James Cale III is a financial advisor at Morgan Stanley with 25 years of industry experience and holds the Series 66 designation. His prior work includes positions at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He is also a director at Cale Management LLC, a property management business based in Williamsburg, Virginia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary modeling techniques in its financial planning process.

James Wright is a financial advisor at Edward Jones in Newport News, VA, holding a Series 66 designation with 17 years of industry experience. He has been with Edward Jones throughout his career since 2009. Outside of his advisory role, Wright is involved in music royalties and CD sales through CD Baby. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Brandon Zenisek is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he held positions at City Wide and was self-employed, in addition to work in the wellness and retail sectors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a nationwide network of financial advisors and branch offices.

Kate Ryan is a Series 66 licensed financial advisor with nine years of industry experience, currently working at Merrill. She has been with Merrill since 2015, except for a one-year period of unemployment from 2021 to 2022. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Stephenson is a financial advisor with Primerica Advisors in Windsor, VA, holding Series 63 and Series 65 licenses and 39 years of industry experience. He has been associated with Primerica Advisors and Primerica Financial Services since 1987 and operated his own practice, James Russell Stephenson, since 1999. Outside of advisory work, he is a co-owner of MH Holland Farm, committing a small portion of his time monthly. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies managed by third parties and supports trading and custody through BNY Mellon Advisors and Pershing.

Andrew Bolling is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 27 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Towne Bank since 2004. He serves as a board member on the Finance and Audit Committees for Nansemond-Suffolk Academy, a local private school. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

John Crain is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2018. Prior to his career in finance, he spent 18 years at Smith Turf & Irrigation Co., LLC. Outside of advising, he occasionally provides disc jockey services for children’s and social events. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Charles Nuttycombe serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management in Newport News, VA, since 2012. In this role, he provides advice and guidance, developing and managing customized investment strategies for clients, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Charles focuses on a broad range of client needs including education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds a Bachelor’s Degree in Economics from Bridgewater College. Outside of work, Charles enjoys baseball, basketball, football, golfing, and spending time with his family.

Zachary Trafton is a Financial Advisor at Merrill Lynch Wealth Management, joining the firm in 2024. He began his career in the financial industry in 2020 as an Individual Financial Consultant for TIAA. Zachary focuses on a goals-based approach through financial modeling and portfolio construction to assist clients in achieving financial success through diversification and investment management. He holds a bachelor's degree in Finance and Business Economics from the University of South Carolina Darla Moore School of Business. Zachary has obtained the SIE, Series 7, and Series 66 FINRA registrations, holds Life and Health insurance licenses, and is a CERTIFIED FINANCIAL PLANNER® professional. His client focus areas include college education planning, family wealth management strategies, legacy planning, retirement planning, portfolio management, tax minimization, and small business strategies. Outside of his professional role, Zachary is involved in the Cape Henry Rotary and is affiliated with the YSC professional organization. His personal interests include chess, fishing, golfing, running, soccer, spending time with family, and surfing.

Gerald Willcox is a financial advisor with Wells Fargo Clearing in Norfolk, VA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. Prior to his current role, he spent seven years with Wells Fargo Advisors. Outside of his advisory work, he is also an Uber driver. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and adhering to diversification principles and modern portfolio theory.

Robert Stevens is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Cambridge since 2016. Stevens also works as an independent insurance agent for various insurance companies through his business, Stevens Asset Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management strategies and platform options.

Robert Mcmurran is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 14 years of industry experience. He has worked at Raymond James and Townebank since 2014 and operates Towne Wealth Management. In addition to his advisory role, he is a licensed attorney and the owner of AMR Real Estate Properties, LLC, where he serves as property manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Corey Watson is a financial advisor with Ameriprise Financial Services and holds the Series 63 and Series 66 designations. He has 16 years of industry experience, including prior roles at Cetera Investment Advisors and Langley Federal Credit Union, where he continues to work in a financial advisory capacity. Watson assists clients with needs analysis to help meet financial goals related to retirement, wealth accumulation, and preservation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Robert Byles is a financial advisor with Wells Fargo Clearing in Norfolk, VA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and A.G. Edwards & Sons, Inc. Outside his advisory work, he serves as Treasurer and Finance Committee Chairman for St. Bride's Church in Chesapeake, VA. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines in-house research with third-party analytics and offers both brokerage and advisory solutions across a broad range of financial products.

Mallory Lester is a financial advisor with LPL Financial in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at LPL Financial since 2017 and previously held positions with Nationwide Securities and Laufer Insurance and Financial Nationwide. Lester also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of investment programs and utilizes technology and a wide network of advisors to deliver customized financial solutions.

John Cavanagh is a financial advisor with Equitable Advisors in Norfolk, VA, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he owns and operates an online clothing business using a print-on-demand service. Equitable Advisors serves individual and institutional clients, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes a range of advisory models and third-party asset managers, providing services that include mutual funds, ETFs, separately managed accounts, alternative investments, and ERISA fiduciary support.

Richard Gulledge is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Newport News, VA, and has 12 years of industry experience. He has been with Wells Fargo Bank NA since 2014 and has worked in various capacities within the Wells Fargo organization, including Wells Fargo Advisors, LLC. Outside of his advisory role, he works as a delivery driver for Instacart and Walmart. 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 solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Alexandria Jones is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broader range of financial products than typical for large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Karen White is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 29 years of industry experience. She worked at Merrill Lynch for 30 years before joining Raymond James, where she has been since 2019. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a wide range of advisory programs, including municipal and public-finance services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Katherine Ferrazzara is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2017. Prior to her advisory career, she was employed in the hospitality industry at Chick's Oyster Bar. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research from its investment institute and third-party sources to offer brokerage and advisory solutions.