Heather Miller Tokarz is a financial advisor with Ameriprise in Norfolk, VA, holding a Series 66 designation and 18 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she is involved in a food vending and employee training business and participates as a pollworker during elections. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering non-discretionary, research-driven recommendations that integrate tax-efficient strategies and income planning. The firm combines algorithmic tools with advisor oversight and offers a broad range of advisory, brokerage, and insurance solutions.

Robert Craun is a financial advisor at Edward Jones in Norfolk, VA, holding Series 63 and Series 66 designations with 24 years of industry experience. He has been with Edward Jones since 2011. 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 through a broad network of financial advisors and offers a range of discretionary and non-discretionary investment strategies, including tax-efficient services and affiliated mutual funds.

Mark Flores is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses and is based in Chesapeake, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Charles Spencer III is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Spencer holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and advanced modeling tools.

Christin Byrd is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for seven years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Jacob Ness is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, Northwestern Mutual, and Virginia Wesleyan University. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Frank Nickey is a financial advisor with Ameriprise in Newport News, VA, holding Series 63 and Series 66 licenses and 24 years of industry experience. His prior roles include positions at Cetera, CUSO Financial Services, and Wells Fargo Advisors. He also maintains an advisory role at Langley Federal Credit Union. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these recommendations, emphasizing the use of Ameriprise-managed accounts and algorithmic automation overseen by a dedicated team.

Stacy Ansama is a financial advisor with Raymond James Financial in Newport News, VA. She holds a Series 66 designation and has recent experience with multiple firms dating back to 2023, including Heyman Investment Group and Senex Law, PC. She also spent a decade affiliated with Hampton Roads Academy. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, pension plans, corporations, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using advanced modeling tools and supports a broad network of advisors and affiliated firms.

Irene O'Brien is a financial advisor at Edward Jones in Norfolk, VA, with 14 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Darien Mcdaniel II is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Wells Fargo Bank, Truist Bank, Stein Mart, and Dominion Homes of America. 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.

Richard Dipasquale is a ChFC®-designated financial advisor with 53 years of industry experience, currently serving at MassMutual Investors Services since 1994. He holds a Series 63 license and has a background in life and health insurance sales as an agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements utilizing firm-approved analytical tools and a range of investment and planning services.

Scott Mc Combs is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and six years of industry experience. He previously worked at MassMutual Greater Richmond and Hampden-Sydney College. Outside of his advisory role, Mc Combs engages in consulting and coaching. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing both proprietary and third-party investment strategies across multiple platform arrangements.

Jonathan Epler is a CERTIFIED FINANCIAL PLANNER™ professional with 11 years of industry experience. He has worked at Edward Jones since 2017 and previously at Ameriprise Financial Services from 2015 to 2017. He is based in Poquoson, 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 programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Navaneeth Saiprasad is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2019, previously holding roles at Bank of America, SunTrust, and Best Buy. 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.

Dawn Wheeler is a financial advisor with Mass Mutual Investors Services in Norfolk, VA, holding Series 63 and Series 65 credentials and nine years of industry experience. Her work history includes roles at MassMutual Life Insurance Co and MML Investor Services since 2016. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning without discretionary investment authority.

Sara Crain is a financial advisor at Edward Jones with the Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, she worked at Old Point National Bank for three years and was involved in the food service industry with Vinny's Pizza and Pasta and Rita's Italian Ice. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors, offering a range of advisory programs, investment strategies, and affiliated financial services.

Justin Morris is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 41 years of experience in the industry. He has been with Raymond James since 2016. Outside of his advisory role, he serves as an independent contractor supporting Hampton Roads Financial. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a broad client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Elijah Yurkin is a financial advisor with OSAIC, holding Series 65 and Series 63 designations and possessing 11 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. for a combined total of nine years. Outside of his advisory role, he serves as a budget committee member at Fox Hill Baptist Church. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through a large adviser network, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across a range of investment types.

Phillip Frix is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and 32 years of industry experience, all of which he has spent with Edward Jones. He serves as Vice President of Finance for the Isle of Wight Volunteer Rescue Squad, where he advises on financial matters. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jennifer Duncan is a financial advisor at Edward Jones with 23 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes positions at Merrill, Bank of America NA, and San Blas Securities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs, managed solutions, and affiliated investment products, supported by a large nationwide network of financial advisors and branches.