Wendy Coggsdale is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, utilizing structured planning tools and broader investment resources to support client goals.

Wayne Lee is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. He has been associated with Cetera Financial Specialists LLC since 2004 and leads Lazarus Group Consulting, Inc., a business providing accounting, tax, and consulting services. He is also president and CEO of AlphaGate, Inc., an investment practice involved in real estate management. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Beth Gibson is a financial advisor at Ameriprise with seven years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Ameriprise in 2026, she worked at Lincoln Investment and Northwestern Mutual Wealth Management Company among other firms. 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 annual retirement-income planning advice centered on dependable income sources and tax-aware withdrawal strategies.

James Phillips is a financial advisor with LPL Financial in Chesterfield, VA, holding Series 63 and Series 65 credentials and 33 years of industry experience. His prior roles include positions at Blue Ridge Bank, Infinex Investments, Bi Investments LLC, and Citizens Bank & Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside proprietary and third-party research.

Thomas Scott is a financial advisor with LPL Financial in Midlothian, VA, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has worked at LPL Financial since 2018 and has prior experience with Summit Brokerage Services and Saunders Retirement Advisors. Outside of his advisory role, Scott is a soccer referee, an activity he has been involved in since 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by model portfolios, research, and multiple investment strategies.

Morgan Prime is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and having 2 years of industry experience. Prior to joining Morgan Stanley in 2017, Morgan worked for Sky Zone Trampoline Park from 2014 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Edward Ramsey III is a financial advisor at Morgan Stanley with 17 years of industry experience. He has been with Morgan Stanley since 2017 and previously worked at Agecroft Partners, LLC for eight years. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Amy Rice is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 designations and 21 years of industry experience. She has worked at Wells Fargo Advisors since 2016, preceded by roles at Morgan Stanley Private Bank and Morgan Stanley. Outside of her advisory role, she is involved in managing investment-related rental properties alongside her spouse. 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, serving clients through both brokerage and advisory solutions, with an investment approach grounded in research, analytics, and diversification principles.

Matt Handley is a Financial Consultant at Fidelity Investments, a role he has held since 2026. He works closely with clients to identify their priorities and collaborates with them through financial planning to develop strategies aimed at achieving their financial goals. Prior to this, Matt held several positions at Fidelity Investments, including Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, and High Net Worth Service Associate from 2022 to 2023. In 2022, he was a Registered Representative at Centenium Advisors, LLC. Matt's approach centers on engaging clients in a collaborative financial planning process. Outside of his professional responsibilities, he enjoys family activities, football, golf, outdoor adventures, and traveling.

Kevin Mccarthy is a financial advisor at Fidelity with nine years of industry experience and holds a Series 66 designation. His prior roles include positions at Horace Mann Investors, Mass Mutual Life Insurance Company, and Virginia Asset Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

William Burford is a financial advisor at Cetera with over 40 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His career includes long-term roles at Securian Financial Services and Minnesota Mutual Life, and he also engages in fixed insurance sales through Select Brokers LLC and Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

James Powell is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Citizens and Farmers Bank, and FTB Advisors, Inc. Powell is also involved with C&F Wealth Management Corporation, a registered investment-related business. 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 wider range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Sheila Denzler is a Series 66-licensed financial advisor with Morgan Stanley in Richmond, VA, where she has worked since 2016. She has 23 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Nathan Jaynes is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and with 17 years of industry experience. He has been with Primerica Advisors for over 17 years in total, with additional work history including roles at Purco, UPS, and Vip Kids. Outside of advisory work, he receives compensation for sales related to loan products and for referrals of home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-based investment strategies overseen by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Sharon Talarico is a financial advisor at Cetera with 39 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with Cetera and its affiliates since 2021. Her prior experience includes roles at VOYA Financial Advisors and as an independent agent since 1986. She also operates as an independent insurance agent specializing in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and custodial relationships.

Tracy Mazzoni is a financial advisor at LPL Financial with 22 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for 21 years before joining LPL Financial. 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 advisors. The firm offers a range of advisory programs, financial planning, and retirement consulting, supporting both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Christopher Williams is a CFP® professional with 24 years of experience in financial advising. He is currently with Cetera and has prior roles at Virginia Asset Management LLC and Select Brokers, among others. He serves as a member of the alumni receivership committee for the Epsilon chapter of Pi Kappa Alpha, a nonprofit role related to fraternity oversight. Cetera Investment Advisers LLC operates as a multi-manager platform, providing services through a nationwide network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with portfolio management, financial planning, and access to various third-party managers and program structures.

James Fisher is a financial advisor at Ameriprise in Virginia Beach, VA, with 29 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked for Columbia Management Investment Distributors, Inc. and Columbia Management Investment Advisers, LLC for 13 years. Ameriprise offers a retirement-income planning service designed for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendations in partnership with the client’s advisor. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Justin King is Vice President and Private Wealth Management Advisor at Fidelity Investments, a position he has held since 2022. In this role, he partners with ultra high net worth families to collaboratively develop holistic financial plans that simplify complex financial questions, aiming to help these families build, protect, and transfer their wealth. King has extensive experience in the financial industry, with a career spanning multiple leadership roles. Prior to his current position, he served as Vice President and Branch Leader at Fidelity Investments from 2015 to 2022, and Assistant Branch Manager from 2014 to 2015. His background also includes managing partner responsibilities at Sophis Capital, and various managing director and vice president roles focused on equity sales, institutional sales trading, and sales trading leadership at firms including Bear Stearns & Co., Inc., ABN AMRO Incorporated, Salomon Smith Barney Inc., and Dain Bosworth Incorporated. His career began with a role as Special Projects Manager at Old Republic Companies from 1982 to 1985.

Mark Gottschalk is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 21 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2004. Outside of his advisory role, he is a co-owner and partner in two residential rental properties. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing written financial planning recommendations across various topics without portfolio management as part of the service. The firm employs holistic, goal-based analyses and allows clients to combine planning with managed accounts under a consolidated billing option.