Isaac Lucier is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 11 years of industry experience. His previous roles include positions at Foresters Financial Services and Instacart. Outside of financial advising, he is involved in language services through Richmond Translator LLC, operates as a public notary, and buys and sells trading cards with Ragnarok Cards. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, with assets under management exceeding $256 billion.

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 Series 66-licensed financial advisor with 18 years of industry experience. He has been with LPL Financial since 2012, following prior roles at Claris Financial, LLC and Edward Jones. Outside of his advisory work, he is involved in educational and business ventures through Abacus Consortium, LLC and Abacus Educational Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across various account types.

Andrea Saunders is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. She has worked with Wells Fargo since 2016 and previously was with Davenport & Company LLC in 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, managing approximately $671 billion in assets. The firm offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

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.

Ethan Greene is a Planning Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to build meaningful, long-term relationships by understanding their unique personal and financial circumstances. By gaining insight into clients' values, priorities, and financial goals, he helps establish financial plans and review strategies to empower clients to pursue their goals with confidence and clarity. Prior to his current role, Ethan held positions at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a High Net Worth Service Associate from 2023 to 2024. Before joining Fidelity Investments, he worked as a Financial Professional at Equitable from 2020 to 2023. Outside of his professional career, Ethan's personal interests include food, social events with friends, music, outdoor adventures, and soccer.

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 with LPL Financial in Glen Allen, VA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 35 years of industry experience and has previously worked with Kestra Advisory, Cambridge Investment Research, and Tower Square Securities. He also operates Alpha Wealth Advisors, LLC, which includes a third-party administration service and non-variable insurance offerings. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

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 its affiliated firm since 2011. Outside of his advisory work, he serves as a board member of the Full Circle Grief Center and participates in the finance committee at Mechanicsville Christian Center. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and supports both discretionary and non-discretionary management through multiple platforms and proprietary strategies.

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.

Justin Rouse is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans and investment strategies tailored to their specific goals and needs. He has been with Fidelity Investments since 2023, progressing through roles including Investment Solutions Representative and Investment Consultant before assuming his current position in 2025. Prior to joining Fidelity, Justin worked as an Agent at New York Life in 2022. Justin's professional experience encompasses various aspects of financial consulting and investment services, reflecting a commitment to client-focused financial planning. Outside of his professional work, he has interests in fitness, golf, military service, pets, and running.

Steve Nagy is a Vice President and Executive Planning Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 1999, progressing through several positions including Wealth Planning Consultant, Relationship Officer, Retirement Income Planner, and roles in Stock Plan Services and Service and Trading. Prior to joining Fidelity, he worked in Investor Information at Scudder Kemper Investments. Throughout his career, Steve has developed expertise in financial planning and client relationship management, focusing on understanding each client's unique financial goals and developing tailored strategies to work toward them. He holds a California Insurance License. Outside of his professional life, Steve has personal interests that include baseball, beach activities, fitness, golf, pets, and running.