Spaska Boyanova is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Joseph Cummings Jr. is a financial advisor at OSAIC with four years of industry experience. He holds Series 63 and Series 65 licenses and previously served in the U.S. Navy for 19 years. Outside of his advisory work, he volunteers as a coach for The Honor Foundation, assisting transitioning Special Operations Forces service members. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers.

Bonnie Walker is a financial advisor at Ameriprise in Newport News, VA, holding a Series 66 credential with one year of industry experience. Prior to joining Ameriprise in 2025, she worked at Cetera Investment Services LLC and has also held positions at Langley Federal Credit Union and PNC Bank. She has additional work experience in retail and as a homemaker. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendation reports and ongoing annual planning advice, focusing on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Ashley Lavoie is a CFP®-designated financial advisor with LPL Financial, based in Newport News, VA. She has 14 years of experience with LPL Financial and a total of 10 years in the industry. 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 investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, coupled with access to research and model portfolios from LPL Research and third-party subadvisors.

Jeffrey Rakes is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and offering 23 years of industry experience. He has been with Wells Fargo in various capacities since 2009. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Mark Drewry is a financial advisor with LPL Financial in Yorktown, VA, holding Series 63 and Series 65 credentials and having 11 years of industry experience. His prior roles include positions at Nationwide Securities and Laufer Insurance and Financial. He is also a business owner with interests in custom home building and remodeling and serves on the York County Virginia Board of Supervisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services with both discretionary and non-discretionary management and incorporates model portfolios and research from multiple sources.

Robert Roadarmel is a financial advisor with Wells Fargo Clearing in Newport News, VA. He holds a Series 63 designation and has 57 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. 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.

Beth Brauner is a financial advisor at Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 66 credentials with three years in the industry. Prior to joining Morgan Stanley in 2023, she spent five years with Abundance Organizing and engaged in volunteer work from 2015 to 2018. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Amy Stone is a Senior Financial Advisor based in the Williamsburg, VA office of Merrill Lynch Wealth Management. She began her financial services career in 2005 at Merrill, where she worked until 2013 before spending eight years at SunTrust Investment Services. Amy rejoined Merrill Lynch in 2021 and focuses on working with multigenerational families to help them achieve their financial goals. Her expertise includes areas such as education planning, family wealth management strategies, legacy planning, retirement income, and investment consulting for defined contribution and defined benefit plans. Amy holds a Bachelor of Science in Business Administration from Christopher Newport University and a Master’s degree from Averett University. She earned her CERTIFIED FINANCIAL PLANNER™ (CFP®) certification in 2019 and also holds the Personal Investment Advisor (PIA) designation. Outside of her professional life, Amy enjoys spending time with her husband, Richard, who is a firefighter/EMS, and their miniature Australian Shepherd, Copper. She is an equestrian with five horses, competes in endurance racing, and enjoys outdoor activities such as camping, hiking, horseback riding, and running.

Melodi Cupp is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. Her prior roles include positions at Morgan Stanley and Securities America Advisors. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions supported by extensive research and analytics, managing approximately $671 billion in assets with over 14,000 financial advisors nationwide.

Emily Gardner is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. Her background includes roles at Morgan Stanley and Owens-Illinois. 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.

Seth Blanton is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 19 years of experience in helping clients plan for their future. He specializes in personal retirement planning, portfolio management services, and retirement income. Seth takes a comprehensive approach to managing wealth by understanding each client's unique financial situation and priorities, creating customized strategies that adapt to changing needs and market conditions. Through his work, he leverages the investment insights of Merrill and the banking capabilities of Bank of America to address various aspects of clients' financial lives. He holds a Bachelor's Degree from the University of Virginia's College at Wise and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Seth is committed to delivering excellent service and supporting clients through every stage of life with care, respect, and dedication. He participates in community service, volunteering with local organizations, reflecting his connection to the communities he serves. Outside of his professional work, Seth enjoys boating, camping, music, and spending time with his family.

Kevin Heyman is a CFP® professional with 27 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., where he has worked since 2021. Prior to that, he spent seven years with Wells Fargo Advisors. Outside of his advisory role, Heyman is involved in local aquaculture businesses, including partnerships in oyster harvesting and ownership of a fishing vessel. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and consulting using comprehensive risk profiling and modeling tools, and supports various specialized advisory programs including municipal and public-finance services.

Allan Mcclure is a financial advisor with Primerica Advisors in Williamsburg, VA, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at Fairlead Integrated, Huntington Ingalls Industries, and PFS Investments Inc. Outside of his advisory duties, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, offering advisory services based on model strategies developed by unaffiliated asset managers.

John Gajdek III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2016. Outside of his advisory role, he is a member of the Kiwanis Club of Ocean View and participates in a real estate investment group. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and committee-driven investment models.

Eugene O Leary is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2017, following prior roles at National Asset Management and National Securities Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, supported by research and various model portfolio options.

John Kaine is a financial advisor with Mass Mutual Investors Services in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Metlife Securities Inc. for 22 years before joining Mass Mutual related entities in 2016 and 2017. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides structured, collaborative financial planning engagements supported by firm-approved analytical tools.

Donte Smith is a Resident Director and financial advisor with Merrill. He began his financial services career in 2014 and has over eight years of experience serving clients in the Greater Richmond Region and other states. Donte focuses on helping individuals and families develop and implement financial strategies aimed at growing, managing, preserving, and transferring wealth to support their ideal financial futures. His areas of expertise include family wealth management, legacy planning, portfolio management, retirement income, and philanthropic planning. Donte holds a Bachelor's degree in Business Administration from Grand Valley State University in Grand Rapids, Michigan. Prior to his financial services career, he worked for Steelcase, Inc., the world's largest office furniture manufacturer, for ten years in various roles. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Beyond his professional work, Donte is active in his community. He serves on the Board of Directors for the Black History Museum of Virginia and volunteers as a minister at M3 Church. He also coaches youth sports, supporting and mentoring young athletes. Donte resides in Glen Allen, Virginia with his two sons, Te'Ven and Aiden.

Ryan Lee is a CFA® charterholder with 22 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as treasurer for the Williamsburg Community Chapel, an interdenominational church in Williamsburg, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a notable range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Yvonne Gurley is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and bringing 29 years of industry experience. She has worked previously with Wells Fargo Advisors and has experience in both advisory and administrative roles, including supporting operations at Heyman Investment Group. 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using various analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.