Frank Elgin Jr. is a financial advisor with Equitable Advisors in Richmond, VA, holding a Series 66 designation and 16 years of industry experience. He has been with Equitable Advisors since 2010, following his tenure at Axa Advisors LLC from 2010 to 2020. Equitable Advisors serves individual clients, including both non‑high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm provides financial planning, retirement plan consulting, and asset-management programs, utilizing a combination of firm-offered programs and referrals to third-party managers.

James Jamison III is a financial advisor with LPL Financial, holding a Series 66 credential and 20 years of industry experience. He has worked at LPL Financial since 2010 and was previously with Ameriprise from 2006 to 2010. Outside of his advisory work, he is president and owner of Benefit Design & Administration, Inc., a third-party administrator. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,000 advisors.

Edward Bullano Jr. is a financial advisor with LPL Financial in Glen Allen, VA, holding Series 63 and Series 65 credentials and more than 40 years of industry experience. He has worked previously at Wells Fargo Clearing, BB&T Investment Services, and Signator Investors. Outside of his advisory role, he is involved in business ventures including Synergy Wealth Group and Bullano Enterprises LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of tools and services.

William Lacy is a financial advisor with Mass Mutual Investors Services in Glen Allen, VA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a member of the Board of Zoning Appeals in Goochland, VA, and volunteers with The Dylan Lacy Foundation for Recovery, which raises funds to support addiction recovery efforts. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning, asset management, and educational programs to individuals, business owners, trusts, and charitable organizations. Their approach involves collaborative, annual financial planning engagements using firm-approved analytical tools to develop investment strategies without discretionary authority.

Cynthia Joseph is the Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2018. She is a Certified Financial Planner with over two decades of experience in the financial services industry. In her role, Cynthia partners with individuals and families to create personalized financial plans, leveraging Fidelity's resources to guide clients through the planning process and prioritize their goals and aspirations. Her professional background includes roles such as Financial Consultant and Investment Consultant at Fidelity Investments, Director of Operations at Performance Trust Investment Advisors, LLC, Senior Associate at Performance Trust Capital Partners, LLC, and Wholesaler at First Trust Portfolios L.P. Cynthia's extensive experience spans wealth planning, investment consulting, and operations management. Outside of her professional endeavors, Cynthia enjoys cooking and baking, participating in family activities, fitness, social events with friends, photography, and reading.

Bradley Gramm is a financial advisor with MassMutual Investors Services in Glen Allen, VA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at MassMutual and its affiliate MML Investors Services since 2005. Outside of advising, he is involved in managing a construction and renovations business and invests through a real estate venture. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes annual, collaborative planning relationships using analytical tools and offers a range of programs including educational seminars and specialized event-driven planning services.

Ali Khalifa is an Investment Consultant at Fidelity Investments, a position held since 2026. In this role, he collaborates with clients to create financial plans that employ strategies aimed at assisting them in meeting their financial priorities and goals. His work focuses on planning and implementation to develop personalized financial plans. Khalifa has extensive experience within the financial services industry, having held multiple roles at Fidelity Investments since 2022, including Planning Consultant and Relationship Manager. Prior to that, he worked as a Financial Services Representative at State Farm and served as a Personal Banker II at Wells Fargo Bank, N.A., from 2019 to 2021. He is proficient in Arabic, French, and Spanish. Outside of his professional work, Khalifa has interests in art, museums, music, outdoor adventures, reading, and social events with friends.

Jinette Chiappetta is a financial advisor with Cambridge Investment Research Advisors in Henrico, VA, holding Series 63 and Series 65 credentials and 13 years of industry experience. She has been with Cambridge Investment Research since 2015 and is also a Certified Public Accountant (CPA). In addition to her advisory role, she operates her own financial-related businesses. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals utilizing a variety of portfolio management strategies and platform arrangements.

Isaac Lucier is a financial advisor with Cetera who holds Series 63 and Series 65 certifications and has 10 years of industry experience. He has experience at Cetera Investment Services since 2019 and concurrently runs Richmond Translator LLC, a language services business. He is also active as a public notary and engages in buying and selling trading cards through Ragnarok Cards. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management and financial planning through a multi-manager platform with access to affiliated and third-party managers, supporting various investment strategies and program structures.

Jerald Moore Jr. is a CFP® and ChFC® with 38 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020 after 33 years with Ameriprise Financial Services, Inc. He is based in Mechanicsville, VA. Outside of advising, he is involved in a family-owned business, Carmel by the Lake, LLC, and operates Home Transition Specialists, LLC, which provides services related to real estate purchase, renovation, resale, rent, and transition. Ameriprise offers retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendations delivered through a centralized consulting team.

Maria Barysevich is a financial advisor at Ameriprise with one year of industry experience. She holds the Series 66 designation and has prior experience with Truist Investment Services and Wells Fargo Bank. 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.

Shannon Carter is a CFP® professional with 20 years of industry experience, currently associated with Cambridge Investment Research Advisors. She has been with Cambridge since 2014 and also operates Carter Advisory Services LLC, providing strategy and business finance consulting. Carter serves as a board member for The Owners Club at The Homestead Homeowners Association and works as a divorce planning specialist and expert witness. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing multiple custody platforms and a variety of portfolio strategies tailored to client objectives.

Appaiah Ballachanda is a Series 66-licensed financial advisor with 18 years of industry experience. He has been with LPL Financial since 2012, following prior roles at Claris Financial, LLC and Edward Jones. Outside of his advisory work, he is involved in educational and business ventures through Abacus Consortium, LLC and Abacus Educational Services, LLC. 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 investment management services, utilizing both proprietary research and third-party strategies across various account types.

Andrea Saunders is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo since 2016. Her prior experience includes a position at Davenport & Company LLC in 2002. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Sarah Neale is a financial advisor with Ameriprise in Chesterfield, VA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. She worked at Ameriprise Financial Services, Inc. from 2006 to 2018. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach and provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Harraj Sandhu is currently a Planning Consultant at Fidelity Investments, where he works collaboratively as part of a financial planning team. He focuses on helping clients transform complex financial decisions into clear and actionable strategies tailored to their individual goals and priorities. Harraj has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, providing him with a broad perspective on client needs and financial planning processes. His approach emphasizes careful listening, attention to detail, and proactive strategy coordination to develop adaptable financial plans. Outside of his professional responsibilities, Harraj has interests in board games, cooking and baking, fitness, movies, reading, and traveling.

John Koziol is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at ePlus Technology Inc, Kelly Services, and RM Lucas. 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 planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ethan Greene is a Planning Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to build meaningful, long-term relationships by understanding their unique personal and financial circumstances. By gaining insight into clients' values, priorities, and financial goals, he helps establish financial plans and review strategies to empower clients to pursue their goals with confidence and clarity. Prior to his current role, Ethan held positions at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a High Net Worth Service Associate from 2023 to 2024. Before joining Fidelity Investments, he worked as a Financial Professional at Equitable from 2020 to 2023. Outside of his professional career, Ethan's personal interests include food, social events with friends, music, outdoor adventures, and soccer.

Michael Lawston is a CFP® professional with 27 years of industry experience, currently serving as an advisor at Cetera since 2019. His prior experience includes roles at First Investors Advisory Services LLC and Fic. Outside of his advisory work, he is active in his community as an executive committee board member and vice president of the Goochland Chamber of Commerce, president of the James River Property Owners Association, and a youth athletics coach. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, employing a multi-manager platform that allows advisors to utilize affiliated and third-party managers across multiple program structures.

Troy Flinn is a financial advisor with LPL Financial in Glen Allen, VA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 35 years of industry experience and has previously worked with Kestra Advisory, Cambridge Investment Research, and Tower Square Securities. He also operates Alpha Wealth Advisors, LLC, which includes a third-party administration service and non-variable insurance offerings. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.