Carolyn Menker is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 21 years of industry experience. Her prior roles include positions at Morgan Stanley, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of her advisory work, she is involved in photography as a home-based activity. 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 wide range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Shannon Chittenden is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Melanie Walton is a Series 66 licensed financial advisor with Morgan Stanley in Williamsburg, VA, bringing 18 years of industry experience. She has worked with Morgan Stanley Smith Barney since 2009 and previously with Citigroup Global Markets starting in 2007. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct-to-client and corporate financial planning arrangements.

Cathleen Dillon is a Series 66 licensed financial advisor with 19 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 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.

Patricia Campbell is a financial advisor at Raymond James Financial Services Advisors, Inc. with 38 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Raymond James and Townebank since 2020. Her prior experience includes roles at John Hancock from 2016 to 2020. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

Frank Smith is a financial advisor at Cetera with 37 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Voya Financial Advisors, Bank of America, and Merrill. Outside of his advisory role, he is also an independent insurance agent and serves as President and CEO of Sphinx Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with various program options and notable scale, managing over $256 billion in assets.

Noah Scruggs is a CFP® professional with seven years of experience in financial advising. He currently works at Ameriprise and previously held positions at Raymond James Financial and Davenport and Company. 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.

Christopher Enroughty is a financial advisor with Primerica Advisors in Williamsburg, VA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Primerica Advisors since 2013 and also maintains affiliations with Primerica Financial Services and Dominion. Outside of his advisory role, he is involved in the sale of home security, automation products, and other home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale, delivering advisory services through a network of nearly 3,700 advisors using model-driven investment strategies supported by third-party asset managers and custodial services.

Elizabeth Mills is a financial advisor with Primerica Advisors in Williamsburg, VA, holding Series 63 and Series 65 licenses and having two years of industry experience. She has worked at PFS Investments Inc. since 2024 and previously spent four years at Fortress Builders Financial. Outside of her advisory work, she is involved in sales of home-related products through affiliated companies, including loan products and home security services. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by third-party asset managers and supports trade execution and custody through established providers.

Sean Driscoll is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2006. He is also associated with Towne Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored planning and consulting using risk profiling and modeling tools, supports municipal advisory work, and provides specialized retirement plan services.

Michael Keating is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in retirement income planning. He focuses on helping clients ensure their income remains sufficient to maintain dignity and independence throughout retirement. His approach emphasizes creating long-term financial strategies paired with disciplined adherence to those plans across varying market conditions. With more than 30 years of experience in the financial services industry, Michael began his career as an institutional broker with several Wall Street firms in New York City. He later worked as a financial consultant for individuals and contributed to starting a market making and equity trading desk at a boutique investment firm. Currently, he works closely with clients to address retirement income challenges and navigate financial implications of life transitions. Michael holds a Bachelor of Science degree in Finance from Boston College and is a Personal Investment Advisor (PIA). He is involved in the Boston College Alumni Association and has contributed to his community as a youth baseball and basketball coach in Williamsburg, VA. Outside of work, he enjoys fishing, golfing, music, traveling, and watching movies.

Larry Golub is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior work includes positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he is involved as an ambassador with AG1 Nutritionals, a retail and online store based in Carson City, Nevada. Morgan Stanley Wealth Management offers advisory services to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and advanced modeling tools, with a wide range of investment and planning programs.

Monica Harrison Church is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC in multiple periods since 2014. Outside of her advisory role, she works as a server at Brookse's Bar and Grill in Winfield, WV, and provides temporary employment services through United Talent in Hurricane, WV. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Robin Wilcox is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he advises on practice issues for Wilcox Eye Center, an eye care business owned by his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christopher Parker is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He previously worked at WB Jackson & Associates for ten years and Securities America Advisors, Inc. for two years. LPL Financial is a national broker-dealer and 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 access to third-party asset management, supported by a large network of investment adviser representatives.

Mitchell Harry is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2016. He serves on the Finance Committee of the Alexander Graham Bell Association for the Deaf and Hard of Hearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary research to support its financial advisors.