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.

Ann Marie Cerullo is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. She previously worked at Johnston Willis Hospital for 19 years before entering the financial services sector. Cerullo also provides operational support at Virginia Asset Management. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to various third-party managers through a multi-manager platform.

Heather Snead is a financial professional with 13 years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has held roles at VAM Partners, Virginia Asset Management, Securian Financial Services Inc., and BB&T Securities. Outside of her advisory duties, she serves as Vice President of Compliance and Business Operations at Virginia Asset Management. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser supporting individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with options including discretionary and non-discretionary portfolio management, financial planning, and access to a variety of third-party managers.

Grayson Harris is a financial advisor at Cetera with Series 66 credentials and less than one year of industry experience. He has held roles at Cetera Wealth Services, Virginia Asset Management, and other affiliated entities since 2025. Outside of his advisory work, he serves as an assistant baseball coach for a local travel sports organization. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, and institutional clients with portfolio management, financial planning, and retirement services. The firm offers a multi-manager platform that includes model portfolios, third-party manager selections, and customized strategies across various program structures.

Christopher Kitchen is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. He has held advisory roles at Virginia Asset Management since 2016 and has experience with Minnesota Life Insurance Co and Securian Financial Services Inc. In addition to his advisory work, he is an insurance agent selling life, health, disability, annuities, and long-term care products, and is a partner in a private equity investment LLC. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Michael White Jr. is a financial advisor at Cetera with eight years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Securian Financial Services, and Minnesota Life Insurance Co. Outside of his advisory work, he serves as a volunteer officer at the Virginia Military Institute and works as a consultant for Timmons Group. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm supports a range of program structures with over $256 billion in assets under management and a network of more than 10,000 advisors.

Christopher Parker is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. He has previously worked at Endeavor Capital, LLC and Towe Insurance Service, Inc. Outside of his advisory role, he is involved with Milk & Honey LLC, a luxury goods business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform that offers portfolio management, financial planning, and access to third-party money managers.

Robert Basham Jr. is a financial advisor with Cetera, holding the Series 63 and Series 65 registrations and bringing 38 years of industry experience. He has worked at Cetera since 2023 and concurrently serves as a financial advisor at Virginia Asset Management since 2018. Basham also holds a board member position on the Citizens Transportation Advisory Committee in Richmond, Virginia. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, retirement services, and access to a variety of third-party managers through a multi-manager platform.

James Robertson is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He has worked at firms including Virginia Asset Management and Securian Financial Services Inc. Robertson is also involved in fixed insurance sales through Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management services, financial planning, and access to third-party money managers.

Leo Whitlow Jr. is a financial advisor at Cetera with Series 63 and Series 65 licenses and 44 years of industry experience. He previously worked at Select Brokers, LLC and Securian Financial Services, Inc. He serves as a board member and officer of the Varina Ruritan Club. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that provides access to model portfolios, third-party managers, and bespoke strategies under various program structures and custodial relationships.

William Burford is a financial advisor at Cetera with over 40 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His career includes long-term roles at Securian Financial Services and Minnesota Mutual Life, and he also engages in fixed insurance sales through Select Brokers LLC and Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Christopher Williams is a CFP® professional with 24 years of experience in financial advising. He is currently with Cetera and has prior roles at Virginia Asset Management LLC and Select Brokers, among others. He serves as a member of the alumni receivership committee for the Epsilon chapter of Pi Kappa Alpha, a nonprofit role related to fraternity oversight. Cetera Investment Advisers LLC operates as a multi-manager platform, providing services through a nationwide network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with portfolio management, financial planning, and access to various third-party managers and program structures.

William Atkinson Jr. is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked with firms including Securian Financial Services and Virginia Asset Management. Atkinson has also been involved in fixed insurance sales as an insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and a network of over 10,000 advisors managing more than $256 billion in assets.

Francis Sloan III is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Virginia Asset Management, Securian Financial Services, and MetLife Securities. Sloan serves on several advisory boards and nonprofit organizations in Virginia, including the Chesterfield County Planning Commission and the Virginia Association of Community Services Boards. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base ranging from individual investors to institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supported by a network of over 10,000 advisors and $256 billion in assets under management.

Christopher Andres Jr. is a Series 66 licensed financial advisor with Cetera, where he has worked since 2025. He has no prior industry experience before joining Cetera and has held several positions outside of finance, including roles at Exquisite Pools, Foundry Golf Club, Palermo Restaurant, and James Madison University. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through a large network of independent advisors.

Ryan Jenvey is a financial advisor at Cetera with seven years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Securian Financial Services Inc and Virginia Asset Management. Outside of advisory work, he has served as an agent/broker for fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Brant Lingle is a Series 66-licensed financial advisor with Cetera, based in Midlothian, VA. He has been with Cetera and its affiliated entities since 2026 and has prior experience at SHV Partners and various consulting roles. Outside of his advisory work, he has been involved with nonprofit organizations including the Twilight Wish Foundation and local churches. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base from individuals to institutional accounts. The firm offers a multi-manager platform with diverse investment options and portfolio management strategies across discretionary and non-discretionary programs.

Carmen Taylor is a financial advisor at Cetera with 40 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Her career includes long-term roles at Securian Financial Services and Southwestern Life Insurance, as well as involvement with Virginia Asset Management and Select Brokers. Taylor also works as an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies, financial planning, and consulting services.

Chad Nystrom is a financial advisor with 21 years of experience, currently affiliated with Cetera. He holds a Series 66 credential and has worked with firms including Virginia Asset Management and Select Brokers, LLC. Outside of advisory work, he is also involved in fixed insurance sales and owns family rental properties marketed through VRBO. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party money managers.

Michael Sanson is a CFP® with 37 years of experience in financial services, currently affiliated with Cetera. His career includes roles at Virginia Asset Management and Securian Financial Services, among others. He is a partner in a private equity investment LLC and an officer in a sales company outside of the investment industry. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Zachary Campbell is a financial advisor at Cetera with nine years of industry experience. He holds a Series 66 designation and previously worked with Virginia Asset Management and Securian Financial Services. In addition to his advisory role, he sells life, health, disability, fixed annuities, and long-term care insurance. Cetera is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services across various program structures.

Ashley Foster is a financial advisor with Cetera, holding CFP® and Series 66 credentials and nine years of industry experience. She has worked at Virginia Asset Management since 2016 and currently owns Mindful Divorce Solutions, where she assists clients going through divorce. Foster also sells fixed insurance products including life, health, disability, fixed annuities, and long-term care coverage. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services across discretionary and non-discretionary program options.

Robert Acree is a financial advisor at Cetera holding a Series 66 designation. He has one year of industry experience, with prior work including roles at Virginia Asset Management, Cetera Wealth Services, and Capital Ale House. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers.

Michael White Sr. is a financial advisor with Cetera, holding the ChFC® designation and over 43 years of industry experience. His career includes long tenures at Securian Financial Services and Minnesota Life Insurance Company, as well as ownership roles at Virginia Asset Management LLC and MCWhite Farms LLC, a hunting land business. White’s practice encompasses advisory services and insurance, supplemented by his involvement in fixed insurance sales. Cetera Investment Advisers LLC distributes services through a large network of independent advisors and serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with scalable multi-manager platforms and access to third-party money managers.

Phillip Yesbeck is a CFP® professional with 10 years of industry experience. He is currently with Cetera and has previously worked at Virginia Asset Management and Securian Financial Services. Yesbeck also serves as a financial advisor at Virginia Asset Management, offering securities, insurance, and advisory services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and manager options.

John Duni is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, with 49 years of industry experience. He has worked at several firms including Virginia Asset Management and Securian Financial Services. He serves as an officer and board member of the NAIFA Virginia and the Richmond Estate Planning Council, organizations focused on professional education and networking in the financial and estate planning fields. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to multiple third-party money managers through a multi-manager platform.

Elizabeth Miller is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Her career includes roles at Cambridge Investment Research Advisors, Rossby Financial, and Bulls Financial Group. She is president of Visionary Financial, a business valuation firm, and is involved with the Two Twelve Referral Network, which supports local small businesses. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Wendy Miller is a financial advisor at Cetera with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked with firms including Virginia Asset Management and Minnesota Life Insurance Co. Miller is also involved in fixed insurance sales as an agent. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment strategies.

Traci Anne Dracoulis is a CFP® professional with 13 years of experience in the financial services industry. She is affiliated with Cetera and has previously worked at Truist, BB&T Securities, and MassMutual. Outside of her advisory role, she is a partner in a custom woodworking business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Timothy Johnson Jr. is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Cetera. He has worked at Virginia Asset Management since 2013 and has held roles at Minnesota Life and Securian Financial Services Inc. He is also licensed as an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Homi Modi is a financial advisor with Cetera, holding Series 63 and Series 65 designations and offering 40 years of industry experience. His career includes long tenures at Virginia Asset Management and Select Brokers, LLC, where he also works as an insurance agent selling life, health, disability, and long-term care products. He is based in Midlothian, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Matthew Hale is a financial advisor at Cetera with 18 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2023, he worked at Virginia Asset Management, Securian Financial Services, Minnesota Life, and Mass Mutual. He is also an agent/broker involved in fixed insurance sales and serves as a financial advisor at Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Coley Eckenrode is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at Virginia Asset Management and Select Brokers LLC. He is also involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to third-party managers through various program structures and custodial relationships.

Alexander Larou is a financial advisor at Cetera with a Series 66 credential and one year of industry experience. He has previously been affiliated with Virginia Asset Management and has a background that includes time at the Virginia Military Institute. Outside of his advisory role, he also works as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a national firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and supports multiple program structures and investment approaches.

Anju Dhaliwal is a financial advisor at Cetera with six years of industry experience. She holds the ChFC® designation and Series 66 license. Prior to her current role, she worked with Virginia Asset Management and Securian Financial Services. Dhaliwal is also involved in fixed insurance sales through Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and advisory services through a nationwide network of independent advisors and operates a multi-manager platform with a range of program options and custodial relationships.

Gaurav Shrestha is a CFP® with 22 years of industry experience, currently serving at Cetera since 2023. He has a long tenure at Select Brokers, LLC and Virginia Asset Management, where he is an owner offering securities, advisory, and insurance services. Outside of his advisory roles, Shrestha serves as a board member of the Salisbury Country Club. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services, utilizing both affiliated and third-party managers across discretionary and non-discretionary program structures.

Joseph Taylor is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Minnesota Life, and Securian Financial Services. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Diana Briegel is a financial advisor with Cetera, holding a Series 66 designation and 20 years of industry experience. She has worked at Virginia Asset Management since 2010, providing operational support, and has been with Cetera and Cetera Wealth Services, LLC since 2023. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with various portfolio management options ranging from automated allocations to bespoke strategies.

Stephen Fisher is a CFP® and ChFC® with 37 years of industry experience. He is currently affiliated with Cetera and has held roles at firms including Securian Financial Services and Virginia Asset Management. Fisher serves on the boards of Hitting Cancer Below the Belt and Hermitage Country Club, where he contributes to budget review and club oversight, respectively. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management along with various advisory services.

David Whiteside is a CFP® with 13 years of industry experience, currently affiliated with Cetera. He has previously worked at Minnesota Life and Virginia Asset Management. Outside of advisory work, he serves as a football and basketball official for both high school and NCAA games. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diversified portfolio management, financial planning, and access to multiple program platforms and third-party managers.

Robert Leonard III is a CFP®-certified financial advisor with over 31 years of industry experience. He is currently with Cetera and has held positions at Select Brokers LLC and Securian Financial Services, Inc. Leonard is also the owner of Irongate Capital Advisors, LLC, which provides securities, advisory, and insurance services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Harley Moore is a financial advisor with Cetera who holds a Series 66 credential and has 10 years of industry experience. He has worked at Cetera since 2023 and has been a financial advisor at Virginia Asset Management since 2015. Additionally, he sells life, health, disability, fixed annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.

Kyle Lowe is a Series 66-licensed advisor at Cetera with one year of industry experience. Prior to his current role, he worked at Triumph NIL and Virginia Tech. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and investment strategies.

Jesse Wolfe is a financial advisor at Cetera with seven years of industry experience. He holds the Series 66 designation and has previously worked with Securian Financial Services Inc. and Virginia Asset Management, where he is also involved in operational support. Outside of advising, Wolfe participates in a real estate business venture in Richmond, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and planning services, with a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and investment strategies.

Ryan Modi is a financial advisor with Cetera, holding the CFP® designation and Series 66 license, and has 12 years of industry experience. He has worked at Virginia Asset Management since 2014 and joined Cetera in 2023. Modi is also an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.