Carl Crespi is a financial advisor at Merrill in Norfolk, VA, holding a Series 66 designation. He has professional experience at Bank of America, Merrill, and several organizations in the sports and education sectors. 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, pensions, corporations, and charitable organizations.

Lisa Romano is a financial advisor with UBS Financial Services in Norfolk, VA, holding a Series 66 designation and 9 years of industry experience. She has been with UBS since 2008. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, delivering tailored strategies based on proprietary research and model-based asset allocations.

Roland Martin is a CFP® professional with 34 years of experience in the financial services industry. He has worked with OSAIC since 2024 and previously spent a decade at Securities America Advisors. Outside of his advisory role, he serves as a deacon at Riverbend Church and is a board member of the Charted Way Foundation, contributing financial planning expertise to the nonprofit. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a broad network of affiliated advisers. The firm offers integrated brokerage and advisory services with a variety of investment platforms and portfolio management options.

Santo Serafine is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2014 to 2016. Outside of advisory work, he serves as executor for his brother’s estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. 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.

Victoria Goldsberry is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Wells Fargo, she worked at Woodmen Financial Services and Woodmen of the World Life Insurance Society, among other roles in various sectors. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Elizabeth Wagner is a financial advisor with LPL Financial in Chesapeake, VA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. She has been with LPL Financial and its predecessor firm since 1996. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Michael Travis is a CFP® with 49 years of experience in the financial services industry. He has been with LPL Financial since 2019 and previously worked for United Planners' Financial Services of America as a limited partner for 28 years. He also operates Financial Designs of Virginia, which has been active since 1984. 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 programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

Lauren Overby is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 63 and Series 66 designations and has been with various Fidelity entities since 2016. Outside of her advisory role, she participates in the Amazon Vine Program, writing product reviews based on items she receives for free. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Andrea Scott is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of her advisory role, she serves as a trustee and conservator for her daughter. 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 advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Ryan Russo is a financial advisor with Wells Fargo Advisors in Chesapeake, VA, holding a Series 66 credential and 10 years of industry experience. His prior roles include positions at Steward Partners, Elan Wealth Management, Freedom Street Partners, Raymond James Financial Services, and Merrill Lynch. Outside of his advisory work, Russo is a board member of the Chesapeake Rotary Club, where he coordinates club operations. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of financial planning and investment services tailored to clients meeting specific net-worth requirements. The firm uses proprietary research and planning tools to develop client recommendations, with optional implementation through various brokerage and advisory programs.

Jim Hendricks is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized financial strategies aimed at achieving their short-, mid-, and long-term goals. He provides guidance on a range of financial matters including investing, retirement planning, and saving for unexpected expenses. Additionally, Jim facilitates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Jim specializes in helping clients manage complex financial priorities such as purchasing a home, funding college education, caring for elderly parents, and preparing for healthcare needs. He collaborates one-on-one with clients to define their goals and design portfolio strategies suited to their objectives. As clients' situations evolve, Jim offers ongoing advice to adjust their financial plans accordingly. He holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Kansas State University.

Diamond Melvin is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Wells Fargo Clearing, Melvin worked at Wells Fargo Bank and Geico. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Jessica Wyman is a financial advisor at Raymond James Financial Services Advisors, Inc. with 12 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Financial Security Advisory Inc. and Financial Security Management, Incorporated. Outside of her advisory role, she is involved as an advisor and distributor for Advocare International, a health and wellness products company. 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 emphasizes tailored, non-discretionary planning using analytical tools and supports various advisory programs across its extensive network.

Nathaniel Bethea is a financial advisor with Raymond James Financial holding a Series 66 credential and three years of industry experience. His prior roles include positions at Bank of America, Merrill, and Fulton Financial Advisors. He is also the owner of Romar Wealth, an independent contractor business supporting his work at Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting using analytical tools and supports its clients through various advisory programs and institutional consulting.

Jennifer Kantowski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 10 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and has been with Wells Fargo Bank NA since 2014. 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 approach 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.

Robert Hoeft is a financial advisor at UBS Financial Services with three years of industry experience. He holds a Series 66 designation and has worked previously at American Financial Network and MassMutual Commonwealth. Outside of his advisory role, Hoeft serves as a baseball instructor and head coach for youth teams at his family’s business, Grand Slam II, and is a Second Lieutenant in the U.S. Army Reserves, Signal Corps. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and provides additional capital markets and custody services.

Robert Nottingham is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he is a co-trustee for his father’s trust and has a minority ownership interest in a family farm used for timber and hunting. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Cheryl Donahue is a financial advisor at Merrill with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 1983. Outside of her advisory role, she also holds power of attorney for her spouse. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Julia Marina Villegas Hernandez is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, she held roles in various sectors including shipping, sales, solar energy, and education. She is also the owner of Papeleria by Villegas Ventures, an Etsy shop specializing in digital invitation templates. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for a wide range of clients, including individuals, high-net-worth clients, and institutions.

Austin Gammon is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. He has been in the financial industry since 2024, with prior experience at New York Life Insurance Company and Heritage Business Strategies, LLC. His background also includes roles in law enforcement and technology support. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.