Cynthia Joseph is the Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2018. She is a Certified Financial Planner with over two decades of experience in the financial services industry. In her role, Cynthia partners with individuals and families to create personalized financial plans, leveraging Fidelity's resources to guide clients through the planning process and prioritize their goals and aspirations. Her professional background includes roles such as Financial Consultant and Investment Consultant at Fidelity Investments, Director of Operations at Performance Trust Investment Advisors, LLC, Senior Associate at Performance Trust Capital Partners, LLC, and Wholesaler at First Trust Portfolios L.P. Cynthia's extensive experience spans wealth planning, investment consulting, and operations management. Outside of her professional endeavors, Cynthia enjoys cooking and baking, participating in family activities, fitness, social events with friends, photography, and reading.

Bradley Gramm is a financial advisor with MassMutual Investors Services in Glen Allen, VA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at MassMutual and its affiliate MML Investors Services since 2005. Outside of advising, he is involved in managing a construction and renovations business and invests through a real estate venture. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative planning relationships using analytical tools and offers a range of programs including educational seminars and specialized event-driven planning services.

Ali Khalifa is an Investment Consultant at Fidelity Investments, a position held since 2026. In this role, he collaborates with clients to create financial plans that employ strategies aimed at assisting them in meeting their financial priorities and goals. His work focuses on planning and implementation to develop personalized financial plans. Khalifa has extensive experience within the financial services industry, having held multiple roles at Fidelity Investments since 2022, including Planning Consultant and Relationship Manager. Prior to that, he worked as a Financial Services Representative at State Farm and served as a Personal Banker II at Wells Fargo Bank, N.A., from 2019 to 2021. He is proficient in Arabic, French, and Spanish. Outside of his professional work, Khalifa has interests in art, museums, music, outdoor adventures, reading, and social events with friends.

Isaac Lucier is a financial advisor with Cetera who holds Series 63 and Series 65 certifications and has 10 years of industry experience. He has experience at Cetera Investment Services since 2019 and concurrently runs Richmond Translator LLC, a language services business. He is also active as a public notary and engages in buying and selling trading cards through Ragnarok Cards. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management and financial planning through a multi-manager platform with access to affiliated and third-party managers, supporting various investment strategies and program structures.

Emily Case is a financial advisor with Raymond James Financial who holds a Series 66 designation and has 13 years of industry experience. She has previously worked with Aetna and United Healthcare and is involved as an independent contractor with Young Living, selling essential oils. She is also a partner in Case Study LLC, a support business through which she employs her assistant and manages 1099 income. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and analytical tools and supports municipal and public-finance work through its affiliation with a municipal advisor.

Jerald Moore Jr. is a CFP® and ChFC® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020 after 33 years with Ameriprise Financial Services, Inc. He is based in Mechanicsville, VA. Outside of advising, he is involved in a family-owned business, Carmel by the Lake, LLC, and operates Home Transition Specialists, LLC, which provides services related to real estate purchase, renovation, resale, rent, and transition. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendations delivered through a centralized consulting team.

Maria Barysevich is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has prior experience with Truist Investment Services and Wells Fargo Bank. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Appaiah Ballachanda is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Claris Financial, LLC for five years. Outside of his advisory role, he is involved in financial education through Abacus Educational Services, LLC, and owns Abacus Consortium, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Andrea Saunders is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2013 to 2016. She holds the Series 66 designation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sarah Neale is a financial advisor with Ameriprise in Chesterfield, VA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. She worked at Ameriprise Financial Services, Inc. from 2006 to 2018. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach and provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Harraj Sandhu is currently a Planning Consultant at Fidelity Investments, where he works collaboratively as part of a financial planning team. He focuses on helping clients transform complex financial decisions into clear and actionable strategies tailored to their individual goals and priorities. Harraj has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, providing him with a broad perspective on client needs and financial planning processes. His approach emphasizes careful listening, attention to detail, and proactive strategy coordination to develop adaptable financial plans. Outside of his professional responsibilities, Harraj has interests in board games, cooking and baking, fitness, movies, reading, and traveling.

John Koziol is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at ePlus Technology Inc, Kelly Services, and RM Lucas. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Michael Lawston is a CFP® professional with 27 years of industry experience, currently serving as an advisor at Cetera since 2019. His prior experience includes roles at First Investors Advisory Services LLC and Fic. Outside of his advisory work, he is active in his community as an executive committee board member and vice president of the Goochland Chamber of Commerce, president of the James River Property Owners Association, and a youth athletics coach. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, employing a multi-manager platform that allows advisors to utilize affiliated and third-party managers across multiple program structures.

Troy Flinn is a financial advisor at LPL Financial with 34 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Kestra Advisory, Cambridge Investment Research, and Alpha Wealth Advisors, where he also manages third-party administration services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios, research, and a mix of discretionary and non-discretionary management approaches.

Justin Williams is a financial advisor at Edward Jones in Rockville, VA, holding the CFP®, ChFC®, and Series 66 designations with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and maintains a large network of advisors and branch offices across the United States.

Alla Panitkova is a Planning Consultant at Fidelity Investments, where she has been working since 2025. In this role, she focuses on developing strategic financial plans tailored to the unique needs of each client and helping them make informed decisions at every stage of life. Before her current position, Alla served as a Relationship Manager at Fidelity Investments from 2023 to 2025. Prior to that, she worked as an Advisory Client Associate at Wells Fargo Advisors from 2018 to 2022. Outside of her professional career, Alla has interests that include spending time at the beach, watching movies, parenthood, solving puzzles, running, and traveling.

Travis Sims is a financial advisor with Ameriprise, holding a Series 66 designation and eight years of industry experience. He has worked at Ameriprise and its affiliated entity since 2015. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, emphasizing managed accounts and algorithmic automation in its advisory process.

Jody Bellew is a Vice President and Financial Consultant at Fidelity Investments. In this role, Jody collaborates with clients to develop financial plans that balance maintaining their current lifestyle with preparing for their future. This involves creating customized plans focused on clients and their families, utilizing a broad range of tools and resources. Jody has been with Fidelity Investments since 2005, holding various roles including Service Trading Representative, Investment Consultant, Fixed Income Consultant, Senior Financial Consultant, Retirement Solutions Representative, and Regional Planning Consultant. This extensive experience has contributed to Jody's expertise in financial consulting and planning. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Kenneth Jones is a CFP® and ChFC® with 23 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors since 2016 and with Cambridge Investment Research, Inc. since 2011. Jones serves as a board member of the Full Circle Grief Center. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody platforms and proprietary and third-party model strategies tailored to client objectives.

Dustin Dodge is a financial advisor at Robert W. Baird & Co. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Financial Engines Advisors and Edelman Financial Services. Dustin is part of the DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by ongoing manager selection and internal research.