David Whiteside is a CFP® with 13 years of industry experience, currently affiliated with Cetera. He has previously worked at Minnesota Life and Virginia Asset Management. Outside of advisory work, he serves as a football and basketball official for both high school and NCAA games. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diversified portfolio management, financial planning, and access to multiple program platforms and third-party managers.

Robert Leonard III is a CFP®-certified financial advisor with over 31 years of industry experience. He is currently with Cetera and has held positions at Select Brokers LLC and Securian Financial Services, Inc. Leonard is also the owner of Irongate Capital Advisors, LLC, which provides securities, advisory, and insurance services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Andrew Nixon is a financial advisor with Merrill in Richmond, VA, holding a Series 66 designation and 10 years of industry experience. He has worked at Merrill and Bank of America since 2018 and was previously with BB&T from 2015 to 2017. 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 individual, high-net-worth, and institutional clients.

Ronald Gilmore is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services and managing his own investment-related S Corporation focused on expense management. He has been with Cetera and its affiliates since 2020. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program structures and custodial relationships.

Traci Smith is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2025. In this role, she serves as a primary point of contact for clients, providing personalized service tailored to individual needs and preferences. When deeper wealth planning is necessary, she facilitates discussions with a Wealth Management Advisor to ensure comprehensive support. Traci has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 2020, including Planning Consultant, Relationship Manager, and Financial Representative. Prior to her tenure at Fidelity, she gained experience at several firms, including Edward Jones, GE Financial, Central Fidelity Securities, James Mitchell, Branch Cabell, and JMC. Outside of her professional responsibilities, Traci enjoys board games, family activities, music, reading, and traveling.

Harley Moore is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked previously with Virginia Asset Management and Securian Financial Services. In addition to his advisory role, he is also an insurance agent selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Ashley Williams is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, Williams worked for Henrico County Public Schools for 14 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tyler Hutson is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His work history includes roles at Bank of America, Merrill, and a consumer real estate finance company. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Garthaffner is a financial advisor with Ameriprise in Chesterfield, VA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Ameriprise and its affiliate since 2010. Ameriprise offers a retirement-income planning service for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to produce written recommendation reports delivered through a centralized consulting team.

Brad Swartzwelder is a financial advisor with Ameriprise in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in several business activities including operating an S-Corp for payroll and managing marketing and advertising ventures. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies, supported by a centralized consulting team using research, modeling, and algorithmic tools to generate tailored advice.

Kyle Lowe is a Series 66-licensed advisor at Cetera with one year of industry experience. Prior to his current role, he worked at Triumph NIL and Virginia Tech. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and investment strategies.

Jesse Wolfe is a financial advisor at Cetera with seven years of industry experience. He holds the Series 66 designation and has previously worked with Securian Financial Services Inc. and Virginia Asset Management, where he is also involved in operational support. Outside of advising, Wolfe participates in a real estate business venture in Richmond, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and planning services, with a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and investment strategies.

Gus Andrews III is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has been involved with Ikemor Co., Inc. since 2002, where he serves as president. Andrews has roles in multiple investment-related businesses, including partnerships in commercial real estate and corporate operations. OSAIC serves a diverse client base including retail, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers and platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and third-party money manager access to deliver brokerage and advisory services, with portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Audrey Keune is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. She has worked with LPL Financial and Abacus Financial since 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives.

Jacqueline Harrell is a financial advisor at Edward Jones in Richmond, VA, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at Henrico County Public Schools and the YMCA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and is known for its extensive retail advisor and branch network, as well as its affiliated capabilities beyond advisory services.

Ryan Modi is a financial advisor with Cetera, holding the CFP® designation and Series 66 license, and has 12 years of industry experience. He has worked at Virginia Asset Management since 2014 and joined Cetera in 2023. Modi is also an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Dorothy Allen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked at Lincoln Financial Advisors Corp for 16 years and has been associated with Penn Mutual Life Insurance Company for over two decades. Outside of her advisory role, she is involved in owning a real estate entity unrelated to investment and operates an insurance business offering various health and life insurance products. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a portfolio construction approach that includes asset allocation tools, risk-tolerance assessments, and access to third-party money managers.

David Perry is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2026. He has been leading and coaching a team of financial professionals focused on financial planning and relationship building. Prior to his current role, he served as Branch Leader at Fidelity Investments from 2023 to 2026 and Team Leader for Workplace Planning and Advice from 2021 to 2023. David's professional experience includes roles as Vice President Financial Consultant and Associate Financial Consultant at Charles Schwab, and multiple positions at Fidelity Investments starting in 2015, including Workplace Planning and Guidance Consultant and Financial Associate. He began his career as a Financial Services Representative at State Employees Credit Union in 2014. No information on his education, credentials, personal interests, or community involvement has been provided.

Emily Woods is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. She has worked at Ameriprise since 2019 and previously spent five years at Clear Advantage Enterprises Inc. Ameriprise Financial Services is a 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 advice focused on dependable income sources and tax-aware withdrawal strategies.

Andrew Jeretina is a financial advisor at Edward Jones in Midlothian, VA, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.