James Riley is a financial advisor with Primerica Advisors in Newport News, VA, holding Series 63 and Series 65 licenses and over 33 years of industry experience. He has been with Primerica since 1992 and previously worked with Newport News Public Schools for 22 years. Outside of advisory work, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered, percentage-based wrap fee structure.

Joseph Fernandes is a CFP® professional with 22 years of experience in the financial services industry. He is currently with Cetera and has held prior roles at VOYA Financial Advisors, Securian Financial Services, and Equitable Advisors. He is also the owner of Fernandes Wealth Management LLC and Joe Fernandes Wealth Management LLC, through which he provides financial services and accounting. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke investment strategies.

Lynne Williams is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market modeling techniques.

Karen Logan is a financial advisor with Wells Fargo Clearing in Williamsburg, VA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lauren Hunter is a financial advisor with LPL Financial in Williamsburg, VA, holding a Series 66 license and six years of industry experience. She has worked at LPL Financial since 2017 and has prior experience with Citizens and Farmers Bank beginning in 2016. Hunter is involved with C&F Wealth Management, a business related to her LPL affiliation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Stephanie Goodrich is a CFP® professional with 23 years of experience in the financial industry. She is currently with OSAIC and previously worked at Lincoln Financial Advisors and Navy Federal Financial Group. Outside of her advisory role, she is an author of a book on treasury management for Greek organizations and an instructor at the College of William & Mary Osher Institute. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of advisers and multiple advisory platforms. The firm offers integrated financial services utilizing firm-provided asset-allocation tools, third-party money managers, and both discretionary and non-discretionary portfolio management.

Kirk Horton is a financial advisor at Merrill with Series 65 and Series 63 credentials and one year of industry experience. Before joining Merrill in 2026, he worked at First Command Advisory Services, Inc. and related First Command entities in 2025 and held positions at Gartner, the Department of the Navy, and the Department of the Air Force. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, institutions, and charitable organizations, utilizing internal and third-party portfolio management teams.

Edward James is a Series 66-licensed financial advisor at Morgan Stanley with 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Frank Richardson Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2016. Outside of advisory services, he is involved in the sale of loan products and home security-related referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services at scale through a large network of advisors and utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Bryan Beers is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Williamsburg, VA office. He joined Merrill Lynch in 2009 and previously worked for American Funds. Bryan holds a bachelor's degree in Mathematics from the University of Mary Washington in Fredericksburg, VA. He is a CERTIFIED FINANCIAL PLANNER® professional, as well as a qualified Portfolio Manager. Bryan manages his own Personalized or Defined Strategies on a discretionary basis, which may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus areas include legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Bryan lives in Williamsburg, VA with his wife Beth and their three children: Skyler, Summer, and Wesley. His professional designations also include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Kimberly Tinsley is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 credentials and has 20 years of industry experience. Her career includes roles at TowneBank and Towne Wealth Management, among others. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutional clients. The firm uses tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Ronald Chance is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 47 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Elizabeth Mclamb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Elizabeth is also a commissioned notary in the state of Virginia. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and various portfolio management options.

Matthew Montgomery is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Kelsey Swigart is a financial advisor with LPL Financial in Williamsburg, VA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, Swigart worked at Truist Bank for six years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and proprietary research.

Claire Love is a financial advisor at Osaic with seven years of industry experience. She holds the Series 66 designation and has previously worked at Rockefeller Financial LLC and Fidelity Brokerage Services LLC. Outside of finance, she has been involved with the Boston Beer Company for two years. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on asset allocation, risk assessment, and portfolio management using various investment vehicles.

Robert Dudeck III is a financial advisor at Morgan Stanley based in Williamsburg, VA. He holds a Series 66 designation and has been with Morgan Stanley since 2026. His prior experience includes roles at Radford University and Williamsburg National Golf Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Stephen Sigmon is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience and has worked at LPL Financial since 2009. Outside of his advisory role, he is involved in several real estate rental ventures. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Lisa Adamonis Pile is a Senior Financial Advisor at Merrill Lynch Wealth Management. With over a decade of experience, she collaborates with clients to help them define what matters most as they prepare for the next stage of life and the financial implications involved. She works to develop personalized financial strategies tailored to each client's unique goals. Her expertise spans various client focus areas including college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and services for endowments, foundations, and non-profits. Lisa holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She also holds an Accredited Certificate from the CDC School of Professional Nursing. Lisa participates in the community by volunteering with organizations such as Habitat For Humanity and the Virginia Food Bank. She is also associated with the Virginia Symphony Orchestra. In her personal time, she enjoys football, horseback riding, and yoga. She is fluent in both English and French.

Deann Rinehart is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. Her prior experience includes roles at Morgan Stanley Smith Barney, Citigroup Global Markets Inc., and Securities America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, supported by model portfolios, research, and various management options.