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.

John Maser is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2023. His prior experience includes roles at Wells Fargo Clearing and Davenport & Company LLC. Outside of his advisory work, he is the author of a book titled *How to Surf: The Complete Guide* and creates musical arrangements available for sale. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options that include cash-flow, retirement, and niche areas such as business-owner transition and special-needs planning. Advisors use proprietary research and planning tools to develop recommendations delivered through client meetings and written summaries.

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 63 and Series 65 designations and 11 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. for a combined 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 plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs a range of asset-allocation tools and third-party service providers to manage portfolios across various 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.

Raymond Defrank is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. He serves on the investment review committee of the Bishop Sullivan Catholic High School Foundation in Virginia Beach. 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 investment process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its offerings.

Jacquelyn King is a Series 66 licensed financial advisor with eight years of industry experience. She is currently affiliated with Raymond James Financial Services Inc. and Hampton Roads Financial LLC in Suffolk, VA, where she also provides administrative support. Prior to this, she worked at Thrivent Financial for five years. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, corporations, and institutional clients. The firm utilizes risk profiling and analytical tools to provide tailored non-discretionary planning and investment consulting.

Hannah Weaver is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Cambridge Investment Research, Lincoln Financial Securities, and Integrity Financial Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and Corporate Financial Planning agreements.

Khyleena Kerr is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. She has been with Wells Fargo in various roles since 2017, including positions at Wells Fargo Bank and Wells Fargo Clearing. Prior to her financial services career, she worked for Bubba's Seafood Restaurant and Crabhouse. 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 both brokerage and advisory solutions.

Christopher Coffing is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Norfolk, Virginia. He has been serving clients in this capacity since 1984, focusing on customized wealth management strategies, equity markets, and money management. As a qualified Portfolio Manager, he constructs and oversees personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party strategies. His services extend to managing portfolios on a discretionary basis through the firm's Investment Advisory Program, with an emphasis on addressing the financial needs of high net worth individuals and families by considering factors such as risk tolerance, time horizon, liquidity requirements, and overall investment objectives. Mr. Coffing holds a Bachelor of Science degree from Xavier University and a Master of Science degree from Old Dominion University. He maintains FINRA Series 7, 63, and 65 registrations, as well as a Life and Health insurance license. Additionally, he has completed business coursework in management, finance, accounting, and economics, including programs at the Wharton School of the University of Pennsylvania and executive education at the Graduate Schools of Business at the University of Chicago and Harvard University. In his personal life, Christopher Coffing is married to Julie, and they have two sons who graduated from the University of Virginia. He is a grandfather as of 2016. His community involvement includes membership in the Norfolk Yacht & Country Club and serving as Chairperson of the Strategic Planning Committee for the Virginia Opera.

Tanya Merchant is a Senior Financial Advisor at Merrill Lynch Wealth Management and a Personal Investment Advisor (PIA). She joined the financial services industry in 2005, beginning her career as a trainee at Merrill, where she held roles in operations and analysis. Since 2016, Tanya has served as a financial advisor at Morgan Stanley before joining The AHM Wealth Management Group in Virginia Beach. Tanya's expertise includes college education planning, family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, managing new wealth, personal retirement planning, philanthropic planning, socially responsible and values-based investing, and women and wealth. Her approach to wealth management is collaborative and holistic, designed to understand clients' unique priorities and financial situations to help them plan for their retirement and broader financial goals. She holds a Bachelor of Arts degree in Economics with a specialization in Finance from the University of Virginia. Tanya is actively involved in community and professional organizations including the Filipino-American Community Action Group, the Foodbank of Southeast Virginia, Forging Youth Resilience (formerly Steve's Club Denver), the Filipino American Chamber of Commerce of Virginia, and the Virginia Beach Chorale. Beyond her professional pursuits, she enjoys adventure sports, boxing, camping, cooking, drawing/sketching, hiking, music, singing, traveling, and spending time with her family.

Michelle Grimsley is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and is based in Norfolk, VA. Michelle has been with Edward Jones since 2012 in various capacities. 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 and offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Ashley Reeves is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at Wells Fargo Clearing from 2017 to 2021 and Valic Financial Advisors from 2015 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services directly to individuals as well as through corporate financial planning agreements.

Katelin Shield is a financial advisor with UBS Financial Services in Norfolk, VA, holding a Series 66 designation and 16 years of industry experience. She has been with UBS since 2010. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Diane Biegler is a financial advisor with Primerica Advisors in Hampton, VA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. She has been with Primerica Advisors since 1995 and Primerica Financial Services since 1993. Outside of her advisory role, she is involved in referral activities for home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers for portfolio implementation and operates a tiered wrap-fee structure.

Patrick Everett is a financial advisor with Ameriprise in Hampton, VA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Ameriprise and its affiliates since 1997. Outside of his advisory role, he owns a tax preparation business, serves on the House Facility Board for Beta Theta Pi at The College of William and Mary, and volunteers with the Peake Childhood Center nonprofit. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations through a centralized consulting team.

Joseph Clayton is a financial advisor with Morgan Stanley Wealth Management in Newport News, VA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he performs as a musician in a band that plays Jimmy Buffett songs and similar genres. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Michael Rapay is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and six years of industry experience. His career includes roles at JPMorgan Chase Bank, Bank of America, and Merrill. He is a member of the Hampton Roads Estate Planning Council, a local network of professionals focused on estate planning. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Katy Hampton is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.