Christina Goodman is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its financial planning process.

Dallas Wilson is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has three years of industry experience, including roles at JPMorgan Chase Bank and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage and investment management capabilities.

Ingrid Kessener is a CFP® professional with 11 years of industry experience, currently serving at Edward Jones since 2014. She also has a long-standing role at Virginia Wayside Furniture, where she has been involved since 1995. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Patrick Thompson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Bank of America, Merrill, and service in the US Navy Reserves since 2014. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Gwendolyn Belle is a financial advisor at Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses with 22 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and First Clearing, LLC. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research to model potential outcomes.

E Cockrell Jr. is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Morgan Stanley and its affiliates since 2007 and was previously with Dean Witter Reynolds Inc. since 1991. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-linked financial planning services.

Christopher Brennan is a financial advisor with Ameriprise in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he has involvement in real estate ownership unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm offers a range of advisory, brokerage, and insurance solutions and uses a centralized consulting team to deliver tailored, research-driven retirement income recommendations.

Fletcher Allen is a financial advisor at Edward Jones with six years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at James River Wealth Advisors and Allen Financial Coaching. Outside of advisory work, he manages a rental property in Chesterfield, VA. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a large network of advisors and branch offices, offering a range of investment strategies and fiduciary advisory services.

Sara Johnson is a financial advisor at Merrill with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Private Capital Management, LLC, South State Advisory, South State Wealth, Bb&T Securities, LLC, and Truist Bank. 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 model-based and discretionary investment strategies.

Marc Wein is a Financial Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized investment strategies aimed at pursuing their financial goals. Marc provides investing advice and access to Bank of America services, including banking and lending. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Brigham Young University. Marc's approach focuses on understanding what matters most to individuals and families to create tailored financial strategies.

Mark Lange is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Lange serves on the investment committee of a local nonprofit and owns several rental properties. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

William Hassett is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a trustee for a trust in Ponte Vedra Beach, Florida. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering a range of investment and planning solutions without individual security recommendations in standalone plans.

Susan Carman is a financial advisor at Merrill in Richmond, VA, holding Series 63 and Series 66 licenses with 34 years of industry experience. She has been with Merrill since 2009. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Torrice is a Senior Financial Advisor specializing in comprehensive wealth management strategies at Merrill Lynch Wealth Management. She provides concierge service by overseeing and coordinating the financial affairs of clients and their families, aiming to simplify their financial lives as the primary point of contact for wealth management. Mary utilizes a team of professionals from Bank of America and Merrill to assist with additional financial goals including estate planning, banking, lending, securities lending, life insurance, and long-term care. Her expertise encompasses college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Mary works closely with clients who are near or in retirement, those seeking consolidation of financial advisors, or individuals interested in obtaining a second opinion on their financial strategy. She and her support team are committed to providing personalized, attentive service and measurable value to clients. Mary holds a Bachelor's Degree from Longwood University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, she is involved in community volunteering and enjoys soccer, swimming, tennis, and spending time with her family.

Karis Cox is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on providing clients with customized financial strategies that address their unique goals and priorities. Her approach involves a thorough assessment of clients’ current situations, objectives, concerns, and timelines to develop personalized wealth management plans. Karis specializes in areas such as executive compensation, family wealth management, legacy planning, philanthropic planning, personal retirement planning, tax minimization, and portfolio management. She also provides services tailored to endowments, foundations, non-profits, small businesses, and women and wealth. Karis holds a Bachelor's Degree from Roanoke College and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

William Garter is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a discretionary 3(38) option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Phifer is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and 34 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Securities, Inc. He has been with Wells Fargo Clearing since 2016. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Marc Cram is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, Legg Mason Wood Walker, and Davenport & Company LLC. Outside of his advisory work, he is involved as a partner and officer in several Richmond-based businesses, including retail and restaurant ventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning solutions. The firm offers services supported by proprietary planning tools and investment research, managing approximately $2.74 trillion in client assets.

Geoffrey Barnhouse is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Ricoh US for eleven years and has experience in other roles including at Peter Blair Accessories and Virginia Commonwealth University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides detailed recommendation reports and ongoing advice focused on income stability and tax-efficient withdrawal strategies.

Ashley Costanzo is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 66 designations and with 10 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and a broad range of capital markets services.