James Winters is a financial advisor with IP Financial Advisory Services LLC in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at H. Beck, Inc. for 16 years and has been involved with Commonwealth Pension Management for over 28 years, where he also operates as an insurance broker specializing in the sales and service of fixed insurance products. Winters has held roles at several firms since 2021, including Innovation Partners LLC and Grove Point Investments, LLC. IP Financial Advisory Services primarily serves individual retail clients, focusing on customized portfolio management, financial planning, and retirement-plan consulting. The firm offers a range of services including managed account programs and access to third-party investment advisors, with an emphasis on non–high-net-worth individuals and a combination of investment advisory and insurance consulting capabilities.