Lars Lassen is a CFP® with 15 years of experience and is the sole advisor at Magnolia Lane Capital, LLC, an independent firm he has led since 2015. He serves as a trustee of the Lassen Irrevocable Family Trust and is involved in community activities as a board member of the Hampton Roads Academy Alumni Council and a volunteer mentor with the Oyster Point Rotary Club. Magnolia Lane Capital provides discretionary investment advisory and portfolio management services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a value-oriented, fundamental stock-picking approach focused on selecting securities trading below intrinsic value, with portfolios tailored to clients’ risk tolerance and income needs.

Jonathan West is a financial advisor at Montgomery Capital Management, LLC with 23 years of industry experience. He holds the Series 66 designation and has worked at Montgomery Capital Management since 2003. West is also the director of College Funding Group, LLC, where he provides advice on college funding, financial aid opportunities, and scholarship sources. Montgomery Capital Management serves individual and high-net-worth clients, as well as pension plans, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management combined with college-funding consulting, employing an actively managed, top-down investment approach that adjusts portfolios based on a range of economic and market factors.

Zachary Bond is the principal of Bond Financial Planning, LLC, holding a Series 65 designation and over a decade of professional experience, including 13 years at Newport News Shipbuilding. He founded Bond Financial Planning in 2025 after a brief tenure at The McHenry Management Group. Bond Financial Planning, LLC provides discretionary wealth management and financial planning services primarily to individuals and high-net-worth clients. The firm focuses on direct client relationships, employing fundamental analysis with a long-term investment approach and constructing diversified portfolios using ETFs, mutual funds, and select individual securities.

Cheryl Nester is the principal advisor at Histor Investing, LLC in Williamsburg, VA, with 13 years of industry experience. She holds a Series 65 designation and has been with Histor Companies since 2008. In addition to her advisory role, she is president and principal consultant of HistorConsulting, a firm providing financial and management consulting services to nonprofit organizations. HistorInvesting is a fee-only, fiduciary advisory firm serving individuals, small businesses, nonprofits, and institutional clients. The firm offers comprehensive financial planning and non-discretionary portfolio management alongside educational services such as workshops, seminars, a video series, and a monthly newsletter. Its investment approach emphasizes macroeconomic analysis, life-cycle planning, and a buy-and-hold strategy with limited trading.

William Carbonell is a financial advisor at Arion Wealth Management LLC with a Series 65 designation and one year of experience at the firm. He has worked at Huntington Ingalls Industries since 2018 and previously at the City of Monrovia from 2008 to 2017. In addition to his advisory role, he maintains substantial outside employment as an engineer. Arion Wealth Management provides discretionary asset management primarily to individuals and high-net-worth clients, focusing on investment selection, asset allocation, and ongoing portfolio monitoring aligned with client goals and risk tolerances. The firm allows clients to impose investment restrictions, does not require a minimum account size, and employs both fundamental and technical analysis with regular portfolio reviews.

Oscar Alvarez is a CFP® professional with 23 years of industry experience, currently serving as the sole advisor at Pathway Financial Planning, Inc. in Newport News, VA. He has led his independent firm since 2014 and has operated a related financial services business since 2011. In addition to advisory work, Mr. Alvarez spends a significant portion of his time offering insurance products through a separate affiliated business. Pathway Financial Planning, Inc. provides fee-based investment management and financial planning services to individuals and small businesses, primarily through non-discretionary mandates. The firm offers tailored investment strategies, combines direct management with third-party managers, and conducts educational seminars and workshops for clients.

Paige Fraasch is a financial advisor at Norseman Advisory Group, Inc. with eight years of industry experience. She holds a Series 65 designation and has been associated with Norseman-related entities since 2014. Fraasch also maintains an insurance practice through Norseman Financial, Inc., dedicating a significant portion of her time to insurance services and product sales. Norseman Advisory Group, Inc. provides fee-based financial planning and portfolio management primarily to individual clients, as well as trusts, estates, and charitable organizations. The firm operates mainly on a non-discretionary basis, utilizing third-party money managers and custodians while applying fundamental, technical, and cyclical analysis in its investment approach.

Mark Castonguay is a financial advisor with American Financial Planning, Inc. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Infinex Investments, Inc. and Virginia Asset Group. Outside of advising, he manages a bookkeeping and accounting services business and serves as an administrative assistant for Congregation Zion's Sake. American Financial Planning, Inc. provides financial planning and discretionary investment management primarily to individual and high-net-worth clients, as well as corporate pension and charitable accounts. The firm emphasizes diversified index investments combined with occasional active funds and offers customized investment restrictions based on client preferences.

Dan Joss is a seasoned Financial Life Planning professional. Dan Joss is among a small force of Life Planners, less than 200 in the U.S. and only a few dozen in the mid-Atlantic area. Dan founded Joss Financial in 2015, and now, in 2020, has joined with Katherine Brown to create Joss Brown Wealth Advisors. Their shared vision and faith along with combined talents and experiences will further enhance their clients' Life Plans. Dan excels at asking poignant questions to determine what inspires and motivates his clients. These initial planning sessions will be introspective and challenging. Long-time clients give testimony that one must think deeply in terms of their own personal values and ask questions like: “If you had more time or money, what would you do?” “What do you want to accomplish or attain so you will feel that you’ve had a life well-lived?” “What moves, touches, or inspires you?” Dan’s approach to financial planning: "living what matters" was born of his own life experiences. Originally from S

Kenneth Mason is a financial advisor with Mason & Associates, LLC in Newport News, VA, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has worked at Mason & Associates since 2010 and previously spent 17 years at Centaurus Financial, Inc. Mason & Associates serves individuals, high-net-worth individuals, and trusts with discretionary and non-discretionary investment management and financial planning, including divorce planning and educational seminars on federal employee retirement benefits. The firm uses diversified model portfolios and independent sub-advisers for portfolio construction and administrative services while maintaining oversight and discretionary authority where agreed.

Phillip Saunders is a Series 65 credentialed advisor at Joss Brown Wealth Advisors with four years of industry experience. He has worked with Joss Brown Wealth Advisors and its affiliated group since 2021. His prior roles include positions at Virginia Tech and Partners in Financial Planning, as well as involvement with the Virginia Future Farmers of America Association and Crossroads Camp. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers a combination of digital platforms, third-party managers, and personalized planning services.

Arcelia Wicker is a financial advisor at Bay Capital Advisors, LLC with three years of industry experience. She holds the ChFC® designation and the Series 65 license. Prior to joining Bay Capital Advisors, she served in the United States Navy for seven years. Bay Capital Advisors is a fee-only advisory firm serving individual and high-net-worth clients, as well as business and charitable entities. The firm employs a top-down macroeconomic and fundamental analysis approach combined with a core-satellite implementation, managing approximately $196 million across about 175 client relationships.

Simcha Terwilliger is a CFP® with eight years of industry experience, currently serving as a financial advisor at SLP Wealth. His prior experience includes roles at Fox & Company Wealth Management and The Advisory Firm of Katherine L. Brown, LLC. In addition to his advisory work, he provides student loan consulting through Student Loan Planner. SLP Wealth serves individuals and business entities, including small businesses sponsoring 401(k) plans, offering discretionary investment management, financial planning, and 401(k) advisory services. The firm employs a passive, buy-and-hold investment approach, supplemented by tax preparation and bookkeeping services under separate agreements.

Deven Joss is a CFP® professional at Joss Brown Wealth Advisors with one year of industry experience. He has held roles in various organizations including Belvac Production Machinery and Colonial Hills Golf Club. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities with financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers both discretionary and non-discretionary services, combining digital platform offerings with third-party managers and customized planning.

Michelle Robinson is a financial advisor at Joss Brown Wealth Advisors with six years of industry experience. She holds the CFP® designation and Series 65 license. Prior to her current role, she served six years as a Hampton Commonwealth Attorney. Outside of financial advising, she owns and manages Xcelling Champion, LLC, an online tutoring and coaching business focused on preparing students for the CFP® exam. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers both discretionary and non-discretionary services through a combination of digital platforms and independent managers.

Mason & Associates is an independent, fee-only financial planning firm located in Newport News, Virginia. We provide ongoing comprehensive financial planning and tax planning advice to clients locally and throughout the United States. Our financial advisors specialize in providing financial planning advice to federal employees who are covered by the Federal Employee Retirement System (FERS) and Civil Service Retirement System (CSRS). The financial planning team helps federal employees maximize federal benefits and provides guidance in all areas of financial planning such as retirement planning, tax planning, and estate planning. Not a federal employee? No problem! We serve a variety of clients who have no ties to the federal government other than the taxes they pay. Our financial planning process and client experience allows us to serve families who are already retired or actively working. John leads Mason & Associates as President and Senior Financial Planner, bringing over 15 years of specialized expertise in federal employee financial planning. A CERTIFIED FINANCIAL PLANNER™ since 2012, John has built a reputation for delivering comprehensive, client-centered guidance across tax, retirement, and estate planning. John earned his Bachelor of Science in Business from Virginia Tech’s Pamplin School of Business, where he also completed his CFP® education requirement. He is an Investment Advisor Representative and maintains a Virginia Life and Health Consultant License. John is a member of the following professional organizations: •National Association of Personal Financial Advisors •XY Planning Network •Financial Planning Association As co-host of the Federal Employee Financial Planning Podcast, John has become a recognized voice in the federal benefits space. He is a sought-after speaker at industry conferences and educational events for federal employees, and his insights have been featured in leading publications. Outside the office, John and his wife, Sara, both Virginia Tech graduates, enjoy skiing, snowboarding, and exploring the outdoors in their camper. They’re proud parents to a young son who’s best friends with their golden retriever, Penny.

Michael Mason is a CFP® and ChFC® with 38 years of industry experience. He has been with Mason & Associates, LLC since 2010 and previously worked at Centaurus Financial, Inc. for 17 years. Mason & Associates serves individuals, high-net-worth clients, and trusts with discretionary and non-discretionary investment management and financial planning, offering services including divorce planning and educational seminars on federal employee retirement benefits. The firm uses diversified model portfolios and partners with an independent sub-adviser for portfolio construction and administrative services while maintaining oversight.

Katherine Brown is a CFP® with 21 years of experience in financial advising. She currently works at Joss Brown Wealth Advisors, where she has been with the firm since 2020, following 15 years operating her own advisory firm. Outside of her advisory role, she is a 50% owner of Maison Brune Investments, LLC, a real estate investment business she manages with her spouse. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, and charitable organizations, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in regulatory assets and offers a combination of discretionary and non-discretionary services through multiple platforms and third-party managers.

Tommy is a graduate of Virginia Tech’s Pamplin School of Business, where he graduated magna cum laude with a Bachelor of Science in Business as a Finance major and completed the CERTIFIED FINANCIAL PLANNER™ (CFP®) education requirement. While pursuing his Bachelor’s degree, Tommy observed that taxation was integral in financial planning and decided to pursue a Master’s Degree in Accounting at Virginia Tech with a focus in taxation. Tommy is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Public Accountant (CPA). He also holds the Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA), as well as the Series 65 and the Virginia Life and Health Consultant Licenses. Tommy joined Mason & Associates in 2019 as a Senior Financial Planner, and earned a partnership position in 2020. Prior to joining Mason & Associates, Tommy was a Senior Financial Planner at a respected financial planning firm in Richmond, VA, and also has experience with a “Big 4” public accounting firm. Tommy’s primary responsibilities consist of working directly with Mason & Associates clients in all aspects of their financial plan, with a particular emphasis on the subjects of tax, retirement, and estate planning. Tommy a co-host of the Federal Employee Financial Planning Podcast. Tommy’s memberships and designations include: CERTIFIED FINANCIAL PLANNER™ (CFP®) Certified Public Accountant (CPA) Personal Financial Specialist (PFS) designation with the American Institute of Certified Public Accountants (AICPA) Life and Health Insurance Consultant License in Virginia Chairman and Past President of the Central Virginia Financial Planning Association (FPA) chapter Recognized by the Virginia Society of CPA’s as a Top 5 under 35 in 2018 Recognized by Investment News as 40 under 40 in 2018 Received 2017 Standing Ovation Award in Personal Financial Planning from the American Institute of Certified Public Accountants

Benjamin Raikes is a CFP® with 11 years of industry experience, currently serving as an advisor at Mason & Associates, LLC since 2022. Prior to this, he worked at Verus Financial Partners, Inc. for six years. Outside of his advisory role, he is a sole proprietor managing a private residence. Mason & Associates serves individuals, high-net-worth clients, and trusts with discretionary and non-discretionary investment management and financial planning. The firm provides tailored recommendations and implements strategic asset allocation primarily through diversified mutual fund and ETF portfolios, often utilizing an independent sub-adviser for portfolio construction and administrative services.