Eugene Kelly IV is a Financial Advisor with Merrill Lynch Wealth Management, specializing in guiding business owners, executives, professionals, and families through financial decisions associated with significant life transitions such as business sales, relocations, and rapid company growth. He focuses on the period before liquidity events when owners have the most options and works to understand the broader effects of wealth creation, including demographic shifts and generational wealth transfer. His areas of expertise include corporate benefits, executive compensation, family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Eugene holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Eugene's educational background includes a High School Diploma from Kempsville High School, studies at the College of William & Mary, and Regent University. Outside of his professional role, he enjoys adventure sports, camping, hiking, music, reading, traveling, watching movies, writing, and spending time with his family.

Tucker Mason is a financial advisor with Wells Fargo Clearing in Norfolk, VA. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Bank and Wells Fargo Clearing since 2023 and 2026, respectively. Prior to his financial services roles, he worked at Target, Petco, and Walmart, and completed four years of full-time education. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

James Heyman is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has nine years of industry experience, including five years at Raymond James and five years at Wells Fargo Advisors. In addition to his advisory role, he is a managing partner of Heyman Investment Group and a partner in Heyman Oyster Company, which holds a stake in James River Holdings. He also serves as a voting board member of his condominium association. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, while also providing specialized municipal and public finance advisory services.

Wanda Austin is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of her advisory role, she serves as a board member of Riverside Regional Medical Center. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured tools and modeling techniques, providing advisory services without individual security recommendations as part of standalone plans.

Collin Campbell is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has served since 2018. He specializes in goals-based financial modeling and portfolio construction, leveraging his background in engineering and financial planning software development. Collin was part of the advisor team that developed the Personal Wealth Analysis® tool, and he focuses on a range of client needs including education planning, family wealth management, legacy planning, and socially responsible investing. Before joining Merrill Lynch, Collin worked as a Client and Business Development Manager at 2RW Consultants, Inc., an engineering firm in Charlottesville. He holds a Bachelor of Science in Integrated Science and Technology with a concentration in energy and a minor in Music Industry from James Madison University. He also holds Series 7 and Series 66 FINRA registrations, a Life and Health insurance license, and earned the Certified Private Wealth Advisor® designation from the Investment Wealth Institute® in 2025 following completion of the Yale School of Management Executive Education program. Collin is active in his local community, serving as a past President and current board member of the Rotary Club of Charlottesville. He is also involved with the Charlottesville Chamber of Commerce and volunteers at Sentara Martha Jefferson Hospital, where he plays piano. In 2025, Collin was named to the Forbes "Best-in-State Wealth Management Teams" list as a member of the Bloemers Campbell Group.

Richard De Salvo is a financial advisor at UBS Financial Services with the Series 66 designation and one year of experience in the industry. Prior to joining UBS, he served in the United States Navy for 21 years. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work supported by proprietary research and model-based asset allocations.

Robert Carmines is a CFP® with 26 years of industry experience, currently serving as an advisor at Cetera since 2025. He has held roles at Avantax Advisory Services and 1ST Global Advisors, among others. He also owns Carmines Robbins Financial Services, LLC and serves as a trustee for a family trust. Cetera Investment Advisers LLC is an SEC-registered firm offering a multi-manager platform to independent advisors nationwide. The firm serves a broad range of clients, including individuals, retirement plans, and institutional accounts, with services spanning portfolio management, financial planning, and access to third-party managers.

Bonnie Whitehurst is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 registrations and 43 years of industry experience. She has worked with Wells Fargo-affiliated firms since 2011. Outside of her advisory role, she serves as an associate pastor at Virginia Korean United Methodist Church. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute and third-party sources to support its investment approach and operates on a large scale with more than 14,000 financial advisors.

John Rhoades is a financial advisor with Edward Jones in Norfolk, VA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, Rhoades owns and operates Rocky's Culture Co., a Virginia Beach-based art and concept design business specializing in creative design consulting, mural artwork, and event coordination. 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 advisory programs and strategies, supported by a large nationwide network of financial advisors and branch offices, and provides additional affiliated capabilities including trust services and securities-based lending.

Patrick Cvitanovich is a financial advisor with UBS Financial Services in Norfolk, VA. He holds Series 63 and Series 65 designations and has 27 years of industry experience, having worked at Painewebber Incorporated and UBS Financial Services since 1998. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and diversified capital markets expertise.

Kimberly Debusk is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Nationwide Advisory Services and Nationwide Insurance Company. Kimberly is linked to a family-owned electrical contracting business and has a minor ownership interest in a non-variable insurance firm. 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, financial planning, retirement consulting, and brokerage services, with investment management supported by internal and third-party research and model portfolios.

Kimberly Henderson is a financial advisor at Raymond James & Associates with 26 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Shannon Green is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets starting in 2007. He holds a Series 66 credential. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Andrew Holloway is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in assisting individuals, families, and business owners with building, preserving, and transferring wealth through comprehensive financial planning and personalized wealth management strategies. His approach involves understanding each client's unique goals and developing customized solutions that integrate investment management, retirement planning, risk management, estate considerations, and lending strategies. In addition to his client-focused work, Andrew develops strategic business relationships across various industries, aiding professionals and business owners in navigating complex financial decisions and identifying opportunities to enhance their financial well-being. He holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Hampden-Sydney College. Andrew is involved in his community through participation in organizations such as the Downtown Norfolk Civic League, Virginia Opera, and the Waterside Public Art Committee.

William Davis is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked with Mass Mutual Investors Services since 1985 and has been affiliated with MassMutual Life Insurance Company since 1978. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers tailored financial planning using firm-approved analytical tools and provides a range of investment and insurance solutions.

Patrycja Plucinski is a CFP®-certified financial advisor with 20 years of industry experience, currently serving clients at Edward Jones since 2018. She previously worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. Outside of advising, she owns and manages a rental property in Chesapeake, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of investment and advisory solutions supported by a nationwide network of more than 23,000 financial advisors.

Anderson Reames is a financial advisor with Raymond James Financial, holding a Series 66 designation and beginning his industry career in 2025. Prior to joining Raymond James, he worked in various roles including teaching positions at Hampden-Sydney College and York High School, as well as involvement with Reames Realty Group. 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, pension plans, corporations, and institutional clients. The firm employs risk profiling and analytical modeling in its non-discretionary planning and consulting, supports municipal and public-finance work, and offers specialized advisory programs such as a SIMPLE IRA Employer Advisory & Consulting Services program.

Cynthia Norris is a financial advisor with Cetera who holds a Series 66 designation and has six years of industry experience. She previously worked at Avantax Investment Services and 1ST Global Advisors before joining Cetera. In addition to her advisory role, she is a partner at Carmines, Robbins & Company, a tax and public accounting firm, and serves on the finance committee at Bethel Baptist Church in Yorktown, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios.

Alexandra Hale is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to define their financial goals and develop portfolio strategies tailored to pursue those objectives. Alexandra provides ongoing advice and adapts these strategies as clients' situations evolve. She offers expertise in general investing, retirement planning, and saving for unexpected events. Alexandra emphasizes understanding clients' priorities to help them create effective financial plans. Alexandra holds a Personal Investment Advisor (PIA) designation and earned her Bachelor's Degree from the University of Delaware. She communicates with clients in both English and Spanish.

Seth Williams is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 licenses. He has one year of industry experience and began his career in financial services with Wells Fargo Bank, N.A. in 2023. Prior to this, he worked in a variety of roles outside finance across several industries. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research from internal and third-party sources to support a range of brokerage and advisory solutions.