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.

Caleb Snider is a Series 66 credentialed financial advisor with LPL Financial, based in Waynesboro, VA, and has two years of industry experience. His prior roles include positions at First Bank & Trust Company and Strategent Financial. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and various operational tools.

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.

John Jertson is a financial advisor with UBS Financial Services in Charlottesville, VA, holding a Series 66 designation and bringing two years of industry experience. Prior to joining UBS in 2024, he worked at TradeCentric and Scalable Software for a combined 11 years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through proprietary research, model-based asset allocations, and comprehensive capital markets services.

Michael White is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Pamela Friedman is a financial advisor at Merrill with 43 years of industry experience. She holds a Series 63 designation and has worked at Merrill since 1984 and Bank of America, N.A. since 2011. Outside of her advisory role, she is a limited partner and 50% owner of an LLC that holds undeveloped property in Charlottesville, Virginia. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Albert Kwon is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include work with the Boys and Girls Clubs of Central Virginia and University of Virginia research projects. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Sam Shaw is a financial advisor with Edward Jones in Waynesboro, VA, holding Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Farmers and Merchants Bank/Infinex Investments, Shaw Financial Protection LLC, and National Agents Alliance. Shaw has additional business activities associated with Mutual of Omaha and Foresters Financial. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,000 advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Dalton Campbell is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. He has worked at multiple financial services firms, including OneAmerica Securities and American United Life. Campbell is also involved in entrepreneurial ventures outside traditional advisory roles, including ownership of Campbell Financial LLC and participation in small business service referrals. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary account management.

Jonah Cowherd is an advisor at LPL Financial with Series 63 and Series 65 licenses. He has held roles at AutoZone Inc., Blue Ridge Community College, Hunt & Associate, LLC, and Ridgeview Christian School. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, institutions, and banks. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and operational tools.

Timothy Morris is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Company, Union Bank & Trust, Union Wealth Management, and Raymond James Financial Services. 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 a range of advisory and brokerage services, including financial planning and access to model portfolios, with a focus on combining scale and diverse financial activities alongside its advisory platform.