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.

John Moore is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding a Series 66 designation and three years of industry experience. Prior to his advisory role, he served six years in the United States Navy and currently holds a position as a Supply Officer in the United States Navy Reserves. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning tools and advisory services.

Christin Byrd is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for seven years. 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 Wells Fargo Investment Institute and third-party sources to support its investment approach.

Jacob Ness is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes positions at Bank of America, Northwestern Mutual, and Virginia Wesleyan University. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Irene O'Brien is a financial advisor at Edward Jones in Norfolk, VA, with 14 years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2012. 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 under management through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs and investment strategies under a fiduciary standard.

Darien Mcdaniel II is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. He has worked at Wells Fargo Bank, Truist Bank, Stein Mart, and Dominion Homes of America. 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 supported by research from Wells Fargo Investment Institute.

Debra Ianucci is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and bringing 26 years of industry experience. Her prior roles include positions at Lincoln Financial Securities Corporation and Farmers Financial Solutions. Outside of advisory work, she operates an insurance agency and performs as a cantor for church ceremonies. OSAIC serves a diverse client base that includes individual investors, institutions, and charitable organizations, offering a range of brokerage, advisory, and managed account services supported by firm-provided asset-allocation tools and third-party platforms.

Navaneeth Saiprasad is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2019, previously holding roles at Bank of America, SunTrust, and Best Buy. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Colin Ballard is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Prior to joining Morgan Stanley, he spent brief periods at APAX Leaders and Alsco. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including personalized financial planning supported by structured tools and research, managing approximately $2.74 trillion in client assets.

Dawn Wheeler is a financial advisor with Mass Mutual Investors Services in Norfolk, VA, holding Series 63 and Series 65 credentials and nine years of industry experience. Her work history includes roles at MassMutual Life Insurance Co and MML Investor Services since 2016. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning without discretionary investment authority.

Luke Kohart is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 credentials and 11 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, where he worked for seven years, as well as earlier positions at SII and The Frieden Agency. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals, employing a range of portfolio management strategies across various platform arrangements.

Sean Murphy is a CFP®-designated financial advisor with eight years of industry experience, currently with Raymond James Financial Services Advisors, Inc. Prior to joining Raymond James, he worked seven years at Edward Jones and has experience in mortgage finance. He serves as a board member of the Chesapeake Public Schools Educational Foundation, a nonprofit organization. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary advisory services using analytical tools and supports a broad advisor network with specialized programs in municipal finance and SIMPLE IRA employer consulting.

Henry Jones is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and having 30 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2016. Outside of his advisory role, he serves as president of the Hampton Roads Lacrosse Officials Association and has worked as a lacrosse official since 1995. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various model-based and discretionary strategies.

Karen Mcnabb is a CFP® professional with 14 years of experience, currently advising clients at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, various insurance carriers, and involvement with the Financial Planning Association of Hampton Roads. She has also served in community roles such as the Strawbridge Elementary PTA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research.

Justin Morris is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 41 years of experience in the industry. He has been with Raymond James since 2016. Outside of his advisory role, he serves as an independent contractor supporting Hampton Roads Financial. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a broad client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Jennifer Wilson is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been working with both Merrill and Bank of America since 2013 and 2015, respectively. Outside of her advisory role, she is a part-time group fitness instructor at Onelife Fitness in Virginia Beach. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutions.