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.

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.

Timothy Davis is a financial advisor at NetAdvizor Wealth LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at LPL Financial, Ritter, Virok, Lambert & Associates, and Ameriprise Financial Services. Outside of advisory work, he is involved in a bookkeeping and accounting firm focused on small businesses, where he directs sales and marketing efforts. NetAdvizor Wealth LLC provides portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs a combination of fundamental analysis, modern portfolio theory, and quantitative methods with a long-term trading focus, offering both discretionary and non-discretionary management.

Arthur Grizzle is a CFA® charterholder with eight years of industry experience. He is currently a financial advisor at Martello Retirement and Wealth, LLC and has held roles at Huntington Ingalls Industries and Vantage Consulting Group. Outside of his advisory work, he manages the pension plan’s alternative investment program at Huntington Ingalls Industries. Martello Retirement and Wealth serves individual and high-net-worth clients, focusing on those nearing or in retirement. The firm provides fee-only financial planning and portfolio management with a planning-first approach that integrates multiple aspects of clients’ financial lives and primarily uses passive ETFs alongside quantitative and proprietary strategies.

Mark Tekamp is a financial advisor at Heritage Wealth Management Group, Ltd in Norfolk, VA, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has been with Heritage Wealth Management Group since 2008. Heritage Wealth Management Group provides investment advice and financial planning to individuals, trusts, pension plans, banks, and other institutions, offering both discretionary and non-discretionary portfolio management alongside standalone or integrated planning and business-consulting services. The firm’s investment approach combines macroeconomic analysis, fundamental and technical methods, and quantitative indicators to guide asset allocation, utilizing a wider range of asset classes and implementation tools than many peers.

Stephen Burton is a financial advisor at Rauch Advisory LLC in Chesapeake, VA, holding a Series 65 designation with 10 years of industry experience. He has been with Rauch Advisory since 2015 and is also involved in multiple business ventures, including ownership of a marketing firm that assists business owners with growth and exit strategies. Rauch Advisory serves individual and high-net-worth clients, managing approximately 139 client relationships through its wrap fee program that utilizes third-party model strategies and ETFs. The firm provides discretionary asset management alongside non-discretionary financial planning and retirement consulting services, and it offers business-owner consulting and exit-planning services.

William Smith is a CFP® professional with two years of industry experience, currently serving at Wealthway Financial Advisors. He has worked at Wealthway Financial Advisors since 2020, with interim roles at LUX Wealth Planning and Henderson Financial Group. Wealthway Financial Advisors provides comprehensive financial planning and discretionary investment management to individuals, families, trusts, estates, charitable organizations, and select corporate and retirement plan clients. The firm employs a manager-of-managers approach based on Modern Portfolio Theory, constructing diversified portfolios with a focus on long-term holdings and quarterly reviews.

Rachel Wren is a financial advisor with Altura Wealth Advisors in Virginia Beach, VA, holding a Series 66 designation and 15 years of industry experience. Her prior roles include positions at Northwestern Mutual and The Opus Group. She is also a licensed insurance agent, dedicating part of her time to insurance sales and implementing insurance recommendations. Altura Wealth Advisors manages approximately $235 million for individuals, trusts, estates, businesses, and retirement plans. The firm uses model portfolios with ETFs and low-cost mutual funds, combining fundamental and cyclical analysis with Modern Portfolio Theory in a primarily long-term investment approach.

William Roach is a financial advisor at Dominion Capital Wealth Advisors in Norfolk, VA, holding the Series 66 designation with 24 years of industry experience. He has been with Dominion Capital Wealth Advisors and its affiliated broker-dealer, YR Securities, since 2014. Outside of his advisory role, Roach is involved as a member in multiple investment entities focused on syndicate tax credits. Dominion Capital Wealth Advisors provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, endowments, small businesses, and retirement plans. The firm employs a combination of asset-allocation frameworks and various analytical approaches to build diversified portfolios, managing both discretionary and non-discretionary accounts for approximately 109 clients.