Kyle Watts is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding a Series 66 designation and having 10 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2015 and 2016, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including comprehensive financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Josh Martinez is a financial advisor at Ameriprise Financial Services, LLC with four years of industry experience. He holds a Series 66 designation and has worked exclusively with Ameriprise since 2020. Prior to his advisory role, he held positions at several universities and in retail. 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 advice focused on dependable income sources and tax-aware withdrawal strategies.

Malcolm Terrell is a financial advisor at Mass Mutual Investors Services with four years of industry experience. His prior roles include positions at Primerica Advisors and Guardian Life Insurance Company, along with nine years of service in the U.S. Navy. He is a Series 66 licensed professional and owns an investment-related LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools and collaborative planning processes.

Maureen Griffin is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding Series 63 and Series 66 credentials and over 20 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs with a focus on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques in its advisory process.

Joseph Komarnicki is a financial advisor at Cambridge Investment Research Advisors with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Latitude Advisors, LLC and GWN Securities Inc. In addition to his advisory role, he serves as an independent insurance agent and is president of Komarnicki Financial Group, which provides tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers a range of financial planning and investment management services, utilizing proprietary and third-party strategies with both discretionary and non-discretionary implementation options.

Buck Jones is a financial advisor with LPL Financial in Chesapeake, VA, holding Series 63 and Series 65 designations and 12 years of industry experience. He has previously worked at MML Investors Services, MassMutual Life Insurance Company, and Northwestern Mutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Rusty Woods is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His prior roles include Lincoln Financial Securities Corporation and Life of Virginia. Woods serves as president of the Hampton Bay Condo Association board. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base with financial planning, investment management, and retirement plan advisory services delivered through a network of independent Financial Professionals.

Garret Alcaraz is a financial advisor with Wells Fargo Clearing in Virginia Beach, VA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he serves on the finance committee of the Old Dominion University Education Foundation and is treasurer of the Tidewater Children’s Foundation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory 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.

Timothy Callahan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Matthew White is a financial advisor at Merrill in Virginia Beach, VA, holding a Series 66 designation with two years of industry experience. He has also served in the Army National Guard since 2014. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and monitoring through various program strategies and maintains close integration with Bank of America affiliates for trading and capital-markets support.

Ryan Nyboer is a financial advisor at Edward Jones with four years of industry experience. Before joining Edward Jones in 2022, he worked for Walmart for sixteen years. He holds a Series 66 designation and is based in Virginia Beach, VA. 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 and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tristan Peschka is a financial advisor with LPL Financial, holding a Series 66 designation and possessing seven years of industry experience. He previously worked at Ameriprise Financial Services and has experience related to Christopher Newport University. 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 variety of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms, supported by a large network of advisors and extensive technology tools.

Sandra Peters is a financial advisor at Raymond James & Associates with 23 years of industry experience. She holds a Series 66 designation and has been with Raymond James & Associates since 2011. Outside of her advisory role, she serves as a director of the 31Ocean Business Association in Virginia Beach, where she is involved in membership management and event organization. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and investment consulting with a range of portfolio management styles and provides municipal advisory services alongside market-making in municipal and government bonds.

Robert Yeh is a CFP® professional with over 32 years of experience in the financial services industry. He has been with Ameriprise since 2005, including its affiliated entities, and is currently based in Virginia Beach, VA. Ameriprise provides retirement-income planning services primarily to individuals with substantial investable assets, utilizing a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jody Otterson is a financial advisor with OSAIC, holding a Series 66 designation and bringing 12 years of industry experience. Prior to joining OSAIC in 2025, Otterson worked for Lincoln Financial Advisors Corporation for 11 years. Outside of advisory work, Otterson is involved as an insurance agent offering accident and health insurance, annuities, and life insurance, and is affiliated with Heritage Financial Consultants, LLC. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Michael Borza is a financial advisor with Raymond James & Associates in Virginia Beach, VA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously worked at Merrill and Bank of America, N.A. for nine years each. Borza serves as Chairman of the Board for Equi-Kids Therapeutic Riding Program, a charitable organization focused on therapeutic riding. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by extensive research and a range of portfolio management options.

William Dudley III is a CFP® professional with 24 years of industry experience, currently serving at Mass Mutual Investors Services since 2022. His prior experience includes roles at Guardian Life Insurance Co and Primerica Advisors. Outside of his advisory work, he is involved as a partner in Patriots Paths, LLC, an organization focused on placing veterans transitioning from military service into civilian employment, and serves as treasurer/partner of a barbecue trailer business called Feast with The Beast. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm employs structured, collaborative planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.

Xavier Davis is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Marriott, Great Eastern Resort Corporation, NYLIFE Securities LLC, New York Life, Dashmart, and Norfolk State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Sarah Peterson is a financial advisor with Raymond James & Associates, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing before joining Raymond James in 2020. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting through various programs and affiliated research resources.

Richard McMillan is a financial advisor with LPL Financial based in Virginia Beach, VA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. His prior roles include positions at Virginia Asset Group, Infinex Investments, Inc., and Bi Investments, LLC. He is also involved with McMillan Wealth Management Inc., a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions supported by proprietary research and technology tools.