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.

Jesse Hampsher is a financial advisor with Primerica Advisors in Norfolk, VA. He holds Series 63 and Series 65 licenses and has one year of industry experience. Hampsher has served in the U.S. Navy since 2004. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, 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, delivering advisory services through model-based investment strategies managed by third-party asset managers.

Ryan Helm is a financial advisor with Edward Jones in Chesapeake, VA, holding Series 63 and Series 66 registrations and five years of industry experience. His prior roles include positions at Charles Schwab & Co., Wells Fargo, Prudential, New York Life, and Suntrust Bank. Outside of advising, he is involved in collecting, selling, and filming Pokémon cards. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

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 at LPL Financial with seven years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise Financial Services and Christopher Newport University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with support from LPL Research and third-party subadvisors.

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 in Virginia Beach, VA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He previously worked at Virginia Asset Group and Infinex Investments, Inc., spanning more than 30 years across both firms. McMillan is also associated with McMillan Wealth Management Inc. 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 range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Kevin Hirschfeld is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies aligned with their unique ambitions and priorities. His approach centers on the investor, focusing on understanding each client's life and goals to recommend appropriate solutions and monitor progress over time. Kevin's areas of expertise include college education planning, employee benefits planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from Old Dominion University and the Personal Investment Advisor (PIA) designation. Born and raised in Hampton Roads, Kevin resides there with his wife, Shelby, and their three children. Outside of his professional role, he is involved in the community through the Ocean Park Volunteer Rescue Squad. His personal interests include baseball, basketball, boating, yoga, traveling, and spending time with his family.

Abby Winn is a financial advisor at Edward Jones with eight years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2017, with prior work experience at Heartland Dental and Hot Tuna Bar and Restaurant. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Ronald Furnish is a financial advisor with Raymond James Financial in Virginia Beach, VA, holding Series 63, Series 65, and Series 66 licenses and bringing 32 years of industry experience. He has worked with Raymond James Financial Services since 2005 and TowneBank since 2011. 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 consulting and supports institutional consulting and portfolio management across a large advisor network.

Donald Hannahs is a CFP® professional with 39 years of industry experience, currently affiliated with OSAIC in Virginia Beach, VA since 2025. His prior experience includes roles at Lincoln Financial Advisors Corporation, LPL Financial, and Wealth Enhancement Advisory Services, among others. Outside of his advisory role, he teaches adult education courses at the Virginia Beach Public School Adult Learning Center. OSAIC serves a diverse client base, including retail and institutional investors, offering a range of brokerage and investment advisory services such as financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios across multiple asset classes on discretionary or non-discretionary terms.

Michael Barclift is a financial advisor at LPL Financial with 22 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Charles Schwab, Waddell & Reed, and various insurance carriers. Barclift has been involved with community organizations such as the Norfolk Police Foundation and the Portsmouth Boat Club. 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 range of advisory programs and financial planning services supported by research and diverse investment strategies.