Andrew Hook is a CFP® with 21 years of experience in the financial services industry. He is the managing member of Hook Law Center, P.C., an elder-law practice, and has led Hook Financial Services, LLC since 2004. Hook Financial Services provides advisory referral services, financial planning, and consulting to individual clients, focusing on long-term strategies and asset allocation consistent with modern portfolio theory. The firm does not manage client assets directly but assists clients in selecting and monitoring independent registered investment advisers.

Mary Tomlin is a CFP® certificant with 18 years of experience in the financial services industry. She has been the principal at Tomlin Financial Advisors, Inc. since 2010 and has prior experience with Bessemer Investor Services, Inc. since 2003. Tomlin Financial Advisors, Inc. serves individuals, families, and trusts by providing financial planning and investment advisory services, including retirement, education, tax, and estate reviews. The firm employs a strategic asset allocation process tailored to client risk tolerance and time horizon, managing portfolios primarily with mutual funds and ETFs on a discretionary basis.

Troy Toner is the sole advisor at Toner Asset Management Group, Inc., an independent firm based in Virginia Beach, VA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, including over two decades leading his own firm. In addition to his advisory role, he serves as a consultant and interim chief financial officer for Magna Imperio Systems, a water treatment solutions company. Toner Asset Management Group serves a select group of individuals, families, trusts, estates, charitable organizations, and business entities, providing investment supervisory services, financial planning, and family office support. The firm offers discretionary portfolio management with a tailored approach that includes institutional-style services and a range of investment strategies.

Zoe Giannotti is a financial advisor at Sandpiper Capital, LLC with five years of industry experience. She holds a Series 65 designation and has worked at Pearson Education since 2008. Sandpiper Capital is a fee-only investment adviser managing approximately $20.2 million in discretionary client assets. The firm serves individual and charitable clients using model asset-allocation portfolios based on Modern Portfolio Theory, emphasizing risk management and diversified exposure across markets and strategies.

Steven Winter is a financial advisor at Edgewater Asset Management in Virginia Beach, VA, holding Series 63 and Series 65 designations with 22 years of industry experience. He has been with Edgewater Asset Management since 1996. Edgewater Asset Management serves a limited clientele of individuals, families, trusts, and corporations with personalized portfolio management and consulting services. The firm operates as a fee-only fiduciary, emphasizing a top-down economic investment approach with active sector allocation and tailored advice based on client objectives and tax considerations.

Arie Korving is a CFP® with over 31 years of experience in the financial industry. He is currently a principal at Courage Korving Miller Partners, LLC, where he has worked since 2022, and previously operated Korving & Company LLC since 2010. Courage Korving Miller Partners, LLC provides discretionary and non-discretionary investment advisory services, financial planning, and retirement plan consulting to individuals, charitable organizations, and pension and profit-sharing plans. The firm customizes portfolios using a variety of investment strategies and analytical methods, and offers ongoing monitoring and reporting while generally recommending Schwab or Fidelity as custodians.

Brian Royal is a financial advisor at Royal Wealth Management in Chesapeake, VA, holding a Series 66 designation with 21 years of industry experience. He has been involved with Royal Wealth Management and its affiliated entities since 2008, including serving as Vice-President of Royal Wealth Insurance Agency Inc., where he is a licensed insurance agent. Royal Wealth Management serves individual and high-net-worth clients, as well as retirement plans, trusts, estates, and business entities. The firm combines strategic and tactical investment management with goals-based planning and offers a range of services including discretionary portfolio management, retirement benefits consulting, and insurance product distribution.

Ralph Courage is a CFP® with 34 years of industry experience, currently serving as an advisor at Courage Miller Partners LLC. He has worked at Courage Miller Partners since 2008 and at Courage Korving Miller Partners since 2022. Courage Miller Partners LLC provides investment management, retirement plan consulting, and financial planning services to individuals, charitable organizations, corporations, and retirement plans. The firm manages approximately $419 million in client assets and offers tailored portfolio strategies using a combination of fundamental, technical, and cyclical analysis.

Cody Hawkins is a CFP® and holds a Series 66 license with six years of experience in the financial services industry. He currently works at PeaceLink Financial Planning and previously held roles at Wealthway Financial Advisors and Corebridge/VALIC Financial Advisors. Outside of finance, he has experience working in education and at the Explore More Discovery Museum. PeaceLink Financial Planning serves individual and high-net-worth clients, employer plan sponsors, and family offices with comprehensive financial planning and investment management. The firm uses both passive and active investment strategies guided by Modern Portfolio Theory and integrates multiple planning topics including cash flow, tax, estate, insurance, and retirement considerations.

Andrew Meredith is a financial advisor at Tyton Wealth with a Series 65 designation and two years of industry experience. He has held roles at Meredith Consulting KK and Tyton Capital Advisors prior to his current position. Outside of advising, Meredith is the owner and CEO of Global Admin Services LTD, a management consulting firm serving foreign companies in the non-U.S. domiciled insurance industry. Tyton Wealth Management provides discretionary portfolio management and investment planning primarily to individual and high-net-worth clients, employing a mix of cyclical, fundamental, and technical analysis alongside modern portfolio theory. The firm manages approximately $28.5 million in assets and utilizes ETF-based portfolios as well as a range of other securities, implementing both long-term and higher-risk strategies on a discretionary basis.

William Zak is a CFA® charterholder and holds a Series 65 license with 18 years of industry experience. He has been with Zak Investment Management Company, LLC since 2007. Zak Investment Management provides discretionary investment management to individuals, high-net-worth clients, trusts, estates, foundations, and charitable organizations on a fee-only basis. The firm manages portfolios across various asset classes, including individual equities, fixed income, mutual funds, and exchange-traded products, and is notable for its willingness to negotiate performance-based fee arrangements and maintain a small, concentrated client roster.

Frank Tehel is a CFP® with 44 years of industry experience, currently serving at October Effect Ltd. He has held positions at firms including Gradient Securities LLC and Cranvick Incorporated, and manages several business ventures related to tax preparation and network marketing. Tehel has owned and operated multiple entities since the early 1980s, including a sole proprietorship focused on insurance sales and tax services. October Effect Ltd. provides discretionary asset management, financial planning, and retirement-plan advisory services to individuals, high-net-worth clients, and qualified plans. The firm employs a tailored investment approach incorporating asset allocation, technical analysis, and both long- and short-term trading strategies, including the use of leverage and derivatives.

Scott Saal is a CFP® professional with 16 years of industry experience, currently serving at Virginia Wealth Management Group, Inc. since 2021. He previously worked at Wells Fargo Advisors Financial Network LLC for 12 years. Saal is a 50% owner and manager of VWMG Partners, LLC, a trading strategy testing business. Virginia Wealth Management Group provides investment management, financial planning, and fiduciary services to individuals, high-net-worth clients, trusts, businesses, and other entities. The firm employs a risk-adjusted, tax-aware approach combining active and passive strategies across multiple asset classes and integrates financial planning outcomes into portfolio design and manager selection.

Wade Williard is a financial advisor at Virginia Wealth Management Group, Inc. with four years of industry experience. He holds a Series 65 designation and has worked in various roles including previous positions outside the financial industry. Virginia Wealth Management Group provides investment management, financial planning, and fiduciary services to individuals, high-net-worth clients, trusts, businesses, and other entities. The firm uses a mix of active and passive strategies to construct risk-adjusted, tax-aware portfolios and integrates financial planning outcomes into portfolio design and manager selection.

Ella Bourne is a financial advisor with Courage Korving Miller Partners, LLC, holding a Series 66 designation and 19 years of industry experience. She has worked at Korving & Company LLC since 2010 and joined Courage Korving Miller Partners in 2022. Courage Korving Miller Partners provides discretionary and non-discretionary investment advisory services, financial planning, and retirement plan consulting to individuals, charitable organizations, and pension and profit-sharing plans. The firm tailors portfolios using a range of investment strategies and typically recommends Schwab or Fidelity as custodians while offering ongoing monitoring and reporting.

Matthew Umlauf is a financial advisor with Forefront Asset Management, LLC, holding a Series 65 designation and nine years of industry experience. He has been with Forefront since 2016. In addition to his advisory role, Mr. Umlauf is a professional musician and a member of the Virginia Symphony Orchestra, where he maintains an active concert schedule. Forefront Asset Management provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers holistic planning and employs a mix of fundamental and technical analysis to create individualized investment plans.

Scott Alperin is a CFP® and Series 65-licensed financial advisor with four years of industry experience. He is the principal of Alperin Financial Solutions, LLC and has prior experience with infinex Investments, Inc. In addition to his advisory role, he serves as an estate attorney at Alperin Law PLLC and is the sole member of Vested Title of Virginia, LLC, a title insurance agency. Alperin Financial Solutions provides investment advisory services to individuals, including high net worth clients, and corporate clients. The firm offers portfolio management, financial planning, and consulting services, combining discretionary and non-discretionary arrangements across a broad range of investment options and analytical approaches.

David Kenerson III is a financial advisor at Virginia Global Asset Management, LLC, holding a Series 65 credential and beginning his advisory career in 2025. Prior to joining the advisory field, he spent 17 years at Hanover Research. Virginia Global Asset Management is a small firm with two advisors that manages discretionary and non-discretionary portfolios, financial planning, and trust and retirement services for individual and institutional clients. The firm employs a combination of top-down macro analysis and bottom-up fundamental research with a contrarian approach, focusing on concentrated sector exposure and multi-year holding periods.

Heinz Koch is a financial advisor at Courage Miller Partners, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Courage Miller Partners since 2013, including a role at Courage Korving Miller Partners since 2022. Courage Miller Partners provides discretionary and non-discretionary investment management, retirement plan consulting, and financial planning to individuals, charitable organizations, corporations, and retirement plans. The firm serves around 218 clients with three advisors and manages approximately $419 million in client assets, tailoring portfolios using fundamental, technical, charting, and cyclical analysis.

Claude Royal is a financial advisor at Royal Wealth Management with 18 years of industry experience. He holds a Series 65 credential and has previously worked at Wealthdrive, Inc., Ace Capital, and Royal Wealth Insurance Agency, Inc. In addition to his advisory work, he has been involved in modern home construction since 1982. Royal Wealth Management serves individual and high-net-worth clients as well as retirement plans, trusts, estates, and business entities. The firm manages approximately $36.45 million for around 124 clients and offers portfolio management, financial planning, retirement benefits consulting, and insurance products through an affiliated agency.