Dean Phass is a financial advisor with Jade Financial LLC, holding a Series 66 designation and eight years of industry experience. He previously worked at Truist Advisory Services and Truist Investment Services from 2016 to 2024 before joining Jade Financial in 2024. Phass is also a licensed insurance agent, although he does not currently engage in insurance activities. Jade Financial LLC is an independent, single-advisor registered investment adviser that provides ongoing portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a variety of analytic approaches across multiple investment instruments, managing most client assets on a non-discretionary basis and offers both advisory and fixed-fee financial planning services.

Richard Gardner is a CFP® and Series 65-licensed financial advisor with 20 years of industry experience. He has been the sole advisor at Lionheart Financial Planning, Inc. since 2004. Lionheart Financial Planning, Inc. is an independent, fee-only firm serving individuals, charitable organizations, and small businesses. The firm provides comprehensive financial planning and investment management, emphasizing written plans, investment policy statements, and quarterly reporting, with a core-and-satellite investment approach that primarily uses passive index and ETF holdings.

David Martin is a financial advisor at Splizer Invest with one year of industry experience. He holds a Series 65 designation and previously worked for the U.S. Department of State for ten years. Outside of his advisory role, he serves as a financial consultant at Federal Solutions Support, LLC. Splizer Invest is an independent, single-advisor registered investment adviser serving individual clients, including high-net-worth individuals, as well as retirement-plan sponsors and participants. The firm offers portfolio management, comprehensive financial planning, and pension consulting, employing a primarily passive investment approach supplemented by technical, quantitative, and fundamental analysis.

John Morlu II is a CFP® with five years of experience as a financial advisor at Pithom Advisors, Inc. He is also the owner and managing partner of JS Morlu, LLC, a CPA firm in Woodbridge, VA. Pithom Advisors serves individuals, families, and business owners, offering investment management and comprehensive financial planning, including retirement, estate, tax, insurance, education, and business-owner planning. The firm emphasizes a passive, risk-aware investment approach using tools like efficient-frontier analysis and Monte Carlo simulations, and it integrates tax-focused financial planning with customized Investment Policy Statements.

I’m Dedrick Curtis, founder and lead planner at Penny Earned Financial. After dedicating 20 years to helping others improve their lives, I founded Penny Earned to provide honest, transparent financial guidance that truly puts people first. Too often, I saw traditional financial advising prioritize sales over solutions, and I knew there had to be a better way. As a Veteran and Military Spouse, I have a deep understanding of the unique financial challenges faced by those who serve. That’s why I specialize in working with service members, veterans, and anyone striving for a brighter financial future. As a CERTIFIED FINANCIAL PLANNER® professional, I’m committed to upholding the fiduciary standard, always acting in your best interests. My mission is to help you confidently navigate life’s financial decisions with clarity and purpose.

Brian Hoyle is a financial advisor at The Fintel Group LLC with nine years of industry experience. He holds a Series 65 designation and has worked in various roles including Senior Instructional Designer at General Dynamics Information Technology since 2018. His prior experience includes positions at ManTech International, Cummings & Carroll, P.C., and Prince William County Schools. The Fintel Group LLC provides comprehensive and modular financial planning services to individuals, couples, and small businesses. The firm focuses on fee-only planning projects with long-term, buy-and-hold investment strategies emphasizing diversified asset allocation and low-cost mutual funds, without offering ongoing asset management or custody of client assets.

Quiltina Smith is a financial advisor with The Financial T, LLC, holding Series 63 and Series 65 registrations and bringing 11 years of industry experience. She previously worked at First Command Advisory Services, First Command Insurance Services, and First Command Financial Planning. The Financial T serves individual clients and employer plan sponsors, focusing on non-discretionary portfolio management and comprehensive financial consulting. The firm employs a passive investment approach based on Modern Portfolio Theory, using index mutual funds and ETFs, and provides employee benefit plan consulting alongside regular account reviews.

Christopher Park is the sole advisor at Park Financial Planning Solutions, LLC in Stafford, VA, holding a Series 65 credential with one year of industry experience. He has concurrently worked at the Department of Justice since 2008. Park Financial Planning Solutions, LLC provides financial planning, portfolio management, consulting, and educational seminars to individuals, high-net-worth individuals, and families. The firm emphasizes client-specific investment plans using asset allocation, diversification, and strategic portfolio management, with a notable focus on non-discretionary asset management and public seminars, including sessions on the FERS retirement system for federal employees.

Michael Casey is a CFP® with 10 years of industry experience and is the principal advisor at American Executive Advisors, LLC. He previously worked at Retirement Wealth Advisors and currently owns MC MGMT, LLC, where he is involved in life and health insurance sales. He is also a co-founder of Bitlyf, LLC, a company developing a patent-pending system for digital assets. American Executive Advisors serves individuals, corporations, and pension or profit-sharing plans, offering comprehensive financial planning, consulting, discretionary portfolio management, and retirement plan consulting. The firm uses a tactical asset allocation approach with customized portfolios and occasionally incorporates digital assets on a non-discretionary basis.

Joseph Turkal is a financial advisor at Sierra Hotel Financial LLC with three years of industry experience. He holds the Series 63 and Series 65 licenses and served in the Armed Forces for 30 years prior to his financial career. His prior firms include Northwestern Mutual and Lakrut Insurance Services. Sierra Hotel Financial LLC provides discretionary asset management, financial planning, and retirement plan advisory services to individuals, high-net-worth clients, and plan sponsors. The firm uses a goal-based investment approach tailored to clients’ time horizons and risk tolerances, offering both model-based and customized portfolio management.

Nora Hartquist is a financial advisor with GuidedQuest, LLC, holding Series 63 and Series 65 designations and possessing 15 years of industry experience. She has been with GuidedQuest since 2016 and is also the owner and managing member of 50 Plus Digital, LLC. Additionally, she manages Hartquist & Noblet, LLC, an insurance agency involved in estate planning. GuidedQuest serves individuals, trusts, and estates by providing comprehensive financial planning, hourly consultations, and investment monitoring, referring clients to third-party portfolio managers for discretionary asset management rather than managing portfolios directly. The firm operates on a fixed and hourly fee model and does not take custody of client assets, conducting periodic reviews while sharing compensation with recommended third-party advisors.

Patti Lerch is a financial advisor with GuidedQuest, LLC, holding a Series 65 designation and bringing 13 years of industry experience. She has worked with GuidedQuest since 2016 and with Harquist & Noblet since 2013. Outside of financial advising, she works as a paraprofessional supporting children with special needs in the Stafford County Public Schools system. GuidedQuest serves individuals, trusts, and estates by providing comprehensive financial planning, hourly consultations, and investment monitoring and referral services. The firm focuses on detailed client information gathering, coordinating with third-party advisors for portfolio management, and operates on a fixed and hourly fee basis rather than a percentage-of-assets model.

Patrick Kimmel is a financial advisor with WealthCrest Financial Services, LLC, holding a Series 66 designation and six years of industry experience. He has been associated with Cambridge Investment Research and WealthCrest Financial Services since 2019. WealthCrest Financial Services provides financial planning, consulting, and investment supervisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm employs a fee-based portfolio management approach using custodial and platform relationships with Pershing and Cambridge, combining fundamental and technical analysis with various trading strategies.

Patrick Beagle is a CFP® and ChFC® with 33 years of industry experience. He has worked at Cambridge Investment Research Advisors Inc. and Cambridge Investment Research, Inc. since 2007 and has been with Wealthcrest Financial Services, LLC since 2004. He is the owner of WealthCrest Educational Services, which provides financial literacy and pre-retirement benefits training to federal employees. He also serves as treasurer for the Springfield South Condo Association. WealthCrest Financial Services offers financial planning, consulting, and investment supervisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm provides fee-based portfolio management utilizing custodial relationships with Pershing and Cambridge, employing a mix of fundamental and technical analysis alongside various trading strategies and regular account reviews.

Gregory Grimsley is a financial advisor at Wealthcrest Financial Services, LLC with 16 years of industry experience. He holds the Series 66 designation and has worked at Cambridge Investment Research since 2015 and Wealthcrest Financial since 2014. In addition to his advisory role, he is co-owner of the Grimsley Agency, a real estate partnership. Wealthcrest Financial Services provides financial planning, consulting, and investment supervisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm offers fee-based portfolio management using custodial relationships primarily with Cambridge and combines fundamental and technical analysis with both long- and short-term trading strategies.

Russell Robertson is a CFP® and ChFC® with 18 years of industry experience. He has been with Wealthcrest Financial Services, LLC since 2008 and has also been affiliated with Cambridge Investment Research, Inc since 2007. He serves on the USMA Class of 1958 Endowment Board and is involved in educational services as a course director and instructor. Wealthcrest Financial Services provides financial planning, consulting, and investment supervisory services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm offers comprehensive financial plans, ongoing portfolio management, and employer/employee benefit consulting, combining fundamental and technical analysis with both long- and short-term trading strategies.

Cherisse Ferrier Yarde is a financial advisor with Gibbs Wealth Management, LLC, holding Series 63 and Series 65 licenses and with seven years of industry experience. Her prior roles include positions at New York Life Insurance Company and NYLIFE Securities LLC. She is also engaged in insurance brokering through outside carriers for non-registered insurance products. Gibbs Wealth Management provides discretionary investment advisory services to individual and high-net-worth clients using third-party model portfolios and platforms. The firm focuses on aligning investment strategies with clients’ financial situations and risk tolerance rather than constructing proprietary portfolios.

Xiomara Diaz is a financial advisor with Navy Federal Investment Services, LLC, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. She has previously worked with Wells Fargo Clearing and Wells Fargo Bank and is the owner of B&E Mechanical LLC, a company specializing in HVAC and duct system services. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, offering financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and provides a range of sub-advisers and overlay services, maintaining responsibility for client suitability and manager oversight.

Luis Lopez is a CFP® with five years of industry experience, currently serving as a financial advisor at AlphaStar Capital Management. He has previously worked at ILG Financial LLC, Enterprise Rent-a-Car, and Nike. Outside of AlphaStar, he is involved with ILG Financial as a paraplanner providing retirement solutions. AlphaStar Capital Management serves individual, corporate, and retirement plan clients through discretionary investment management, financial planning, participant account management, and subadvisory services. The firm uses a combination of strategic and tactical investment approaches and offers ERISA-related plan services with a focus on diverse investment vehicles and third-party portfolio technology.

David Lopez is a financial advisor at AlphaStar Capital Management with 15 years of industry experience. He holds a Series 65 designation and has been with AlphaStar since 2011. Outside of his advisory role, he is the owner and agent of ILG LLC, which sells fixed annuities and life and health insurance products, and serves as president of the North Stafford Church of Christ, assisting with its administration. AlphaStar Capital Management manages approximately $1.84 billion for individuals, trusts, small businesses, and other clients, offering both discretionary and non-discretionary portfolio management alongside financial planning and retirement consulting. The firm employs strategic asset allocation and quantitative analysis in its investment approach and provides subadvisory and platform services to unaffiliated registered investment advisers.