Mark Shelby is a financial advisor at Vertical Wealth Management with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has worked in roles related to investment and tax advisory, including managing Radius Tax, LLC and coaching new investment advisors. In addition to his advisory work, he is a licensed insurance agent and provides fixed insurance sales. Vertical Wealth Management offers discretionary asset management, financial planning, retirement-plan advisory, and fee-based insurance consulting, serving individuals, high-net-worth clients, and retirement plans. The firm delegates trading to sub-advisors and uses a combination of fundamental, technical, and cyclical analysis to tailor portfolios, while also maintaining affiliated tax advisory and insurance services.

Mark Castonguay is a financial advisor with American Financial Planning, Inc. He holds a Series 66 designation and has eight years of industry experience. His prior work includes roles at Infinex Investments, Inc. and Virginia Asset Group. Outside of financial advising, he manages a bookkeeping and accounting business and serves as an administrative assistant for Congregation Zion's Sake. American Financial Planning, Inc. offers comprehensive financial planning and discretionary investment management to individuals, corporate pension plans, and charitable institutions. The firm employs diversified index strategies with selective active management and provides investment policy statements tailored to client preferences.

Alan Broderick is a CFP® professional with 24 years of industry experience, currently affiliated with Bay Rivers Group Wealth Partners in Williamsburg, VA. His previous roles include positions at Wells Fargo Advisors Financial Network LLC and Purshe Kaplan Sterling Investments. Outside of his advisory work, he is a partner in an affiliated tax preparation business and holds insurance agent roles related to both client insurance and Medicare Advantage products. Bay Rivers Group Wealth Partners provides investment advisory and financial planning services primarily to individual and high-net-worth clients. The firm employs a strategy combining fundamental, technical, cyclical, and modern portfolio theory approaches, offering discretionary portfolio management that includes mutual funds, ETFs, equities, fixed income, and insurance products.

Tracy Shackelford is a financial advisor at Tenzing Financial LLC with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bleakley Financial Group, LPL Financial, Private Advisor Group, and Northwestern Mutual Investment Company. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans, offering discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for about 165 clients and employs fundamental analysis to build model portfolios focused on long-term objectives.

Harold Philipsen is a CFP® and ChFC® with 19 years of experience in the financial services industry. He is currently with Tenzing Financial LLC and has previously worked at Bleakley Financial Group, LPL Financial, Private Advisor Group, and Northwestern Mutual Investment Management. Philipsen is also a licensed insurance agent in Williamsburg, Virginia. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans, offering discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for about 165 clients and employs fundamental analysis to build model portfolios aligned with long-term objectives.

Charles Lucy is a CFP® professional with 30 years of industry experience. He is currently with Bay Rivers Group Wealth Partners and has previously worked at Wells Fargo Advisors Financial Network LLC and Waterloo Capital. Outside of advisory work, he is a partner in a tax preparation business affiliated with his firm. Bay Rivers Group Wealth Partners provides investment advisory and financial planning services primarily to individual and high-net-worth clients, employing a range of strategies including discretionary portfolio management and the use of mutual funds, ETFs, equities, and fixed-income instruments. The firm also operates an affiliated tax preparation service and owns its office property through a related entity.

Robert Kohn is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He has worked at Northwestern Mutual Investment Management, LPL Financial, Private Advisor Group, and Bleakley Financial Group before joining Tenzing Financial LLC in 2025. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans by providing discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for around 165 clients and employs a fiduciary approach using fundamental analysis to build long-term focused model portfolios.

Dan Joss is a seasoned Financial Life Planning professional. Dan Joss is among a small force of Life Planners, less than 200 in the U.S. and only a few dozen in the mid-Atlantic area. Dan founded Joss Financial in 2015, and now, in 2020, has joined with Katherine Brown to create Joss Brown Wealth Advisors. Their shared vision and faith along with combined talents and experiences will further enhance their clients' Life Plans. Dan excels at asking poignant questions to determine what inspires and motivates his clients. These initial planning sessions will be introspective and challenging. Long-time clients give testimony that one must think deeply in terms of their own personal values and ask questions like: “If you had more time or money, what would you do?” “What do you want to accomplish or attain so you will feel that you’ve had a life well-lived?” “What moves, touches, or inspires you?” Dan’s approach to financial planning: "living what matters" was born of his own life experiences. Originally from S

Kenneth Mason is a financial advisor with Mason & Associates, LLC in Newport News, VA, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Mason & Associates since 2010 and previously spent 17 years at Centaurus Financial, Inc. Mason & Associates, LLC provides investment management and financial planning services to individuals, high-net-worth clients, and trusts. The firm employs diversified, risk-based model portfolios using mutual funds and ETFs and offers both discretionary and non-discretionary management, often utilizing independent sub-advisers while maintaining oversight. The firm also delivers educational seminars, particularly on federal employee retirement benefits, and coordinates tax services through third-party consultants.

Phillip Saunders is a Series 65 credentialed advisor at Joss Brown Wealth Advisors with four years of industry experience. He has worked with Joss Brown Wealth Advisors and its affiliated group since 2021. His prior roles include positions at Virginia Tech and Partners in Financial Planning, as well as involvement with the Virginia Future Farmers of America Association and Crossroads Camp. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers a combination of digital platforms, third-party managers, and personalized planning services.

Arcelia Wicker is a financial advisor at Bay Capital Advisors, LLC with three years of industry experience. She holds the ChFC® designation and the Series 65 license. Prior to joining Bay Capital Advisors, she served in the United States Navy for seven years. Bay Capital Advisors is a fee-only advisory firm serving individual and high-net-worth clients, as well as business and charitable entities. The firm employs a top-down macroeconomic and fundamental analysis approach combined with a core-satellite implementation, managing approximately $196 million across about 175 client relationships.

Meghan Hoover is a CFP® and holds a Series 65 license with one year of industry experience. She has worked at NovaPoint Capital LLC since 2025 and previously spent three years at The American College of Financial Services. Prior to her financial career, she served eight years with The 1st Capabilities Integration Group in the US Army. NovaPoint Capital LLC provides discretionary portfolio management and standalone financial planning to a range of clients including individuals, pension and profit-sharing plans, trusts, endowments, charitable organizations, corporate entities, and other investment advisers. The firm employs a dividend-growth equity strategy focused on publicly traded, dividend-paying companies and combines quantitative, fundamental, and technical analysis to construct typically 30–50 stock portfolios.

Simcha Terwilliger is a CFP® and holds a Series 65 license with eight years of industry experience. He is currently with SLP Wealth and has prior experience at Fox & Company Wealth Management and The Advisory Firm of Katherine L. Brown, LLC. Terwilliger also works as a student loan consultant, providing repayment and forgiveness planning for federal and private student loans. SLP Wealth is an SEC-registered advisory firm serving individual clients and small-business owners with discretionary investment management and financial planning. The firm uses diversified, risk-based portfolios primarily composed of no-load mutual funds and ETFs and offers additional services such as tax preparation and non-discretionary 401(k) plans.

Deven Joss is a CFP® professional with four years at Joss Brown Wealth Advisors and a total of two years in the financial industry. His prior work experience includes roles at several organizations such as Colonial Hills Golf Club and Liberty University. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, and charitable organizations with financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers a mix of discretionary and non-discretionary services using a variety of platforms and custodians.

Michelle Robinson is a financial advisor at Joss Brown Wealth Advisors with six years of industry experience. She holds the CFP® designation and Series 65 license. Prior to her current role, she served six years as a Hampton Commonwealth Attorney. Outside of financial advising, she owns and manages Xcelling Champion, LLC, an online tutoring and coaching business focused on preparing students for the CFP® exam. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers both discretionary and non-discretionary services through a combination of digital platforms and independent managers.

Mason & Associates is an independent, fee-only financial planning firm located in Newport News, Virginia. We provide ongoing comprehensive financial planning and tax planning advice to clients locally and throughout the United States. Our financial advisors specialize in providing financial planning advice to federal employees who are covered by the Federal Employee Retirement System (FERS) and Civil Service Retirement System (CSRS). The financial planning team helps federal employees maximize federal benefits and provides guidance in all areas of financial planning such as retirement planning, tax planning, and estate planning. Not a federal employee? No problem! We serve a variety of clients who have no ties to the federal government other than the taxes they pay. Our financial planning process and client experience allows us to serve families who are already retired or actively working. John leads Mason & Associates as President and Senior Financial Planner, bringing over 15 years of specialized expertise in federal employee financial planning. A CERTIFIED FINANCIAL PLANNER™ since 2012, John has built a reputation for delivering comprehensive, client-centered guidance across tax, retirement, and estate planning. John earned his Bachelor of Science in Business from Virginia Tech’s Pamplin School of Business, where he also completed his CFP® education requirement. He is an Investment Advisor Representative and maintains a Virginia Life and Health Consultant License. John is a member of the following professional organizations: •National Association of Personal Financial Advisors •XY Planning Network •Financial Planning Association As co-host of the Federal Employee Financial Planning Podcast, John has become a recognized voice in the federal benefits space. He is a sought-after speaker at industry conferences and educational events for federal employees, and his insights have been featured in leading publications. Outside the office, John and his wife, Sara, both Virginia Tech graduates, enjoy skiing, snowboarding, and exploring the outdoors in their camper. They’re proud parents to a young son who’s best friends with their golden retriever, Penny.

Elizabeth Turner is a ChFC® financial advisor with United Wealth Management, LLC in Williamsburg, VA, where she has worked for one year. She has experience as a self-employed consultant and advisor dating back to 2017. United Wealth Management provides discretionary portfolio management and financial planning services to individuals, trusts, estates, charitable organizations, corporations, and plan participants. The firm emphasizes fundamental analysis and long-term investment strategies, managing approximately $406.6 million across about 257 client relationships as of December 2025.

Michael Mason is a Certified Financial Planner™ (CFP®) and Chartered Financial Consultant® (ChFC®) with 39 years of experience in the financial services industry. He has been with Mason & Associates, LLC since 2010 and previously worked at Centaurus Financial, Inc. for 17 years. Mason leads a team of seven advisors based in Newport News, VA. Mason & Associates, LLC provides investment management and ongoing financial planning to individuals, high-net-worth clients, and trusts. The firm utilizes diversified, risk-based model portfolios primarily through mutual funds and ETFs, often collaborating with independent sub-advisers for portfolio management while retaining oversight. They also offer standalone services such as divorce planning, tax preparation facilitation, and educational seminars, including topics on federal employee retirement benefits.

Katherine Brown is a CFP® with 21 years of experience in financial advising. She currently works at Joss Brown Wealth Advisors, where she has been with the firm since 2020, following 15 years operating her own advisory firm. Outside of her advisory role, she is a 50% owner of Maison Brune Investments, LLC, a real estate investment business she manages with her spouse. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, and charitable organizations, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in regulatory assets and offers a combination of discretionary and non-discretionary services through multiple platforms and third-party managers.

Tommy is a graduate of Virginia Tech’s Pamplin School of Business, where he graduated magna cum laude with a Bachelor of Science in Business as a Finance major and completed the CERTIFIED FINANCIAL PLANNER™ (CFP®) education requirement. While pursuing his Bachelor’s degree, Tommy observed that taxation was integral in financial planning and decided to pursue a Master’s Degree in Accounting at Virginia Tech with a focus in taxation. Tommy is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Public Accountant (CPA). He also holds the Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA), as well as the Series 65 and the Virginia Life and Health Consultant Licenses. Tommy joined Mason & Associates in 2019 as a Senior Financial Planner, and earned a partnership position in 2020. Prior to joining Mason & Associates, Tommy was a Senior Financial Planner at a respected financial planning firm in Richmond, VA, and also has experience with a “Big 4” public accounting firm. Tommy’s primary responsibilities consist of working directly with Mason & Associates clients in all aspects of their financial plan, with a particular emphasis on the subjects of tax, retirement, and estate planning. Tommy a co-host of the Federal Employee Financial Planning Podcast. Tommy’s memberships and designations include: CERTIFIED FINANCIAL PLANNER™ (CFP®) Certified Public Accountant (CPA) Personal Financial Specialist (PFS) designation with the American Institute of Certified Public Accountants (AICPA) Life and Health Insurance Consultant License in Virginia Chairman and Past President of the Central Virginia Financial Planning Association (FPA) chapter Recognized by the Virginia Society of CPA’s as a Top 5 under 35 in 2018 Recognized by Investment News as 40 under 40 in 2018 Received 2017 Standing Ovation Award in Personal Financial Planning from the American Institute of Certified Public Accountants