Ronald Senegal is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management and the founder of the Senegal Group. With over 30 years of experience in the financial industry, he works closely with successful individuals and their families to develop customized strategies aligned with their goals. Ronald manages portfolios on a discretionary basis, utilizing personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party options. He focuses on areas such as college education planning, family wealth management, legacy planning, liquidity management, retirement planning, philanthropic planning, tax minimization, and portfolio management services. Ronald holds a Bachelor’s Degree from the University of Virginia and the Personal Investment Advisor (PIA) designation. He resides in Washington, DC with his wife, Carissa, and their sons, Hudson and Ryder. Outside of work, Ronald enjoys traveling, playing golf, and exploring new experiences.

Mary Megginson is a financial advisor at Merrill with 18 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill Lynch and its predecessor entities since 1990, totaling 36 years of service. Outside of her advisory role, she is involved part-time with QVC, a home shopping network company. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Ray Kauffman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Wells Fargo since 2017 and previously held roles at Morgan Stanley Private Bank and Morgan Stanley from 2009 to 2017. 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, utilizing research and analytics to support diversified investment approaches.

Maryanna Gilmer is a financial advisor at Ameriprise with 12 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. In addition to her role at Ameriprise, she is co-owner of Origin Wealth LLC, an advisory business based in Charlottesville, VA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.

Shawn Pendleton is a ChFC® and Series 66 credentialed financial advisor with 12 years of industry experience. He has been with Stifel since 2013, based in Charlottesville, VA. Pendleton serves on the board and is chairman of the board for City of Promise, a nonprofit organization focused on education and mentoring for children in underserved neighborhoods. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Derek Shifflett is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. His prior roles include positions at Truist Advisory Services, BB&T, and BB&T Securities. He is also a commissioned notary in Virginia. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services with both discretionary and non-discretionary management options, supported by research and a variety of investment strategies.

Megan Shifflett is a financial advisor at Raymond James Financial with 17 years of industry experience. She holds Series 66 and Series 63 designations. Her career includes roles at Raymond James Financial Services, Atlantic Union Bank, and Union Bank and Trust. In addition to her advisory work, she is involved as a client assistant with Atlantic Union Financial Consultants, LLC. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and maintains institutional capabilities including public finance activities.

Loni Conley is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Prior to joining LPL Financial in 2020, she worked at Northwestern Mutual in various capacities from 2014 to 2020 and spent two years at Waste Management, Inc. Outside of her advisory role, she is involved in selling sports memorabilia and vintage sports cards through online platforms. 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 services, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

John Sload is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 credentials and 27 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 Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm offers IPS-driven advisory services grounded in modern portfolio theory, including investment policy statement preparation, investment recommendations, performance reporting, and participant education, and acts as an ERISA fiduciary when providing investment advice.

Jennifer Patterson is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 20 years of experience in the financial services industry. She has worked extensively with institutional investors on Defined Benefit and Defined Contribution plans, qualified and non-qualified plans, securities lending, performance and risk analytics, plan design, customized communication, and employee education. Jennifer assists clients in navigating complex financial dynamics including wealth accumulation, generational wealth building, retirement planning, income distribution, and related strategies. Her approach utilizes a goals-based wealth management process where she assesses individual situations to identify and prioritize financial goals. Jennifer develops tailored wealth management strategies considering clients' risk tolerance, liquidity needs, and time horizons, tracking progress and adjusting plans as needed due to life changes or market events. Through Merrill's broad suite of products and services, she offers access to banking, lending through Bank of America, investments, estate planning, trusts, and retirement planning to provide comprehensive financial solutions. Jennifer holds a Bachelor of Science in Business Administration with a concentration in Finance from Old Dominion University and is a Personal Investment Advisor (PIA). She is a military spouse who enjoys spending time with her family, crafting, reading, and hiking.

Michael Hancock is a financial advisor at Ameriprise with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Ameriprise and its affiliated entities since 2005. Hancock is also involved in business ownership related to his financial advisory practice, including managing the office space used by his firm in Charlottesville, VA. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered through a centralized consulting team.

Brock Petrie is a Wealth Management Advisor with Merrill Lynch Wealth Management who began his financial services career in 2011. Prior to joining Merrill Lynch, he spent 15 years in college athletics, focusing on fiscal management and revenue generation. Brock holds several professional designations, including the CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Economics and Business from the University of Illinois and a Master's degree in Sports Management from The Ohio State University. Brock works closely with individuals, families, and business owners to develop personalized wealth management strategies that align with their specific goals and financial needs. His areas of focus include college education planning, legacy planning, managing new wealth, personal retirement planning, small business strategies, and retirement income. Brock and his wife, Cindy, live in Charlottesville with their family. He is actively involved in his community and attends City Church in Charlottesville. In his personal time, he enjoys basketball, cooking, football, golfing, pickleball, reading, softball, spending time with family, traveling, and volleyball.

Scott Gibson is a financial advisor with Wells Fargo Advisors in Charlottesville, VA, holding Series 63 and Series 65 licenses and 20 years of industry experience. Prior to joining Wells Fargo Advisors in 2023, he spent 10 years with Ameriprise Financial Services. He is the sole owner of Scott Gibson Wealth Management LLC and a majority owner of Gibson GP, LLC, both investment-related entities. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and niche areas such as business-owner transition and special-needs analysis. The firm’s advisory services integrate with other financial products and referral channels, delivering tailored recommendations supported by Wells Fargo research and planning tools.

Joseph Platt is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 41 years of industry experience. His prior work includes roles at Grove Point Investments, Grove Point Advisors, Platt Financial, and H. Beck, Inc. Outside of his advisory work, he is involved with Skip Platt Inc, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services through a national network of investment adviser representatives.

Christian Mccullough III is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2009. He holds the Series 63, 65, and 66 licenses. Outside of his advisory role, he is also a musician and writer, involved in public performance and the dissemination of original music and words. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services based on a proprietary investment methodology developed by its Investment Strategy Group.

Thomas Grierson is a CFP® professional with 31 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC. Based in Charlottesville, VA, Grierson holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics with a focus on diversification and modern portfolio theory.

Graham Scharf is a financial advisor with Ameriprise in Charlottesville, VA, holding a Series 66 designation and eight years of experience at the firm. Prior to joining Ameriprise in 2018, he spent four years with the Advanced Studies in Culture Foundation. Ameriprise Financial Services is a large, diversified advisory firm that serves both individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and annual retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Julia Reichard is a CFP®-certified financial advisor with Raymond James Financial Services Advisors Inc. in Charlottesville, VA, with 13 years of industry experience. She is also owner of Dean-Reichard LLC and a trustee for the Clarity Wealth Partners LLC 401(k) plan. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored advice and implementation support through various account types and external managers.

Donald Giannangeli III is a CFP® with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to his advisory role, he worked at Don Johnson Motors, Inc. from 2014 to 2017. He also has a non-operational role in Don Johnson Motors, Inc., limited to signing checks for established vendors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and operates a large nationwide network of financial advisors, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Scott Marshall is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Advisors since 2009. Marshall serves on the compliance committee of the Lake Monticello Owners Association in Palmyra, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.