Joshua Cross is a Wealth Management Advisor and a founding member of the Hardy, Smith, Cross & Associates team, where he serves as the lead relationship manager and financial strategies consultant. In this role, he works closely with clients to identify their personal objectives and monitors their progress toward achieving their financial goals. His background in both financial services and psychology and counseling provides him with a distinctive perspective to guide clients in creating their financial and personal legacy. Mr. Cross holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Exit Planning Advisor (CEPA), Chartered Life Underwriter (CLU), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Master's Degree from Regent University and a Bachelor's Degree from West Virginia University. His client focus areas cover a broad range including retirement planning, portfolio management, legacy planning, socially responsible investing, and services for endowments, foundations, and non-profits. Originally from Morgantown, West Virginia, Joshua currently resides in Charleston with his wife and three children. He is actively involved in the Charleston community and serves on the board of the Clay Center for the Arts & Sciences. Outside of his professional responsibilities, he enjoys biking, hiking, reading, and spending time with his family.

Adam Perry is a Financial Advisor and partner on the PS & Associates team at Merrill Lynch Wealth Management. He has over five years of experience in the industry, focusing on wealth management for individuals and families. Adam works to understand each client's financial situation and priorities to develop personalized financial strategies that are flexible to changing needs and market conditions. His expertise includes college education planning, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Adam provides clients with access to Merrill's investment insights and the banking convenience and lending solutions of Bank of America to address various aspects of their financial lives. Adam holds a Bachelor's Degree from West Virginia University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also involved in community service, volunteering with organizations in the communities he serves. In his personal time, Adam enjoys baseball, basketball, golfing, and hunting.

Arville Cline is a financial advisor at Osaic with 13 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Primerica Advisors and Primerica Financial Services for 12 years. He also owns Cline Business Services, a proprietorship offering full accounting and tax services as well as property and casualty insurance brokerage. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a focus on diversified portfolios and access to third-party managers.

Cassandra Williamson is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Norman Shumate III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2019, leveraging nearly 30 years of experience in the newspaper business, venture capital, and public accounting. As a mid-life career changer, Norman has developed a client-centered practice within a large financial services firm. He works closely with business owners, individuals in mid-career contemplating retirement, and others managing transitions in their lives, aiming to help them grow, preserve, and leave a legacy with their wealth. Norman's background includes leading and selling a family-owned newspaper business, providing him with insights into the financial challenges faced by small business owners. His client focus areas encompass family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and retirement income. He holds professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from West Virginia University. Norman and his family have resided in Charleston, West Virginia, for over 30 years. He contributes to his community through service on the Yeager Airport Board of Directors and previously served on the United Way of Central West Virginia Board of Directors from 2013 to 2021. Additionally, he has been involved with the YPO Gold Mountain State as an Assistant Learning Officer.

Marc Arnold is a financial advisor with Ameriprise in Parkersburg, WV, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, Arnold serves on the University of Charleston Financial Planning Advisory Committee. Ameriprise provides a range of advisory, brokerage, and insurance services, including a retirement-income planning program designed for clients approaching or in retirement with significant investable assets. The firm utilizes a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

John Quisenberry is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliated private bank since 2017, following prior roles at Bank of America and Merrill. Outside of his advisory work, he is the owner of Q2 Realty, LLC, a business involved in managing a single-family rental property in West Virginia. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Sarah Neff is a financial advisor with Robert Baird & Co. in Charleston, West Virginia, holding a Series 66 designation and eight years of industry experience. She has worked at Baird since 2019 and previously at D.A. Davidson & Co. from 2015 to 2019. Outside of her advisory role, she is involved as a health and beauty product representative with Plexus. Baird’s Private Wealth Management department, including the DDK Group where Neff works, serves individual, corporate, pension, and charitable clients through financial planning, portfolio management, and custody services. The firm employs a range of managed account strategies, tax management, and proprietary research, with reported regulatory assets under management of approximately $394 billion as of December 2025.

Charles Topp is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Outside of his advisory role, he serves on the board of directors for the Neil A. Smithson Foundation, where he participates in discussions on fund donations and investment strategies. 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 broader range of financial products than many peers, including insurance-related vehicles and bank deposit sweep options.

Michael Fannin is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and is based in Charleston, WV. Outside of his advisory role, he has been involved in the restaurant industry as a cashier and server at Pepperoni Grill LLC. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a variety of advisory programs to individuals and institutions, including tailored financial planning supported by proprietary tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Brooks Farmer is a Series 66-licensed financial advisor with Edward Jones in Charleston, WV, where he has worked for 15 years. He serves as a board member of Berry Hills Country Club and is a member of The Lawson Henry Company LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Jeffrey Velepec is a Senior Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1987 and brings over 38 years of experience in the financial industry. Jeffrey works closely with individuals and small businesses to develop customized financial strategies tailored to their specific needs, including wealth, education, retirement, and estate planning. As a Senior Portfolio Advisor, he manages custom investment strategies on a discretionary basis, utilizing Merrill model portfolios and third-party investment options. Jeff holds a Bachelor of Science degree in Mechanical Engineering from Valparaiso University. He also possesses the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. Prior to joining Merrill Lynch, Jeffrey had a brief career as an engineer for a division of Exxon. He is active in his community, coaching youth soccer and basketball, and has served on nonprofit boards including Goodwill Industries and the Alzheimer’s Association. Jeffrey resides in Charleston, West Virginia with his wife Nina and their three children.

Robin Parog is a Series 66 licensed financial advisor with Merrill in Charleston, WV, and has 13 years of industry experience. He has been with Merrill 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Childress is a financial advisor at J.P. Morgan Securities with 23 years of industry experience. He holds the Series 66 designation and has been with J.P. Morgan Securities since 2012, having also worked at JPMorgan Chase Bank, N.A. since 2004. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Charlie Da Vee is a CFP® professional with 11 years of industry experience. Currently affiliated with J.P. Morgan Securities, he previously held roles at Starwood Capital LLC and several other financial firms. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework when recommending strategies.

Kelly Castleberry III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. during multiple periods. Castleberry serves on the advisory board for The Clay Center for Arts and Sciences in Charleston, West Virginia. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and a range of investment programs supported by structured planning tools and quantitative modeling.

Andrew Lewis is a financial advisor at Morgan Stanley in Charleston, WV, holding a Series 66 designation with one year of industry experience. His prior roles include positions at Ameriprise and Northwestern Mutual Investment Services. Outside of finance, he has experience in landscaping and worked at Berry Hills Country Club. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools but does not provide individual security recommendations as part of its standalone planning.

James Payne is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at Raymond James Financial Services Advisors INC. since 2013 and is a 50% owner of Payne Investment Team LLC, a support company. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charities, and institutional clients. The firm utilizes risk profiling and analytical tools to tailor non-discretionary planning and supports institutional consulting and portfolio management across a large advisor network.

Jason Gruse is a financial advisor with Edward Jones in Charleston, WV, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he is involved with Charleston Catholic Middle School. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supporting its services with a large network of advisors and branch offices nationwide.

Shawn Cunningham is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 11 years of industry experience. He has been with Wells Fargo entities since 2016. Outside of finance, he coaches basketball at West Side Middle School in Charleston, WV. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.