James Ramsay is a Financial Consultant currently working at Fidelity Investments since 2022. He has experience as a Financial Advisor, having worked at First Financial Group from 2020 to 2022 and at Opus Wealth Strategies from 2018 to 2020. James partners with clients to create and maintain financial plans that align with their personal goals, focusing on developing flexible strategies that adapt to life's changes.

Leslie Doyle is a financial advisor at Merrill with 28 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 1999, including her current tenure since 2009, alongside her ongoing role at Bank of America, N.A. since 2002. Outside of her advisory work, Doyle serves as a board member for Children's Health Systems, a nonprofit hospital focused on pediatric care in Norfolk, VA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, corporations, and charitable organizations, leveraging internal and third-party portfolio managers.

Lindsey Roberts is a financial advisor at UBS Financial Services with eight years of industry experience. She holds a Series 66 designation and has previously worked at Raymond James Financial, Towne Wealth Management, Davenport & Company LLC, and BB&T Bank. Roberts is based in Norfolk, VA. UBS Financial Services 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, utilizing proprietary research and model-based asset allocations to tailor strategies to client goals.

Peter Workman is a financial advisor with LPL Financial in Norfolk, VA, holding Series 63 and Series 65 credentials and possessing 28 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory work, he is a managing partner at American Business Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations nationwide. The firm offers a range of advisory programs and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Tami Peterson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and 30 years of industry experience. She has been with Raymond James since 2001, including five years at the current firm entity, and worked briefly at Easan Katir from 2018 to 2020. Outside of advising, she serves as an executive assistant to a branch manager at The Pinnacle Group in Virginia Beach. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm emphasizes tailored, non-discretionary advice through analytical tools and supports various advisory programs, including municipal finance and SIMPLE IRA employer consulting services.

Kendrick Norfleet is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at General Electric Vernova for three years and served at Norfolk Naval Shipyard for thirteen years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Brandon Mowfy is a CFP® professional with eight years of industry experience. He has been with Wells Fargo Clearing since 2017 and worked at EKS Group, LLC from 2015 to 2017. 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 a range of brokerage and advisory solutions.

Maria Schneider is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Her prior work includes positions at Chartway Federal Credit Union and Starbucks. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

John Williamson is a CFP®-certified financial advisor with 41 years of industry experience, currently serving clients at LPL Financial since 2025. Prior to joining LPL, he worked for NEXT Financial Group Inc. for 24 years. He also operates John Williamson CFP & Associates, through which he provides non-variable insurance services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, financial planning services, and investment management solutions supported by both proprietary and third-party research.

Michelle Lowry is a Series 66-licensed financial advisor with Merrill, based in Virginia Beach, VA, and has 22 years of industry experience. She has worked at Merrill since 2008 and has been with Bank of America N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Raleigh Jernigan is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and previously worked at Capital One and UBS. He serves as Sponsorship Director on the advisory board of the Society for Human Resources Management, overseeing sponsor relations. 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 offers tailored, non-discretionary planning and investment consulting using analytical tools and supports its clients through various advisory programs and institutional consulting services.

John Napolitano is a Wealth Management Advisor with Merrill Lynch Wealth Management. He offers a comprehensive approach to managing wealth by getting to know his clients and their families, understanding their financial situations, and focusing on what matters most to them. John helps create customized wealth management strategies that can adapt to changing needs and market conditions. He provides access to the investment insights of Merrill and the banking convenience of Bank of America to address various aspects of clients' financial lives. John’s client focus areas include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, individual and corporate investment strategy, and retirement income. He holds professional designations as a Chartered Financial Analyst (CFA) and a Personal Investment Advisor (PIA). John earned a bachelor's degree from James Madison University. In addition to his professional work, John follows the Merrill tradition of community participation and volunteers with local organizations. His personal interests include football, golfing, and skiing.

John Searing is a financial advisor with UBS Financial Services in Norfolk, VA, holding a Series 66 license and having 28 years of industry experience. His previous roles include positions at Bank of America and Merrill Lynch. Outside of his advisory work, he serves in several nonprofit roles, including director and past president of Lee's Friends Helping People Live with Cancer, and is active with the Rotary Club of Norfolk. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Jody Balaban is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 21 years of industry experience. Prior to joining Cambridge, Balaban worked at Royal Alliance Associates and John Hancock. Outside of her advisory role, she serves as a board member of the Tidewater Jewish Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent financial professionals, utilizing a range of portfolio management strategies and multiple platform arrangements.

Benjamin Equitan Jr. is a financial advisor with LPL Financial in Virginia Beach, VA, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Financial in 2021, he was involved with Ramiscal Equitan Advisors LLC and Ayudar LLC, among other roles in the insurance and financial sectors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement consulting, and model portfolio management supported by in-house and third-party research.

Heather Miller Tokarz is a financial advisor with Ameriprise in Norfolk, VA, holding a Series 66 designation and 18 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she is involved in a food vending and employee training business and participates as a pollworker during elections. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, delivering non-discretionary, research-driven recommendations that integrate tax-efficient strategies and income planning. The firm combines algorithmic tools with advisor oversight and offers a broad range of advisory, brokerage, and insurance solutions.

Robert Craun is a financial advisor at Edward Jones in Norfolk, VA, holding Series 63 and Series 66 designations with 24 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a broad network of financial advisors and offers a range of discretionary and non-discretionary investment strategies, including tax-efficient services and affiliated mutual funds.

Mark Flores is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He holds Series 63 and Series 65 licenses and is based in Chesapeake, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Richard Pulley IV is a Series 66 licensed advisor at Merrill with seven years of industry experience. He has worked at both Bank of America and Merrill since 2019. Outside of his advisory role, he serves as a board member and officer of the Virginia Opera Association, which stages live opera and provides educational programs throughout Virginia. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, featuring model-based and discretionary strategies for individual, high-net-worth, and institutional clients.

Kyle Hutter is a Financial Consultant at Fidelity Investments, where he works to develop relationships with clients to understand their important financial goals. He partners with clients and their families to create and implement personalized financial plans focused on achieving their retirement objectives. Kyle has been with Fidelity Investments since 2019. Prior to this, he worked as a Financial Advisor at Raymond James & Associates from 2017 to 2019.