Edward Karppi is a CFA® charterholder with 11 years of industry experience. He has worked at Verdence Capital Advisors, LLC since 2022 and previously spent six years at Mangham Associates, Inc. He serves on the investment subcommittee for St. Albans School’s endowment, focusing on asset allocation and investment fund review. Verdence Capital Advisors serves individual and institutional clients, including high-net-worth individuals, pension plans, trusts, and charitable organizations. The firm employs a combination of fundamental, technical, and cyclical analysis to manage portfolios across various asset classes and offers specialized teams for family office services, sports and entertainment clients, and sub-advisory consulting.

Joanne White is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. She has worked at Cetera since 2019 and previously spent 25 years with First Investors Corporation. Outside of her advisory role, she serves as secretary for the Nelson Rotary Club and the Westwood Property Owners Association. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a variety of portfolio management and consulting services, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party solutions with retirement and fiduciary capabilities integrated into its broader institutional platform.

Adam Rorrer is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 2006. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Mark Catron is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 34 years of industry experience. He previously worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. Outside of his advisory role, he owns Southern Sulky Cart and Harness, a business based in Shipman, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.