Martin Harar is a Wealth Management Advisor with nearly 50 years of experience in all aspects of wealth management. He began his career immediately after graduating from Virginia Tech in 1977, spending 36 years at State Farm Insurance, first as an agent in Reston, Virginia, and later transitioning to management in 1995. After retiring from State Farm in 2013, Martin started his career with Merrill Lynch Wealth Management. He holds a Bachelor's degree from Virginia Tech and is a CERTIFIED FINANCIAL PLANNER™ certificant. Martin focuses on clients' goals and concerns, utilizing a goals-based wealth management process to customize plans emphasizing asset preservation and retirement income. His areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and values-based investing, tax minimization, and retirement income. Martin is actively involved in his community as a parishioner of St. Thomas Aquinas, member of the Knights of Columbus, volunteer at Charlottesville Catholic School and The Covenant School, and member of the Charlottesville Committee on Foreign Relations. He serves as President of the Charlottesville Chapter of the Virginia Tech Alumni Association. He embodies Virginia Tech's motto "Ut Prosim" or "That I May Serve" in both his professional work and community involvement.

Fred Newsom is a financial advisor with LPL Financial located in Charlottesville, VA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 1999. Newsom also manages a branch and serves as a registered representative and investment advisor in Charlottesville. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Charles Bull is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He previously worked at Bank of America, NA for 11 years before joining Wells Fargo in 2020. Bull serves as an exam reviewer for the CFP Board of Standards, writing and reviewing questions for the CFP exam. 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 includes a broader set of financial product offerings than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Mauricio Rodriguez Gebran is a financial advisor with Fidelity in Charlottesville, VA, holding Series 63 and Series 66 credentials and five years of industry experience. His background includes roles at Uber, Lyft, and Whole Foods Market prior to joining Fidelity. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Shelly Pellish is a Series 66-licensed financial advisor with Ameriprise in Charlottesville, VA, with seven years of industry experience. She has been with Ameriprise and its affiliated entities since 2017, following a 15-year tenure at the Center for Christian Study. Outside of her advisory role, Pellish is the owner of Flying Squirrel, LLC, which she manages alongside her work at Ameriprise. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, delivering personalized recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Daisy Rojas is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and 65 licenses and three years of industry experience. Her prior roles include positions at Platt Financial, Rojas Stevens Company, United Way, and The Covenant School of Charlottesville. 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 advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Miriam Powers is a financial advisor at Mass Mutual Investors Services with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at MassMutual Commonwealth since 2017. Outside of finance, Powers has experience working with Union Mission Ministries and in retail and food service. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annually structured financial planning engagements supported by firm-approved analytical tools.

Joseph Shenk is a financial advisor with Cetera based in Crozet, VA. He holds the CFP® and ChFC® designations and has 20 years of industry experience. He founded Oak and Shepherd Wealth Management LLC in 2024, where he serves as President and Advisor, providing financial planning and insurance-related products as needed. Prior to this, he worked at Concourse Financial Group Securities Inc. for 19 years. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and features access to both affiliated and third-party investment managers across multiple program structures.

Jeffrey Mcgough is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. Prior to joining LPL Financial in 2018, he worked at VOYA Financial Advisors from 2014 to 2018. Outside of his advisory role, he is involved in managing an Airbnb rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party resources.

John Higgins II is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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 both brokerage and advisory solutions.

James Masloff is a CFP®-certified financial advisor with 38 years of industry experience, currently practicing at Raymond James Financial in Charlottesville, VA. He has been with Raymond James Financial Advisors since 2008 and its affiliated firm since 2009. Masloff is a managing member and partner in a family-owned LLC that holds a vacation home and co-owns a support company for his financial practice. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and corporate clients. The firm utilizes analytical tools and tailored, non-discretionary planning to support client goals and maintains distinctive municipal advisory capabilities alongside a broad advisor network.

Grace Barrett Johnson is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has prior experience managing an advisory business under Clarinity Inc. Johnson’s background includes service in the United States Marine Corps and community involvement through Christ the King Church. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to provide non-discretionary recommendations within a defined investment universe.

Beth Goodell is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Merrill and Bank of America. 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 grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products among its investment options.

Michael Drew is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 licenses and 12 years of industry experience. He previously worked at Citizens Bank and Wells Fargo Clearing Services LLC. Outside of his advisory role, he serves on the finance committee of the Knights of Columbus Fr. Adrian Harmening Council, participating in charitable activities and financial oversight. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. 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.

Adam Rorrer is a financial advisor at Morgan Stanley with 29 years of industry experience. He has been associated with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 2006. He holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

David Lemon is a CFP® professional with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved as co-treasurer of Scout Troop 114 in Irving, TX, assisting with financial management and administrative tasks. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Ronald Senegal is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management and the founder of the Senegal Group. With over 30 years of experience in the financial industry, he works closely with successful individuals and their families to develop customized strategies aligned with their goals. Ronald manages portfolios on a discretionary basis, utilizing personalized strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party options. He focuses on areas such as college education planning, family wealth management, legacy planning, liquidity management, retirement planning, philanthropic planning, tax minimization, and portfolio management services. Ronald holds a Bachelor’s Degree from the University of Virginia and the Personal Investment Advisor (PIA) designation. He resides in Washington, DC with his wife, Carissa, and their sons, Hudson and Ryder. Outside of work, Ronald enjoys traveling, playing golf, and exploring new experiences.

Mary Megginson is a financial advisor with Merrill in Charlottesville, VA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. She has been with Merrill Lynch and its affiliates since 1990. Outside of her advisory role, she is involved part-time with QVC, a home shopping network company. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ray Kauffman is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Wells Fargo since 2017 and previously held roles at Morgan Stanley Private Bank and Morgan Stanley from 2009 to 2017. 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 both brokerage and advisory solutions, utilizing research and analytics to support diversified investment approaches.

Maryanna Gilmer is a financial advisor at Ameriprise with 12 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. In addition to her role at Ameriprise, she is co-owner of Origin Wealth LLC, an advisory business based in Charlottesville, VA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations through a centralized consulting team.