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 at Wells Fargo Clearing with 17 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He also works as a part-time Uber driver outside of his advisory role. 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 supported by research from Wells Fargo Investment Institute.

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, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as Treasurer and Finance Committee Chairman for St. Bride's Church in Chesapeake, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment choices, including insurance-related products and bank deposit sweep options.

Mallory Lester is a financial advisor with LPL Financial based in Newport News, VA, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. Prior to joining LPL Financial in 2017, she worked at Nationwide Securities LLC and Laufer Insurance and Financial Nationwide. She also serves as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party providers.

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, including time under its predecessor AXA Advisors. In addition to his advisory role, he operates an online clothing business using a print-on-demand service. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party asset managers.

Tin Nguyen is a Series 66-credentialed financial advisor with three years of industry experience, currently affiliated with J.P. Morgan Securities in Virginia Beach, VA. His prior work includes roles at Merrill, Bank of America, Wells Fargo, and experience in the U.S. Army Reserves from 2009 to 2018. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within a broad broker-dealer and banking organization.

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.

Marc Hines is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as the treasurer for the Virginia Beach Audubon Society. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Katherine Ferrazzara is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously spent two years with Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Christy Gleason is a financial advisor at UBS Financial Services with eight years of experience at the firm and an additional eight years at MassMutual Financial Services. She holds a Series 66 designation. Based in Norfolk, VA, she has been active in the financial industry for a total of 16 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans according to goals and risk tolerances.

Christina Austin is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 credential and has been affiliated with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its financial planning process.

Adam Marr is a CFP® with 18 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Marr holds a CPA license and serves as a trustee and executor for his father's estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Justin Steil is a financial advisor at UBS Financial Services with 10 years of industry experience. He has been with UBS since 2015 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Dawn Burke is a financial advisor at Merrill with 17 years of industry experience. She holds a Series 66 designation and has worked previously at RBC Capital Markets, Wells Fargo Clearing Services, and Morgan Stanley. Outside of her advisory role, Dawn serves on the foundation board of Westminster Presbyterian Church in Alexandria, Virginia. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Richard Bagley III is a financial advisor with Wells Fargo Clearing in Newport News, VA, holding a Series 66 designation and nine years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked with the Hampton Roads Academy Athletic Department. Outside of his advisory role, he serves as Treasurer for the Peninsula Sports Club, where he participates in meetings and oversees athletic scholarship discussions and cash flow management. 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 employs research and analytics to evaluate investment options and offers a combination of brokerage and advisory solutions.

Zachary Lampert is a financial advisor with Mass Mutual Investors Services in Norfolk, VA, holding a Series 66 designation and over 20 years of industry experience. He has been with Mass Mutual Investors Services since 2006 and with Mass Mutual Financial Group since 2005. Outside of his advisory role, he owns a timing equipment and track meet management software business and serves on the board of a local charitable organization supporting employment and day services for disabled individuals. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes annual, collaborative planning relationships and offers specialized services such as divorce, estate-settlement, and employer-sponsored planning.