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.

David Cooper is a financial advisor with Osaic Wealth, Inc. based in Virginia Beach, VA, holding a Series 63 designation and 39 years of industry experience. Prior to joining Osaic in 2025, he spent 42 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, Cooper is an agent with Heritage Financial Consultants, LLC, where he is involved in the sales and servicing of various insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and a mix of investment vehicles to construct portfolios managed on discretionary or non-discretionary bases.

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.

Robert Marchesano is a CFP® professional with 24 years of industry experience, currently associated with Raymond James Financial Services Advisors, Inc. He has held roles at Atlantic Union Financial Consultants and Truist Advisory Services, among others. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm utilizes risk profiling and analytical tools to provide tailored, non-discretionary advice and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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.

Michael McNulty is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes over 27 years at Signator Investors, Inc., followed by five years at Royal Alliance Associates, Inc., before joining Cambridge in 2023. In addition to his advisory role, he is involved in insurance sales and employee benefits through other business activities. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals, utilizing a variety of portfolio management and model-based strategies tailored to client objectives.

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.

Andrew Zohorsky is a financial advisor at Fidelity with five years of industry experience. He holds the Series 66 designation and has prior experience at First Command Insurance Services and First Command Advisory Services. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and discretionary management.

Ryan Martin is a CFP® professional with 15 years of industry experience. He has worked at OSAIC since 2025 and previously spent 13 years with Lincoln Financial Advisors. Martin is a part owner of MPS Holdings LLC, a real estate investment entity, where he participates in decision-making but has no daily management responsibilities. OSAIC serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable investors through a large network of advisers and multiple advisory platforms. The firm utilizes various asset-allocation tools and offers integrated investment and financial planning services with access to third-party money managers and managed-account solutions.

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.

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.

Harold Gilbert is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Outside of his advisory role, he is involved in an outside insurance brokerage business, TFA Benefits. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, and offers financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm’s approach includes matching clients to advisory models and third-party managers, providing a range of investment options without sponsoring its own wrap fee program.

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.

Malik Ricks is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he focuses on fostering a culture of trust, accountability, and growth for both clients and his team. Malik emphasizes purposeful planning and strong relationships to create meaningful and personal client interactions. Prior to his current role, Malik held several leadership positions within Fidelity Investments. He served as Team Leader for Workplace Planning and Advice from 2023 to 2025, Team Leader of the Help Desk from 2022 to 2023, and Team Leader of Client Service from 2021 to 2022. These roles reflect his experience in leading teams and providing client-focused financial planning services. Outside of his professional responsibilities, Malik enjoys fishing, fitness, exploring food, hiking, and outdoor adventures.

Katherine Richardson is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2012. 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.

Caleb Hunt is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 65 licenses and one year of industry experience. He has worked at multiple financial and banking institutions, including JPMorgan Chase Bank and J.P. Morgan Securities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative financial planning engagements using proprietary software and educational seminars.

Jaime Shaddix is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and has previously worked at Gees Group. Jaime is based in Virginia Beach, VA. 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 solutions. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Jeffrey Nowak is a Series 66-licensed financial advisor with 18 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and has prior experience at Raymond James Financial Services Advisors Inc. Outside of advising, he is a board member of Sugar Plum Bakery and owner of Thaddeus J's real estate business. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent financial professionals using a variety of portfolio management and model-based solutions.