Carol Mc Lawhorn is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Private Bank, Morgan Stanley, and Wells Fargo Advisors. 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.

Dylan Alvarado is a financial advisor with Ameriprise in Virginia Beach, VA, holding a Series 66 credential. He joined Ameriprise in 2025 and has previous work experience outside the industry, including roles at Academy Sports + Outdoors and Virginia Tech Rec Sports. 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 recommendations and ongoing retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Robert Pickett is a financial advisor with MassMutual Investors Services in Virginia Beach, VA. He holds Series 63 and Series 65 licenses and has 11 years of industry experience, including 10 years at MassMutual Investors Services and Massachusetts Mutual Life Insurance Co. He is president of Pickett Financial Services LLC, where he manages the brokerage business for First Financial Group and engages in insurance sales, financial planning, and investment management. 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 offers ongoing financial planning, asset management, and educational seminars using firm-approved software and event-driven planning programs.

Jeff Calhoun is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with firms including Alphastar Capital Management and TransAmerica Financial Advisors. Calhoun also operates a tax preparation and accounting business, Convergent Strategies, LLC, in Virginia Beach. LPL Financial is a registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

David Johnson is a financial advisor with Merrill in Norfolk, VA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has been with Bank of America and Merrill since 2011. He serves as a board member on a committee for the Norfolk State University Foundation. Merrill provides a broad range of investment and wealth management services to individuals, retirement plans, corporations, charities, and institutional clients. The firm offers multiple managed account programs and manager-selection strategies, supported by integration with Bank of America’s broader banking and capital markets platform.

Connor Davis is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory work, he is involved in insurance sales through his own firm, CW Strategies LLC. Mass Mutual Investors Services 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, annual planning relationships that utilize firm-approved analytical tools.

Zachary Coleman is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Schwab, he worked in various roles outside finance, including positions at Starbucks Coffee Company and Victory Family YMCA. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational structures.

Stephan Woodard is a Financial Consultant at Fidelity Investments, a position he has held since 2025. In this role, he partners with clients to develop highly personalized financial strategies aimed at building and preserving wealth. Stephan leverages the resources available through Fidelity to provide guidance and support as his clients implement their plans and work toward their long-term financial goals. Prior to joining Fidelity, Stephan held roles as a Financial Advisor at Edward Jones from 2024 to 2025, a Financial Solutions Advisor at Merrill Lynch from 2020 to 2024, and a Financial Representative at Northwestern Mutual from 2019 to 2020. His professional experience spans multiple firms where he has focused on helping clients pursue their financial objectives. Outside of his professional work, Stephan has personal interests including art, beach activities, fitness, golf, running, and tennis.

Michael Chu is a financial advisor with LPL Financial in Chesapeake, VA, holding a Series 66 designation and 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years before joining LPL Financial in 2019. Outside of his advisory work, he is a commissioned notary in Virginia and acts in a fiduciary capacity through a power of attorney. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from multiple sources alongside both discretionary and non-discretionary management.

Keith Berenguer is a financial advisor with Ameriprise in Virginia Beach, VA, holding Series 63, 65, and 66 designations and having 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, algorithm-assisted recommendations, primarily for assets managed within Ameriprise accounts.

Gary Shepherd is a CFP® professional with 47 years of industry experience, currently serving at OSAIC since 2025. He previously worked for Lincoln Financial Advisors Corp for 24 years. In addition to his advisory role, he is an insurance agent offering traditional life insurance, fixed annuities, and long-term care insurance through Shepherd Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a large network of affiliated advisers and employs a variety of tools and third-party platforms to construct and manage portfolios.

Jason Legato is a financial advisor at Edward Jones in Chesapeake, VA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2022, he served in the United States Navy for 21 years. He is the president of a local Business Networking International chapter in Virginia Beach, facilitating meetings and supporting chapter leadership. 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 under management through a large network of financial advisors and offers a range of discretionary and non-discretionary investment strategies, SMAs, affiliated mutual funds, and tax-efficient services.

Reid Barber is a financial advisor with Mass Mutual Investors Services in Virginia Beach, VA, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Primerica Advisors and Guardian Life Insurance Company. Outside of advisory services, he manages an LLC used for outside insurance sales and acts as an insurance agent specializing in life, disability, and long-term care coverage. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning and asset management using firm-approved tools, with a focus on collaborative goal analysis and written recommendations.

Neal Smith is a financial advisor with UBS Financial Services in Norfolk, VA, holding a Series 66 designation and 13 years of industry experience. He has been with UBS since 2012 and serves concurrently in the US Navy. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering a range of financial planning and portfolio management solutions supported by proprietary research and model-based asset allocations.

Craig Perez is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. Prior to joining Morgan Stanley in 2022, he worked at AutoBell Carwash Inc and Moe's Southwest Grill. Morgan Stanley Wealth Management provides a wide array 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 uses structured planning tools and modeling techniques as part of its financial planning process.

John De Vore is a financial advisor with Raymond James Financial holding a Series 66 credential and one year of industry experience. His prior work includes roles at TowneBank, the United States House of Representatives, and the Senate of Virginia. He has also been involved with the Greater Williamsburg Chamber of Commerce and worked in local business and education settings. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and offers unique municipal and public-finance advisory services within a large advisor network.

Lee Sherlock is a CFP® professional with 23 years of industry experience. He is currently with Wells Fargo Clearing and previously worked at Charles Schwab and TD Ameritrade. Sherlock has ownership interests in residential rental properties in Virginia Beach. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kerke Johnson is a CFP® professional with 37 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. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ralph Sabine is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside of his advisory role, he manages timber and land holdings in Isle of Wight County, Virginia, through a family partnership. Mass Mutual 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 using firm-approved analytical tools.

Kathleen Geremia is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding a Series 66 designation and six years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2020 and Morgan Stanley Smith Barney LLC since 2019. Prior to her financial services career, she attended Randolph-Macon College. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee to guide clients through financial planning.