Steven Schetrom II is the sole advisor at Legacy Financial in Front Royal, VA, holding a Series 66 designation with 18 years of industry experience. He has been with Legacy Financial since 2010. Outside of his advisory role, he co-owns a recreational campground in Middletown, VA, which is operated full-time by his spouse. Legacy Financial offers customized financial planning and discretionary portfolio management for individuals, trusts, charitable organizations, and small businesses. The firm emphasizes a structured planning process and an investment approach focused on long-term asset allocation, diversification, quality, and value.

Michael Poole is a financial advisor with CSP Financial Group LLC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at LifeTyme Financial Advisors, Prosperity Capital Advisors, and operating Poole Financial Group, Inc. dba Synergy Financial Group, where he has provided financial advisory and insurance services. CSP Financial Group offers discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm’s investment process incorporates Modern Portfolio Theory principles, asset allocation, and ongoing rebalancing, often utilizing third-party managers such as Matson Money to implement model portfolios.

Andrew Gauldin is a financial advisor at Wealthcare Advisory Partners LLC in Winchester, VA, holding a Series 66 designation with nine years of industry experience. His prior firms include Morgan Stanley, Kalos Capital, Inc., and Clark & Associates Incorporated. He is also active as an insurance agent with Creekside Insurance Advisors. Wealthcare Advisory Partners LLC offers investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising discipline that integrates proprietary software and behavioral economics, utilizing both passive and active investment strategies alongside dynamic portfolio management.

Evan Stambaugh is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Navy Federal Credit Union and involvement with Martinsburg-Berkeley County Parks & Recreation. Navy Federal Investment Services serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing portfolio management, financial planning, and retirement-plan fiduciary services. The firm emphasizes managed advisory programs using third-party portfolio managers and offers both customized and automated investment solutions.

Robert Witherall II is a Series 66 credentialed financial advisor with experience at Navy Federal Investment Services, LLC since 2024. He previously worked at Edward Jones from 2021 to 2024 and has held positions in various other industries including marketing and water services. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options primarily through managed advisory programs with third-party portfolio managers.

Allen Fredericks is a financial advisor with First Advisors National, LLC, holding a Series 65 credential and eight years of industry experience. He has been a partner at Fredericks & Associates, an insurance services firm in Stephens City, VA, since 2012. First Advisors National manages discretionary assets for individual clients, including high-net-worth households, offering investment management, third-party portfolio recommendations, and retirement plan consulting. The firm emphasizes selecting and monitoring third-party money managers and combines tactical and strategic approaches with fundamental analysis for supplemental security recommendations.

James Du Brueler Jr. is a financial advisor with Wealthcare Advisory Partners LLC and holds a Series 65 designation. He has eight years of industry experience, including seven years at AlphaStar Capital Management and ongoing involvement with Creekside Insurance Advisors Inc., where he is a licensed insurance agent. Wealthcare Advisory Partners LLC manages approximately $6.0 billion in client assets with a team of over 150 advisors, serving individuals, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based planning approach supported by proprietary software and an evidence-based investment framework that integrates behavioral economics and quantitative measures.

Stephen Locke is a CFP® and ChFC® with 18 years of industry experience. He is affiliated with First Advisors National, LLC and has held roles at AlphaStar Capital Management, Amerus, Life/Annuity Insurance Partners Agency, Inc., United Producers Group, and Woodbury Financial Services, Inc. Locke is also a licensed insurance agent and a LegalShield consultant. First Advisors National (FAN Advisors) provides investment management, asset allocation advice, and retirement plan consulting primarily to individual clients, including ERISA plan participants. The firm employs tactical and strategic asset allocation methodologies and typically manages accounts on a discretionary basis through third-party money managers.

Dino Lopresti is a Series 65-registered financial advisor with 16 years of industry experience. He has been with Trek Financial since 2018 and previously worked at Horter Investment Management, LLC. Lopresti is also president of LoPresti Financial Group, where he offers fixed index annuities as part of client investment plans. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, providing asset management, financial planning, and retirement-plan services. The firm employs a mix of strategic and tactical portfolio construction methods, including evidence-based models, technical and fundamental analysis, and uses artificial-intelligence tools under human oversight.

Eric Burstock is a financial advisor at Trek Financial with over 20 years of industry experience. He holds the PFS™ credential and securities licenses Series 63 and Series 65. Prior to joining Trek Financial in 2018, he worked at Horter Investment Management and has run his own CPA practice since 1997. Outside of advisory work, Burstock is involved in insurance and annuity sales, operates a tax preparation business, and owns an invention company. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, providing asset management, financial planning, and fiduciary services. The firm uses a blend of strategic and tactical portfolio approaches, including AI tools, direct indexing, and a broad range of systematic and alternative strategies.

James Kelly is a financial advisor with LaSalle St. Investment Advisors, L.L.C., holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked at LaSalle St. Investment Advisors since 2006 and LaSalle St. Securities since 2001. Outside of his advisory role, Kelly serves as secretary of the Donald J. Kelly Foundation, coaches high school basketball at Chelsea Academy, and is involved with St. John the Baptist Parish Council, the National Coalition for Clergy and Laity, and the Chelsea Academy School Board. LaSalle St. Investment Advisors provides personalized, fee-based financial planning and investment supervisory services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary management programs and oversees a distinctive asset mix with a predominance of non-discretionary assets.

Benjamin Cauthorn is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. He has 22 years of industry experience, including 14 years at Edward Jones and nine years at Cornerstone Wealth Management, an independent investment advisory firm he operates alongside his role at LPL. Outside of finance, he is involved in a small engine repair and welding business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Calan Jansen is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has served as Vice President at Farmers and Merchants Bank since 2016, where he performs lending and opens retail accounts. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating under a hybrid adviser and broker-dealer model with both discretionary and non-discretionary account management.

Judy Baker is a financial advisor at Empower Advisory Group with one year of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for two years. Prior to her financial services career, she spent over 30 years at Shentel. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Bret Hrbek is a CFP® and ChFC® with 25 years of industry experience, currently with Edward Jones since 2000. He serves as chairman of the Finance Committee at Front Royal United Methodist Church and holds board positions with the Front Royal Rotary Club and the Zeta Beta Tau Foundation, where he chairs the Investment Advisory Committee. Additionally, he is a partner in OnionHill, LLC, a retail business producing Christmas ornaments representing Front Royal. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors.

Roy Ruble is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Integrated Wealth Management, Mutual Service Corporation, FSC Securities Corporation, and Capitol Wealth Management. In addition to his advisory work, he provides tax return preparation and bookkeeping services to individuals and self-employed professionals. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers comprehensive financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of strategic and tactical investment options.

Elaine Miller is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. Her previous roles include positions at Momentum Independent Network Inc., Capitol Securities Management, Inc., Anderson & Strudwick, Incorporated, A&S Capital Advisors, Inc., and Morgan Stanley DW Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Lora Loving is a Series 66-credentialed financial advisor at Edward Jones in Woodstock, VA, with 18 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and specialized services.

Jason Williams is a financial advisor at Ameriprise Financial Services LLC with 18 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Truist Advisory Services and BB&T Investment Services. Williams serves on the boards of Victory Church and NW Works and participates in finance and community committees in Winchester, VA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on reliable income sources and tax-aware withdrawal strategies through a collaborative, non-discretionary process.

Emma Stone is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and previously worked in education and hospitality sectors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies through a large nationwide network of advisors and branch offices.