James Spencer IV is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the ChFC® designation and has 38 years of industry experience. Prior to joining Raymond James, he worked at PJ Robb Variable Corp. and Crump Life Insurance Services. Outside of his advisory role, he manages camps, clinics, and tournaments for girls fastpitch softball through his business, Legendary Softball LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, corporations, and institutional investors. The firm employs a non-discretionary approach tailored to client goals and supports extensive advisory programs and institutional consulting.

William Miller is a Certified Financial Planner (CFP®) with 22 years of experience in the financial services industry. He is currently with Raymond James Financial and has prior experience at Fulton Bank. Miller is also involved with WGM Enterprises, Inc. outside of his advisory roles. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and offers specialized municipal and public-finance advisory services.

Rickey Mayo is a CFP® professional affiliated with Raymond James Financial in Virginia Beach, VA, with 42 years of industry experience. His career includes roles at Fulton Financial Advisors and RPM Advisory Services at the Bay. Outside of finance, he has worked as a wine consultant and sommelier for nine years. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients, using tailored non-discretionary planning supported by analytical modeling and technology tools.