Eric Froyen is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 32 years of industry experience, including 23 years at Metlife Securities Inc. and over 10 years affiliated with MassMutual. In addition to his advisory role, he is involved in individual life, disability, long-term care, and health insurance sales through First Financial Group. Mass Mutual 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, and educational seminars, using firm-approved analytical tools to develop collaborative, goal-based recommendations.

Sean Driscoll is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 65 designations and has been with Raymond James since 2006. He is also associated with Towne Bank. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored planning and consulting using risk profiling and modeling tools, supports municipal advisory work, and provides specialized retirement plan services.

Michael Keating is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in retirement income planning. He focuses on helping clients ensure their income remains sufficient to maintain dignity and independence throughout retirement. His approach emphasizes creating long-term financial strategies paired with disciplined adherence to those plans across varying market conditions. With more than 30 years of experience in the financial services industry, Michael began his career as an institutional broker with several Wall Street firms in New York City. He later worked as a financial consultant for individuals and contributed to starting a market making and equity trading desk at a boutique investment firm. Currently, he works closely with clients to address retirement income challenges and navigate financial implications of life transitions. Michael holds a Bachelor of Science degree in Finance from Boston College and is a Personal Investment Advisor (PIA). He is involved in the Boston College Alumni Association and has contributed to his community as a youth baseball and basketball coach in Williamsburg, VA. Outside of work, he enjoys fishing, golfing, music, traveling, and watching movies.

Zachary Allen is a Financial Advisor at Merrill Lynch Wealth Management. He works primarily with Gen X professionals, millennials, active-duty military members, veterans, and retirees, providing guidance tailored to their unique financial goals. Zachary focuses on areas including retirement planning and income strategies, financial planning, investment management, estate and legacy planning services, as well as wealth accumulation and preservation. He takes a holistic and personalized approach, emphasizing listening to clients to understand their goals and concerns. His professional philosophy centers on offering financial advice that is understandable and actionable, helping clients make confident decisions aligned with what matters most to them. Zachary holds the designation of Personal Investment Advisor (PIA). Zachary holds a Bachelor's Degree from Old Dominion University. Outside of his professional work, he enjoys cooking, playing soccer, and spending time with his family.

Larry Golub is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior work includes positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he is involved as an ambassador with AG1 Nutritionals, a retail and online store based in Carson City, Nevada. Morgan Stanley Wealth Management offers advisory services to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and advanced modeling tools, with a wide range of investment and planning programs.

Christina Michelson is a financial advisor at Edward Jones in Newport News, VA, holding a Series 66 designation with two years of industry experience. She previously worked at BayPort Credit Union for six years and Walgreens for three years. Outside of her advisory role, she owns Michelson Travel LLC, a travel agency based in Yorktown, VA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a widespread network of advisors and branch offices across the United States.

Garland Bowden is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with various Morgan Stanley entities since 1995, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, Bowden serves on the advisory board of the Stonebridge Education Foundation, focusing on demographic and at-risk scholarship issues. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutions. The firm offers structured financial planning and manages approximately $2.74 trillion in client assets.

Monica Harrison Church is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC in multiple periods since 2014. Outside of her advisory role, she works as a server at Brookse's Bar and Grill in Winfield, WV, and provides temporary employment services through United Talent in Hurricane, WV. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Susanne Robinson is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley, Bank of America, and Merrill. She is based in Newport News, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Bonnie Blaylock is a CFP® professional with 14 years of experience in financial advising. She is currently with Ameriprise and previously worked at Cetera and Langley Federal Credit Union. In addition to her advisory role, she is involved in independent insurance brokering focusing on whole life and fixed annuity products. Ameriprise provides retirement-income planning services primarily for clients with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cabell Birdsong is a financial advisor at OSAIC with 61 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Securities America Advisors, Inc. and SECURITIES AMERICA, Inc. for 12 years prior to joining OSAIC. OSAIC serves a broad range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services with a variety of portfolio management tools and access to third-party money managers and wrap programs.

Whitney Sigler is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2025, Sigler worked at Cetera Investment Advisors, LLC and Cetera Investment Services LLC, and has concurrent experience at Langley Federal Credit Union in a sales assistant role supporting financial advisors. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Robin Wilcox is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he advises on practice issues for Wilcox Eye Center, an eye care business owned by his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christopher Parker is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He previously worked at WB Jackson & Associates for ten years before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, a variety of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Ahmad Bahrami is a Financial Advisor at Merrill Lynch Wealth Management, specializing in customized retirement planning and investment management. He works with executives, business owners, and their families to develop comprehensive wealth management strategies, integrating areas such as wealth accumulation, retirement income, tax efficiency, estate and legacy planning, and business succession. Ahmad's approach begins with understanding each client's unique circumstances and goals before recommending tailored financial solutions. Ahmad's expertise covers a range of client focus areas including corporate executive services, divorce transition planning, services for endowments, foundations, and non-profits, as well as investment consulting for defined contribution and defined benefit plans. He holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ahmad earned an Associates in Business Management from Thomas Nelson Community College and is proficient in English and Farsi. Beyond his professional responsibilities, Ahmad is involved with Rotary International and St. Jude's Cancer Research Hospital. In his personal time, he enjoys cooking, hiking, soccer, traveling, and spending time with his family.

Mitchell Harry is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2016. Outside of his advisory role, he serves on the Finance Committee of the Alexander Graham Bell Association for the Deaf and Hard of Hearing. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process using approved tools and models, serving clients in both advisory and brokerage capacities.

Theodore Eckert is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. He receives trail commissions from Allianz Life Insurance unrelated to his advisory duties. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Michael Liby is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he served in the U.S. Military from 2016 to 2022 and has held roles in economic development and academia. He also serves as Co-Adjutant for the Sons of the American Legion, providing data analysis and computer support on a volunteer basis. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and institutional clients. The firm offers advisory programs through a network of representatives and leverages third-party asset managers and program sponsors for investment solutions.