Scott Patterson is a financial advisor at Merrill with 24 years of industry experience. He holds the Series 66 designation and has been with Merrill since 2001, concurrently working at Bank of America since 2009. Outside of his advisory role, he serves as Committee Member and Alumni Association Membership Chair for the US Naval Academy Alumni Association Chapter and is a Chief Staff Officer in the US Navy Reserve, providing synthetic training for deploying combat forces. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm utilizes multiple Program Strategy types and an extensive roster of manager-constructed strategies, with investment management overseen by its Chief Investment Officer and platform governance.

John Thornton is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Truist Investment Services. He is also involved as an owner of a real estate rental business in Charlottesville, VA. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joseph Feola is a financial advisor with Ameriprise in Charlottesville, VA, holding a Series 66 designation and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2006. Feola is involved in business ownership through OFG LLC, where he serves on the executive, investment, and marketing committees. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement with significant investable assets, providing detailed, written recommendation reports that incorporate research, modeling, and tax-efficiency analysis. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Kristen Hardy is a financial advisor at Ameriprise with 26 years of industry experience and holds the Series 66 designation. She has worked with Ameriprise since 2001 in various capacities. Outside of her advisory role, Hardy is a co-owner and Chief Operations Officer of OFG, LLC, and serves as a high school softball coach for Albemarle County Public Schools. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing annual advice focused on reliable income sources and tax-aware withdrawal strategies.

Darren Kinsey is a CFP® professional with seven years of experience in the financial industry. He is currently with LPL Financial and has previously worked with Cetera Wealth Services LLC, Private Advisor Group, LLC, and Wilkinson Wealth Management. 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 range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Derek Blair is a financial advisor with Charles Schwab & Co., Inc. in Charlottesville, VA, holding Series 63 and Series 65 licenses with two years of industry experience. His prior roles include positions at Bernstein Private Wealth Management, LPL Financial, and Petrichor Wealth Management. Blair has experience in financial advisory services across multiple firms since 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, supported by a large scale and integrated operational structure.

Bryan Vides is a Financial Advisor based in Charlottesville, Virginia, affiliated with Merrill Lynch Wealth Management. He has more than 17 years of experience within the financial industry, including ten years serving in Merrill's downtown Los Angeles market and international division in San Diego, California. Prior to his current role, Bryan worked with ultra-high net worth clients at Wells Fargo Advisors in Beverly Hills. Born and raised in Los Angeles, California, Bryan spent three years in Central America before attending California State University Los Angeles, where he earned a bachelor's degree in Business with a major in Finance. He holds Series 7 and Series 66 FINRA registrations, state insurance licenses, and a Real Estate Broker license, which has supported his work advising clients in commercial real estate alongside financial investments. Bryan enjoys spending time with his wife Ana, their three children, and their pets. He is an avid cyclist, runner, and collector of classic cars. He volunteers at the Church of Incarnation, where he provides baptism classes to parents.

Eric Wagner Jr. is a CFP®-certified financial advisor with 10 years of industry experience. He is currently with Morgan Stanley, having worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2023. His prior experience includes roles at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements.

Glenn Bannan is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in Charlottesville, Virginia. He has over 25 years of experience in the financial services industry, including more than 15 years with Merrill. Glenn specializes in delivering personalized financial guidance and comprehensive wealth management strategies for individuals and families. His approach begins with a thorough discovery process that considers investments, retirement and college savings, insurance, healthcare planning, estate strategies, and tax considerations to develop tailored financial plans aligned with clients' goals and values. Glenn began his career in 1997 with UBS in Atlanta, followed by a role as Vice President at Deutsche Bank, where he assisted families transitioning from private business ownership to holding restricted stock in public companies. After moving to Charlottesville in 2008, he joined Merrill's local office and has since served the community and surrounding areas. He holds a Bachelor's Degree from West Virginia University and has earned several professional certifications, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Investment Management Analyst® (CIMA®), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Glenn is a member of the Central Virginia Estate Planning Council and has been involved in community service, including serving on the board of the United Way of Greater Charlottesville from 2013 to 2015 and leading financial literacy programs for middle school students with the Boys & Girls Clubs of Central Virginia. Outside of his professional responsibilities, he enjoys playing pickleball, tennis, and golf, and values spending time attending his son's soccer, squash, and golf events.

Caitlin Persson is a financial advisor at LPL Financial with six years of industry experience. She holds a Series 66 designation and previously worked at Merrill and Tommy Hilfiger. Outside of her advisory role, she is a licensed notary in Virginia. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm supports its advisors with model portfolios, third-party management, and a variety of strategic investment options.

Carol Ham is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and with 29 years of industry experience. She has worked at Merrill since 1995 and Bank of America, N.A. since 2009. Ham serves as a trustee for Westminster Canterbury of the Blue Ridge, a life care community offering various levels of senior living and care services. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Fulton is a financial advisor with UBS Financial Services in Charlottesville, VA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with UBS since 2002. He serves as Chairman of the Endowment Committee for the Rosarian Academy Charitable Trust and is a board member of the Cathleen McFarlane Foundation, which provides financial grants to homelessness, addiction, and animal aid organizations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to deliver tailored financial plans and portfolio management.

Joseph Bowen is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and Series 65 licenses and having two years of industry experience. His background includes roles at Bowen Financial Group and MassMutual, as well as service with the Albemarle County Fire Department. 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 range of financial planning and portfolio management services supported by a large network of investment adviser representatives.

Brian Coffing is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he develops personalized financial strategies and provides strategic advice to individuals, families, business owners, and charitable foundations. He collaborates regularly with a team of firm specialists to address complex financial needs. Brian earned a bachelor's degree in economics from the University of Virginia in 2002. Before joining Merrill Lynch Wealth Management in 2013, he managed a small business in the motorsports industry. He holds Series 7 and Series 66 FINRA registrations, Life and Health Insurance licenses, and is designated as a Personal Investment Advisor (PIA). Outside of his professional work, Brian engages in activities such as tennis, sailing, basketball, and exploring the Blue Ridge Mountains with his Jack Russell terrier.

Scott Solak is a financial advisor with Edward Jones in Charlottesville, VA, holding Series 63 and Series 66 designations and 14 years of industry experience. Prior to joining Edward Jones in 2025, he spent 10 years at S&P Global Market Intelligence. He serves as the Treasurer on the board of the Forest Lakes Community Association in Charlottesville. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Glenn Catalano is a CFP® professional with 39 years of industry experience, currently serving at Ameriprise Financial Service, LLC since 1986. He holds a Series 63 license and is based in Crozet, VA. Outside of his advisory role, he acts as a FINRA arbitrator in Washington, DC. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing tailored written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to generate recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Julianne De Varennes is a financial advisor at Raymond James Financial with two years of industry experience. She holds a Series 66 designation and has prior experience with firms including LPL Enterprise, Pruco Securities, and Atlantic Union Bank. Outside of advising, she manages weekly bingo operations for fundraising activities supporting local fire and rescue squads. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and is notable for its municipal advisory affiliation and recent development of SIMPLE IRA Employer Advisory & Consulting Services.

Gail Helmick is a financial advisor at Stifel with 21 years of industry experience. She has been with Stifel Nicolaus & Co. Inc. since 2009 and holds a Series 66 designation. Outside of her advisory role, she serves as a committee member on the Madison County Career & Technical Education Advisory Committee, overseeing the disbursement of Perkins funds. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses intended to support client decision-making.

Amy Ellertson is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a wider range of financial products than typical large institutional advisers.

John Dozier is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in serving affluent families and individuals with complex financial needs. He develops goals-based wealth strategies that align with clients' priorities, values, needs, and objectives. John began his career in Merrill's Junior Executive Training (JET) Program within Asset Management. After earning his Bachelor of Business Administration from Southern Methodist University and his Master of Business Administration from the University of Michigan, he worked on the institutional side of finance, creating derivative strategies for large hedge funds, endowments, pension funds, asset managers, and sovereign wealth funds. He has served as a Visiting Lecturer at the University of Virginia McIntire School of Commerce and holds the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute™. John has also taught in collaboration with the Yale School of Management’s Wealth Management Theory & Practice program. Beyond his professional expertise, John is a member of The Anglers Club of Charlottesville and actively participates in community organizations including the Southern Environmental Law Center Leaders Council and The Fralin Museum of Art at the University of Virginia Advisory Board. He lives in Southern Albemarle with his wife and two sons and pursues personal interests such as fishing, skiing, and traveling.