric Brumagin is a financial advisor with Virtue Capital Management, LLC who holds Series 63 and Series 65 designations and has 30 years of industry experience. His prior firms include First Fidelity Wealth Advisors, Inc. and JD Mellberg Financial, among others. Outside of his advisory work, he is a member of First Fidelity NC, LLC, involved in insurance and annuity business activities. Virtue Capital Management is a multi-team registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios using tactical, strategic, and dynamic strategies and delivers advice through a model featuring multiple investment adviser representatives and independent partners.

Henry Parrott Jr. is a financial advisor at Virtue Capital Management, LLC with 30 years of industry experience. He holds the ChFC® designation and Series 63 license. Prior to joining Virtue Capital Management in 2023, he worked at Estate & Financial Strategies, Inc. for over two decades, where he serves as president. Outside of his advisory roles, he hosts a television show on News Channel 5+ called The Retirement Report, a radio show, and is the author of *7 Steps to Financial Freedom in Retirement*. Virtue Capital Management is a federally registered investment adviser serving a diverse client base including individuals, trusts, estates, charitable organizations, and qualified retirement plans. The firm customizes portfolios based on client goals and risk tolerance, employing tactical, strategic, and dynamic investment approaches through a multi-team model that includes ongoing monitoring, reporting, and client education.

Timothy Peterson is a financial advisor at Virtue Capital Management, LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at firms including Horter Investment Management and TWP Financial & Insurance Services, where he is also an owner involved in insurance services. Virtue Capital Management serves a diverse client base including individuals, trusts, estates, and institutions, offering customized portfolio management and financial planning through a multi-team model that includes due diligence on third-party managers and ongoing client education.

Jeffrey Heybrock is a financial advisor at Virtue Capital Management, LLC with 13 years of industry experience. He holds a Series 65 designation and has previously worked at Coppell Advisory Solutions LLC and Royal Fund Management LLC. Heybrock is also president of Heybrock Financial Group Inc and is a licensed insurance agent. Virtue Capital Management serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios using a combination of tactical, strategic, and dynamic approaches and operates through a multi-team model that includes ongoing monitoring, reporting, and client education.

Erik Luckstead is a financial advisor with Virtue Capital Management, LLC, holding a Series 65 designation and 14 years of industry experience. He has worked at Virtue Capital Management since 2019 and has held various roles in related businesses including Wealthstead LLC, where he serves as managing member providing business and loan consulting. Additionally, he owns an independent insurance agency focused on health, accident, and life benefits. Virtue Capital Management, LLC serves individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm customizes portfolios using tactical, strategic, and dynamic approaches and offers discretionary and non-discretionary management, financial planning, third-party manager due diligence, and sub-advisory services through a multi-team model.

Christopher Gelfuso is a financial advisor at Virtue Capital Management, LLC with two years of industry experience. He holds a Series 65 designation and has a background that includes roles at Avantax Advisory Services and Bridge Partners. Outside of advisory work, he is CEO of Gelfuso Enterprises, Inc., which provides tax planning, bookkeeping, and payroll services, and is involved in several small business ventures including trailer rentals and a home improvement supply company. Virtue Capital Management, LLC is a federally registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm uses a multi-team model and combines tactical, strategic, and dynamic investment approaches, offering portfolio management, financial planning, and sub-advisory services with a focus on customized client solutions.

Terry Coleman is a financial advisor with Virtue Capital Management, LLC, holding the ChFC® designation and Series 63 license, with 48 years of industry experience. He has worked at Virtue Capital Management since 2016 and has held roles at Retirement Resource Advisors and Retirement Resource Group since the early 2000s. Outside of his advisory roles, Coleman owns and manages Retirement Resource Group, which markets and sells fixed annuities, life insurance, and senior health products. Virtue Capital Management serves a broad range of clients including individuals, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and consulting services. The firm employs a multi-team model and combines tactical, strategic, and dynamic investment approaches, supported by an investment committee that conducts due diligence on third-party managers and model strategies.

Tyler Brown is a financial advisor at Virtue Capital Management, LLC with six years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has previously worked at Medallion Financial Resources and Wells Fargo in various roles. Virtue Capital Management, LLC serves individuals, including high-net-worth clients, trusts, estates, charitable organizations, corporations, and qualified retirement plans. The firm offers portfolio management, financial planning, third-party manager due diligence, and ERISA plan support, utilizing a multi-team model that combines tactical, strategic, and dynamic investment approaches.

William Howard is a CFP® professional with 24 years of industry experience, currently advising at Virtue Capital Management, LLC since 2019. His prior roles include positions at Cetera Advisor Networks and Mass Mutual Investors Services, among others. Outside of financial advisory, he owns Bill Howard Photography, which sells travel photography via a website, and serves as treasurer for Sister Cities, a nonprofit promoting cultural exchange in Fort Lauderdale. Virtue Capital Management, LLC is a federally registered investment adviser serving individuals, trusts, estates, charitable organizations, corporations, qualified retirement plans, and other advisers. The firm offers customized portfolio management and financial planning through a multi-team model, utilizing tactical, strategic, and dynamic investment approaches with ongoing monitoring and client education.

Troy Hines is a financial advisor at Virtue Capital Management, LLC with two years of industry experience. He holds a Series 65 designation and has a background that includes roles at Simplicity Wealth and Aon. Outside of advising, he is involved in tax preparation, real estate sales, life and health insurance, and operates a mobile notary business. Virtue Capital Management serves individuals, trusts, estates, and various organizations with customized portfolio management and financial planning. The firm employs a multi-team model and uses tactical, strategic, and dynamic investment approaches, supported by an investment committee that conducts due diligence on third-party managers and model strategies.

Richard Nevins is a ChFC® credentialed advisor at Virtue Capital Management, LLC with two years of industry experience. He previously worked at Brookstone Wealth Advisors, LLC and has owned Raima LLC, an insurance agency, since 2012. Virtue Capital Management, LLC serves individuals, trusts, estates, charities, corporations, retirement plans, and other advisers with customized portfolio management, financial planning, and consulting services. The firm employs a multi-team model and combines tactical, strategic, and dynamic investment approaches while offering ongoing monitoring, reporting, and client education.