Joel Elmore is a financial advisor with LPL Financial based in Waynesboro, VA. He holds a Series 66 designation and has two years of industry experience, including prior roles at Positioning Universal Inc and Mission Secure Inc. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management, with support from in-house and third-party research.

Wallace Barrett Johnson is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Ameriprise and its related entities since 2005. Outside his advisory role, he serves as Treasurer and Vice President of Clarinity, Inc. and is President of a local condo association board. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides ongoing retirement-planning advice focused on dependable income and tax-aware withdrawal strategies.

Matthew Kurz is a financial advisor with Wells Fargo Clearing in Waynesboro, VA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Wells Fargo since 2009, including seven years at Wells Fargo Advisors LLC and ten years at Wells Fargo Clearing. Outside of his advisory role, he is involved in property management activities through ownership and coordination of several rental properties. 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 combines research and analytics with a broad range of brokerage and advisory solutions, supporting clients through diversified investment offerings and additional financial products from affiliated entities.

Cassandra Urbano is a financial advisor with Merrill in Charlottesville, VA, holding a Series 66 designation and 17 years of industry experience. She has worked at Merrill since 2008 and has also been with Bank of America, N.A. since 2016. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jack Wood is a CFP® and Series 66 credentialed financial advisor with 23 years of industry experience, currently with Charles Schwab & Co., Inc. in Charlottesville, VA. His prior experience includes roles at Foreside Fund Services, Merit Hill Capital, and Bluerock Capital Markets. He serves as a board member of The Miller School of Albemarle, a private educational institution. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management services supported by centralized custody and comprehensive operational infrastructure.

William Merrick is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He previously worked at MML Investors Services, Inc. and MassMutual Life Insurance Company for over three decades. Outside of his advisory role, he has involvement in health insurance sales and a family real estate business. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a variety of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

James Dickman is a CFP® credentialed financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, he serves on the finance committee of Grace Community Church in Charlottesville, VA. Stifel serves a broad client base including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Patricia Woodie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Advisors. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Nicholas Palmer is a financial advisor with Merrill in Richmond, VA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2016 and concurrently with Bank of America, N.A. since 2017. Outside of advisory work, Palmer serves as Chairman of the Illinois Alumni Association of Alpha Delta Phi and is a board member of the Virginia Squash Racquets Association. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage and custody services. The firm integrates closely with Bank of America affiliates and focuses on manager selection, tax-efficient strategies, and a range of investment program types.

Adam Powell is a financial advisor with OSAIC in Weyers Cave, VA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He previously worked with Securities America Advisors and SECURITIES AMERICA, inc. for eight years. Outside of his advisory role, he serves as Treasurer and a Finance Committee member for Staunton Alliance Church. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided asset allocation tools and third-party platforms to manage a range of investment vehicles on both discretionary and non-discretionary bases.

Billie Brittle is a financial advisor at Morgan Stanley in Charlottesville, VA, holding a Series 66 license with six years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she owns and operates a personal farm in Weyers Cave, Virginia. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process and offers a broad range of investment and financial products.

Adam Silvers is a financial advisor at Stifel in Charlottesville, VA, holding a Series 66 designation with 13 years of industry experience. He has been with Stifel Nicolaus since 2013. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services with an emphasis on fee-based financial planning. The firm's investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

David Elmore is a CFP® professional affiliated with LPL Financial in Waynesboro, Virginia, with 29 years of industry experience. He has been with LPL Financial since 2004. Outside of his advisory role, he is involved with the Elmore Foundation, a nonprofit organization that raises and distributes funds for business education for indigent people globally, and he holds ownership in a local restaurant, Mission Coffee, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Nicholas Decker is a financial advisor at Fidelity with nine years of industry experience. His prior roles include positions at Charles Schwab Bank, Ameriprise Financial Services, LPL Financial, and Merrill. He holds the Series 66 designation. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm employs a process that combines fundamental research and quantitative analysis to construct model portfolios utilizing mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and formal advisory roles to multiple registered investment companies.

John Flick III is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company. Outside of advising, he has operated as a mobile notary and is involved with entities such as The Flick Team, LLC, related to tax and investment purposes. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios, combining investment advice with brokerage and insurance products on an integrated platform.

Nelson Ham is a Senior Financial Advisor based in Charlottesville, Virginia, within the Global Wealth and Investment Management Division of Merrill Lynch Wealth Management. He joined the SCH GROUP in December 2013, which comprises three advisors and one dedicated client associate with over 65 years of combined experience. Nelson has obtained Series 7 and Series 66 FINRA Registrations, as well as state Insurance licensures, and successfully completed Merrill Lynch's five-stage Practice Management Development program. He holds the Personal Investment Advisor (PIA) designation. Raised in Albemarle County, Virginia, Nelson earned a bachelor's degree from the University of Virginia where he studied business and graduated with honors. Prior to joining Merrill Lynch, he worked as an educator instructing students on SAT and PSAT preparation, as a sales and marketing director partnering with a commercial real estate developer in Virginia, and as an Estate Manager assisting affluent families. His expertise includes education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, socially responsible investing including ESG, individual and corporate investment strategy, tax minimization, and retirement income planning. Nelson is actively involved in his community, volunteering with PACEM and the Virginia Special Olympics. He is also a member of the Monticello Cabinet, supporting preservation and education efforts. In his spare time, he enjoys outdoor activities such as fishing, hiking, and skiing around the Blue Ridge Mountains, as well as spending time with his family.

Jake Mclean is a financial advisor at LPL Financial with 13 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing, First Citizens Investor Services, and Merrill. Outside of finance, he is a business officer for Rocket Combat Sports along the East Coast. 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, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Zachary Hatter is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 66 licenses. He has three years of industry experience and has worked at several firms, including Concourse Financial Group Securities Inc and Weaver Insurance & Financial Advisors, where he also serves as a financial adviser. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and employs multiple program structures with discretionary and non-discretionary management options.

Andrew Lilly is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 15 years of industry experience. He has worked at Raymond James since 2014 and is also vice president of Atlantic Union Financial Consultants, LLC/AUB Wealth Management. His professional background includes roles at Union Bank & Trust and Atlantic Union Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized municipal and public-finance capabilities.

Joan Carlson is a financial advisor with Edward Jones, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. She has been with Edward Jones since 2009. Outside of her advisory work, she is involved with the Blue Ridge Rotary in Charlottesville, VA, assisting with club event planning. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large nationwide network of advisors and branch offices.