Michael Lawston is a CFP® professional with 27 years of industry experience, currently serving as an advisor at Cetera since 2019. His prior experience includes roles at First Investors Advisory Services LLC and Fic. Outside of his advisory work, he is active in his community as an executive committee board member and vice president of the Goochland Chamber of Commerce, president of the James River Property Owners Association, and a youth athletics coach. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services, employing a multi-manager platform that allows advisors to utilize affiliated and third-party managers across multiple program structures.

Justin Williams is a financial advisor at Edward Jones in Rockville, VA, holding the CFP®, ChFC®, and Series 66 designations with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory strategies and maintains a large network of advisors and branch offices across the United States.

Steve Nagy is a Vice President and Executive Planning Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 1999, progressing through several positions including Wealth Planning Consultant, Relationship Officer, Retirement Income Planner, and roles in Stock Plan Services and Service and Trading. Prior to joining Fidelity, he worked in Investor Information at Scudder Kemper Investments. Throughout his career, Steve has developed expertise in financial planning and client relationship management, focusing on understanding each client's unique financial goals and developing tailored strategies to work toward them. He holds a California Insurance License. Outside of his professional life, Steve has personal interests that include baseball, beach activities, fitness, golf, pets, and running.

Marc Anthony Richardson is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Blue Ridge Bank, LPL Financial, Fidelity Investments, Wells Fargo, Edward Jones, and Merrill. Richardson is also an adjunct professor at Virginia Commonwealth University and the owner of a food manufacturing and distribution business, Bush Doctor Foods LLC. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser and provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements and a range of investment programs and educational seminars.

David Drullard is a financial advisor with LPL Financial in Montpelier, VA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. His prior roles include positions at Wells Fargo Clearing, RBC Capital Markets, and Advest, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, with a broad platform that includes model portfolios, third-party asset management, and institutional solutions.

Kevin Kelly is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Cetera Investment Services LLC since 2019 and is also affiliated with WEALTH CYCLE ADVISORS, LLC. Outside of his financial career, he has experience working at The Country Club of Virginia and in the restaurant industry. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors, offering a range of portfolio management and retirement services. The firm operates a multi-manager platform allowing advisors to implement various investment strategies across multiple program structures and custodial relationships.

Kevin Doyle is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Primis Bank, Virginia Asset Group, Infinex Investments, Capitol Securities Management, and SunTrust Advisory Services. Outside of his advisory role, he is involved with Virginia Insurance Agency Solutions, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

Travis Paull is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has held roles at several firms, including PFS Investments Inc and Primerica Financial Services, and has been at Cetera since 2022. Outside of advising, he owns and operates Eagle Vision Strategy LLC, a company providing bookkeeping and payroll services for small businesses, and teaches drum lessons through his business, Williamsburg Percussion. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

James Schreiber is a financial advisor at MassMutual Investors Services with 16 years of industry experience. He holds the ChFC® designation and Securities Series 63 and 66 licenses. Schreiber has worked at MassMutual Life Insurance Company and MassMutual Investors Services since 2009. Outside of his advisory role, he serves as a volunteer board member for The Steward School Alumni Board and assists his spouse with the financial aspects of her antiques business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved tools and various investment and planning programs.

Debra Bruce is a financial advisor at Cetera with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including AXA Advisors, LLC and EXL. Outside of her advisory work, she is a notary public. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to both affiliated and third-party model portfolios.

Philip Conjerti is a financial advisor at Mass Mutual Investors Services with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Primerica Financial Services and OneAmerica Securities. Conjerti operates a financial business focused on environmental and socially friendly investing strategies under the name Organic Wealth Management. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, emphasizing collaborative planning processes and offering specialized services such as divorce planning and estate-settlement support.

Courtney Coombs is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 20 years of industry experience, including a 19-year tenure at Ameriprise Financial Services and prior roles at Edward Jones, National Life Group, and Equity Services Inc. She is involved in insurance activities through Cornerstone Advisor Group LLC and offers alternative products via King Brokerage of Virginia LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, with a focus on collaborative, goal-driven planning engagements.

Sharron Ross is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has worked at Cetera and Cetera Investment Services LLC since 2019 and previously spent nine years at Fic. Outside of her advisory role, she volunteers at Crutchfield Farms, a family farm. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and various investment programs.

Artis Garrett is a financial advisor with Mass Mutual Investors Services in Glen Allen, VA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior work includes roles at OneAmerica Securities, American United Life, and MSI Financial Services. Outside of finance, he owns Nightskool Entertainment LLC, a music label focused on developing and promoting artists, and he is also an author. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative client engagements and event-driven planning services.

Ryan Goss is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. He holds a Series 66 designation and previously worked at TIAA and TD Ameritrade. Mass Mutual Investors Services is a subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers through collaborative, annual planning engagements.

Louis Belinkie is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Mass Mutual Investors Services since 1984 and has worked with MassMutual Life Insurance Company since 1981. Outside of his advisory role, he is also an agent involved in individual and group life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars with an emphasis on collaborative, goal-based planning.

Chad Lehr is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He previously worked at MML Investor Services, LLC and Massachusetts Mutual Life Insurance Co for 11 years before joining Cetera. Outside of his advisory role, he owns chadlehr.com and continues to renew existing life, health, disability, and long-term care insurance business on a limited basis. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment programs and access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Kenneth W. Janes is a financial advisor with UBS Financial Services in Ashland, VA, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2007. Janes serves on the Board of Directors for the Hanover Chamber of Commerce and held a one-year term as Past President starting in 2019. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Gabriel Tufaro is a financial advisor at Mass Mutual Investors Services with Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions with MassMutual Life Insurance Company, the Virginia Department of Veteran Services, and the Virginia Military Institute. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services using firm-approved software and offers event-driven planning programs such as divorce and estate settlement planning.

Mary Ashby is a financial advisor with Primerica Advisors in Ashland, VA, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1997. Outside of her advisory role, she owns Your Money GPS, LLC, a business formed to support her Primerica activities. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with thousands of advisors and offices, delivering model-driven investment strategies supported by third-party managers and custodians.