Andrea Mc Murran is a Certified Financial Planner® with 25 years of experience in the financial services industry. She is currently a Vice President and Financial Advisor at Towne Bank, affiliated with Raymond James Financial Services Advisors, Inc. Her prior experience includes two decades at Monaco Capital Management, LLC and Raymond James Financial Services. Outside of her advisory role, she co-owns a real estate rental property with her husband. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and investment consulting using analytical tools and supports its clients through various advisory programs and institutional consulting services.

Robert Yeh is a CFP® professional with over 32 years of experience in the financial services industry. He has been with Ameriprise since 2005, including its affiliated entities, and is currently based in Virginia Beach, VA. Ameriprise provides retirement-income planning services primarily to individuals with substantial investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jeffrey Brown is a financial advisor with Merrill in Norfolk, VA, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Curtis Hanson is a financial advisor with UBS Financial Services, holding a Series 66 designation and 10 years of industry experience. He has worked at UBS Financial Services since 2015, with a two-year tenure at LPL Financial in between. Hanson is based in Norfolk, VA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets and research resources.

Justin Sanders is a financial advisor with Wells Fargo Clearing in Norfolk, VA. He holds Series 65 and Series 63 licenses and has been with Wells Fargo Bank, N.A. since 2016, transitioning to Wells Fargo Clearing in 2025. Prior to his financial services career, he worked at Target in 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 across more than 14,000 advisors, offering both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

David Burlin is a financial advisor with Merrill in Norfolk, VA, holding Series 63 and Series 65 designations and having 38 years of industry experience. He has worked with Merrill and its predecessor entities since 1988 and has been associated with Bank of America since 2009. Burlin is an owner of two family businesses unrelated to investment advisory services. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Byron Barnes is a financial advisor at Edward Jones in Norfolk, VA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 16 years of industry experience, including roles at Merrill Lynch, Bank of America, Suntrust Investment Services, and PNC Bank. Outside of finance, he was involved with Stove The Restaurant for 16 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Judah Stephens is a financial advisor at Morgan Stanley in Newport News, VA, with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Centient1 and Fidelity Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including financial planning that leverages structured discovery processes and firm-approved tools to support tailored client plans.

Kim Cyr is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, Kim worked at Wells Fargo Advisors LLC for seven years. She is based in Virginia Beach, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gregory Smith is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, Smith is a quarter owner, pilot, and treasurer of TLC Aviation, an aviation business based in Virginia Beach, VA. Ameriprise provides retirement-income planning services targeted at individuals nearing or in retirement, typically with significant investable assets. The firm offers a combination of advisory, brokerage, and insurance solutions, utilizing a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

Edward Spencer is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2006. Outside of his advisory role, he serves on the Endowment Committee of the Virginia Living Museum. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and estate strategies supported by structured processes and firm-approved tools.

Charles Heaton IV is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2007, he has been assisting families in developing comprehensive financial strategies that are detailed enough to meet their goals while remaining straightforward to avoid unnecessary complexity or concern. His approach involves asking thoughtful questions, actively listening, and providing guidance aimed at serving the best interests of his clients and their families. With over two decades of experience in financial services dating back to 2002, Charles specializes in family wealth management, college education planning, personal retirement planning, portfolio management, and strategies tailored for women, special needs planning, and tax minimization. He strives to help clients prepare for significant life events such as births, graduations, weddings, celebrations, travel, and retirement, and provides support during challenging times to offer stability and a clear path forward. Prior to his financial career, Charles served as a Marine and Naval Officer for 25 years. He holds a Bachelor of Science degree from Embry-Riddle Aeronautical University, an M.B.A. from Old Dominion University, and is a graduate of the Naval War College. Charles is a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of work, he enjoys baseball, boating, and spending time with his family. He is married with two adult children.

Timeyin Olowu is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and one year of industry experience. Prior to his current role, he worked at Wells Fargo Bank, Amazon, and held positions in education and management in South Africa. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services focused on investment policy statements, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Aashish Matani is a Wealth Management Advisor and Managing Director at AHM Wealth Management, a division of Merrill Lynch Wealth Management, where he has been employed since 1999. As Senior Portfolio Manager, he oversees investment strategies for the AHM Wealth Management Group and supports other Merrill advisors by managing personalized or defined investment strategies on a discretionary basis. He also contributes to the firm by mentoring and training fellow advisors and participating in diversity and inclusion initiatives. His professional designations include the Chartered Financial Analyst (CFA), Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Aashish holds a Bachelor's degree in Finance with a concentration in Portfolio Management from Old Dominion University. He is a member of professional organizations such as The CFA Society of New York, The CFA Society of Virginia, and the Investment and Wealth Institute. Aashish draws inspiration from his mother's immigrant experience and dedication, which influenced his educational and professional path. He resides in Virginia with his wife and enjoys activities including golf, reading, biking, skiing, and spending time with family and friends. His community involvement includes participation in the Barron's in Education Program, the Chesapeake Bay Wine Classic Foundation, and the Williamsburg Community Foundation.

Thomas Vitaletti is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63, Series 65, and Series 66 designations and has 33 years of industry experience. Prior to joining Raymond James in 2025, he worked at LPL Financial for 14 years. Vitaletti is also active as a Bank Associate at TowneBank in Williamsburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs conservative, non-discretionary planning and analytical tools to tailor recommendations to clients' goals and is notable for its municipal advisor affiliation and specialized SIMPLE IRA advisory programs.

Poonam Maheshwari is a CFP®-certified financial advisor with 30 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 Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

John Woleben Jr. is a financial advisor at Osaic with 43 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. Prior to joining Osaic in 2024, he worked for Securities America Advisors, Inc. and Securities America, Inc. for 12 years. Outside of his advisory role, he is an insurance agent with Friedman Associates Insurance Sales. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and risk-tolerance analysis to construct diversified portfolios that may include various asset types and managed-account solutions.

Leo O'Connell is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients through a team based in Newport News, Richmond, and Tulsa. He focuses on helping clients develop comprehensive wealth plans that align with their personal financial goals. His areas of expertise include college education planning, corporate executive services, executive and equity compensation, personal retirement planning, special needs planning strategies, women and wealth, sports and entertainment, individual and corporate investment strategies, and retirement income. With a Bachelor's Degree from the College of William & Mary, Leo holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Throughout his 30-year career at Merrill Lynch, he has valued building long-term relationships with clients and their families, emphasizing collaboration and personalized planning. Leo is also involved in community organizations such as CHKD, Hampton Roads Children's Charities, St. Jude Children's Research Hospital, and Warwick Little League. Outside of his professional work, Leo enjoys a variety of activities including baseball, fishing, gardening, hiking, reading, scuba diving, skiing, surfing, traveling, and spending time with his family.

Charles Roberts Jr. is a financial advisor with UBS Financial Services in Norfolk, VA, holding Series 63 and Series 66 designations and 17 years of industry experience. He has been with UBS since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances. The firm operates with both wealth management and institutional trading capabilities.

Matthew Martin is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and previously worked at Woodbury Financial Services, Inc. for ten years. In addition to advising, he serves as chairperson of Two Twelve, a business referral network in Newport News, VA. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services using asset-allocation tools and managed accounts across various investment vehicles.