Matthew Martin is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services, Inc. for ten years. In addition to advising, he serves as chairperson of Two Twelve, a business referral network in Newport News, VA. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services using asset-allocation tools and managed accounts across various investment vehicles.

Shari Barker is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 65 credentials and eight years of industry experience. Her prior experience includes roles at Securities America, Inc. and CKS Financial. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning services supported by firm-approved tools and investment modeling techniques.

Michelle Grant is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, and business owners to provide investment guidance and personalized financial planning. Her approach focuses on simplifying complexity, managing risk, and helping clients make informed decisions aligned with their long-term goals. Michelle specializes in supporting clients through periods of growth, transition, and uncertainty. She addresses competing financial priorities such as buying a home, saving for education, caring for loved ones, planning for retirement, and preparing for future healthcare needs. Her strategy blends disciplined investment management with planning across retirement, taxes, and long-term wealth building. She holds a Bachelor's Degree in Business Administration with a concentration in Accounting from ECPI College of Technology and holds the Personal Investment Advisor (PIA) designation. Michelle is fluent in both Tagalog and English. She is involved in her community through participation with the Greater Williamsburg Chamber of Commerce and the York-Seaford Youth Football and Cheerleading League.

Elizabeth Jordan is a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she provides investment advice and strategies tailored to clients' life goals, risk tolerance, time horizon, and liquidity needs. She assists clients in managing their individual wealth to meet their specific objectives, working collaboratively to create personalized financial strategies. Jordan has been in the financial services industry for over 24 years. She began her career after graduating from Sweet Briar College in 1996, gaining experience in various roles including equity syndicate analysis and capital markets. She has worked with firms such as Andrew Lanyi, Credit Suisse, Lehman Brothers, UBS, and Morgan Stanley before joining Merrill Lynch in 2019. She holds a Bachelor's Degree from Sweet Briar College and the Personal Investment Advisor (PIA) designation. Outside of her professional career, Jordan is active in her community as a sustainer with the Junior League of Hampton Roads and enjoys golfing, reading, and spending time with her family.

Amber Marois is a financial advisor with Ameriprise in Newport News, VA, holding a Series 66 designation and seven years of industry experience. She previously worked at Cetera and Raymond James and has been employed concurrently by Langley Federal Credit Union. Outside of her advisory role, she serves as Membership Chair for the Smithfield High School Athletic Booster Club, supporting local high school sports programs. Ameriprise offers retirement-income planning services focused on clients approaching or in retirement, combining research, modeling, and tax-efficiency analysis to create tailored recommendation reports. The firm serves individuals with significant investable assets and provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Joel Pope is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has one year of industry experience. His career includes roles at TowneBank, Towne Wealth Management, and Raymond James, as well as prior positions at the City of Suffolk, Tidewater Community College, Old Dominion University, GrubHub, and Portsmouth Christian Schools. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports a broad advisor network with specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

Melvin Mc Fall is a CFP® and holds a Series 66 license, currently serving as a financial advisor with Morgan Stanley in Newport News, VA. He has five years of industry experience, including prior roles at Edward Jones and longstanding involvement with The Real Estate Book and M.W. McFall, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning supported by proprietary tools and serves clients both directly and through corporate financial planning agreements.

Julie Lewis is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds a Series 66 designation and has been with UBS since 1993. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment strategies.

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.