Harraj Sandhu is currently a Planning Consultant at Fidelity Investments, where he works collaboratively as part of a financial planning team. He focuses on helping clients transform complex financial decisions into clear and actionable strategies tailored to their individual goals and priorities. Harraj has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, providing him with a broad perspective on client needs and financial planning processes. His approach emphasizes careful listening, attention to detail, and proactive strategy coordination to develop adaptable financial plans. Outside of his professional responsibilities, Harraj has interests in board games, cooking and baking, fitness, movies, reading, and traveling.

John Koziol is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at ePlus Technology Inc, Kelly Services, and RM Lucas. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Ethan Greene is a Planning Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to build meaningful, long-term relationships by understanding their unique personal and financial circumstances. By gaining insight into clients' values, priorities, and financial goals, he helps establish financial plans and review strategies to empower clients to pursue their goals with confidence and clarity. Prior to his current role, Ethan held positions at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a High Net Worth Service Associate from 2023 to 2024. Before joining Fidelity Investments, he worked as a Financial Professional at Equitable from 2020 to 2023. Outside of his professional career, Ethan's personal interests include food, social events with friends, music, outdoor adventures, and soccer.

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.

Troy Flinn is a financial advisor with LPL Financial in Glen Allen, VA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 35 years of industry experience and has previously worked with Kestra Advisory, Cambridge Investment Research, and Tower Square Securities. He also operates Alpha Wealth Advisors, LLC, which includes a third-party administration service and non-variable insurance offerings. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Alexander Daniel is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles including ownership in restaurant businesses and positions at Primis Bank and Longwood University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes a range of advisory programs, many implemented by third-party managers, and offers services covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Robert Alcan is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bank of America, N.A. and Merrill since 2011. 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 various institutional clients.

Canon Hickman is a financial advisor with Cambridge Investment Research Advisors in Henrico, VA, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has been affiliated with Cambridge Investment Research Advisors and related entities since 2011 and also operates Equity Concepts. Outside of his advisory work, he is a board member of Promise Land Pastures and owns an airplane leasing company. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base through a network of independent financial professionals. The firm offers a variety of financial planning, investment management, retirement plan advisory, and financial wellness services, utilizing proprietary and third-party model strategies across multiple platform arrangements.

Ryan Rettberg is a financial advisor at Edward Jones with eight years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Edward Jones, he worked as a professional golfer from 2017 to 2019. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, managing approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

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.

Daniel Caldwell is a financial advisor at Osaic Wealth, Inc. based in Richmond, VA, holding Series 63 and Series 65 licenses with 36 years of industry experience. His prior experience includes 17 years at Lincoln Financial Securities Corporation and over 38 years with Jefferson Pilot Insurance/Financial Services. Caldwell is also involved in insurance sales, offering various health and life insurance products alongside his advisory role. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to manage diversified portfolios for individuals, institutions, and charitable organizations.

Alla Panitkova is a Planning Consultant at Fidelity Investments, where she has been working since 2025. In this role, she focuses on developing strategic financial plans tailored to the unique needs of each client and helping them make informed decisions at every stage of life. Before her current position, Alla served as a Relationship Manager at Fidelity Investments from 2023 to 2025. Prior to that, she worked as an Advisory Client Associate at Wells Fargo Advisors from 2018 to 2022. Outside of her professional career, Alla has interests that include spending time at the beach, watching movies, parenthood, solving puzzles, running, and traveling.

Jordan Barck is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 66 designations and five years of industry experience. His work history includes positions at Wells Fargo Advisors, Equitable Advisors, and Carolina Capital Management. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics with a focus on diversification and modern portfolio theory.

Travis Sims is a financial advisor with Ameriprise, holding a Series 66 designation and eight years of industry experience. He has worked at Ameriprise and its affiliated entity since 2015. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, emphasizing managed accounts and algorithmic automation in its advisory process.

Jody Bellew is a Vice President and Financial Consultant at Fidelity Investments. In this role, Jody collaborates with clients to develop financial plans that balance maintaining their current lifestyle with preparing for their future. This involves creating customized plans focused on clients and their families, utilizing a broad range of tools and resources. Jody has been with Fidelity Investments since 2005, holding various roles including Service Trading Representative, Investment Consultant, Fixed Income Consultant, Senior Financial Consultant, Retirement Solutions Representative, and Regional Planning Consultant. This extensive experience has contributed to Jody's expertise in financial consulting and planning. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Kenneth Jones is a CFP® and ChFC® with 23 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors since 2016 and with Cambridge Investment Research, Inc. since 2011. Jones serves as a board member of the Full Circle Grief Center. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody platforms and proprietary and third-party model strategies tailored to client objectives.

Dustin Dodge is a financial advisor at Robert W. Baird & Co. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Financial Engines Advisors and Edelman Financial Services. Dustin is part of the DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by ongoing manager selection and internal research.

Christopher Geary is a CFP® with 22 years of industry experience, currently affiliated with Wells Fargo Advisors. His prior roles include positions at OSAIC, Triad Advisors, Gallagher Fiduciary Advisors, Independent Financial Group, LLC, F3Logic, LLC, and National Planning Corporation. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria. The firm uses proprietary research and planning tools to develop customized recommendations delivered through meetings and written summaries.

Chris Rysak is a Financial Consultant currently working at Fidelity Investments since 2023. He has previously held positions as a Financial Consultant and Investment Consultant at Charles Schwab from 2016 to 2023, as well as roles at T. Rowe Price and Vanguard, where he specialized in retirement and client relationship administration respectively. His approach involves collaborating with clients to develop financial plans that address wealth accumulation, preservation, distribution, and legacy considerations. Chris emphasizes understanding clients' goals and adapting plans as their circumstances evolve to maintain alignment with their changing objectives. Details regarding his education, credentials, personal interests, or community involvement were not provided.

Philip Beethoven Wilson is a financial advisor with Cambridge Investment Research Advisors in Richmond, VA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, and Virginia Asset Management. He is also involved in several entrepreneurial ventures, including ownership positions in PBW Financial LLC and Ephesians 210 LLC. Cambridge Investment Research Advisors serves a diverse client base ranging from individuals and retirement plans to charitable organizations and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and multiple platform arrangements.