Joshua Curtiss is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. His background includes service in the United States Air Force and the Air National Guard. He has also worked at The Fresh Market and Charlotte Hungerford Hospital. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including managing model portfolios using proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm serves a diverse client base and is noted for its registration with the CFTC, use of advanced analytical methods, and advisory roles to multiple registered investment companies.

Christopher Dotolo is a financial advisor with Morgan Stanley, holding a Series 66 designation and 11 years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Edward Jones for nine years. Outside of his advisory role, Dotolo owns and operates D5 Baseball, LLC, which offers baseball instruction and youth camps in Virginia Beach, and he serves on the board of the Virginia Beach Friends School. Morgan Stanley Wealth Management provides a broad range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing firm‑approved planning tools and strategies.

Brent Webber is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2019, he worked at Chubb and has experience in the food service industry. 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, retirement plan consulting, and brokerage services with access to model portfolios, research, and various investment management options.

Christina Lopez is a financial advisor at Wells Fargo Advisors in Virginia Beach, VA, holding a Series 66 designation with 14 years of industry experience. She has been affiliated with Wells Fargo-affiliated firms since 2009, including Wells Fargo Clearing and Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs analysis, utilizing proprietary research and tools to deliver tailored recommendations.

Bridgette Laque is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She has been with various Morgan Stanley divisions since 2013, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 that utilize structured discovery processes and advanced modeling tools to tailor plans for clients.

Robert Byles is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as Treasurer and Finance Committee Chairman for St. Bride's Church in Chesapeake, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment choices, including insurance-related products and bank deposit sweep options.

John Cavanagh is a financial advisor with Equitable Advisors in Norfolk, VA, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been with Equitable Advisors since 2017, including time under its predecessor AXA Advisors. In addition to his advisory role, he operates an online clothing business using a print-on-demand service. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party asset managers.

Tin Nguyen is a Series 66-credentialed financial advisor with three years of industry experience, currently affiliated with J.P. Morgan Securities in Virginia Beach, VA. His prior work includes roles at Merrill, Bank of America, Wells Fargo, and experience in the U.S. Army Reserves from 2009 to 2018. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within a broad broker-dealer and banking organization.

Carter Johns is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2019, following 14 years at Ameriprise Financial Services. Johns is also involved with JCG LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research, along with technology such as machine learning to support its investment strategies.

Richard Gulledge is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Newport News, VA, and has 12 years of industry experience. He has been with Wells Fargo Bank NA since 2014 and has worked in various capacities within the Wells Fargo organization, including Wells Fargo Advisors, LLC. Outside of his advisory role, he works as a delivery driver for Instacart and Walmart. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Patrick Hineline is a Financial Advisor at Merrill Lynch Wealth Management. He advises multigenerational families on building and operating structures aimed at preserving wealth, improving decision-making, and supporting long-term legacy goals. His work centers on integrated investment strategy, balance-sheet oversight, and governance to help families coordinate portfolios, liquidity, tax-aware strategies, and complex assets. Patrick's expertise includes family wealth management strategies, institutional investment consulting, managing new wealth, personal retirement planning, philanthropic planning, sports and entertainment, and tax minimization. He holds professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a bachelor's degree from James Madison University in 2022. Beyond his professional work, Patrick enjoys golfing, running marathons, and surfing. His personal philosophy is to help clients uncover what matters to them and their families to create strategies that pursue their financial goals.

Jacob Gibbs is a Financial Advisor with Merrill Lynch Wealth Management, serving clients in Virginia Beach and Newport News. He began his career with Merrill in 2015 as a Seasonal Client Associate and, after earning his degree, returned as a Financial Advisor. Jacob focuses on building long-term relationships with his clients to assist them in creating enduring legacies for future generations. His areas of expertise include family wealth management strategies, managing new wealth, and personal retirement planning. Jacob works closely with clients to understand their unique goals and priorities, providing comprehensive advice on investing, retirement planning, and savings strategies. He also connects clients to specialists in banking, credit, home financing, and small business solutions as needed. Jacob graduated from James Madison University with a Bachelor's Degree in Finance. A native of Virginia Beach, he holds a helicopter license earned at age 17. Outside of his professional role, he enjoys adventure sports, including motorsports, watersports, golf, and spending time outdoors.

David Cooper is a financial advisor with Osaic Wealth, Inc. based in Virginia Beach, VA, holding a Series 63 designation and 39 years of industry experience. Prior to joining Osaic in 2025, he spent 42 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, Cooper is an agent with Heritage Financial Consultants, LLC, where he is involved in the sales and servicing of various insurance products. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and a mix of investment vehicles to construct portfolios managed on discretionary or non-discretionary bases.

Ann Onhaizer is a Senior Financial Advisor with Merrill Lynch Wealth Management. She has dedicated her career to providing clients with personalized financial strategies that address their specific goals and needs. Ann works with individuals, families, businesses, and nonprofit groups to assist in accumulating, preserving, and transferring wealth. Her focus areas include college education planning, family wealth management strategies, liquidity management, personal retirement planning, socially responsible investing, tax minimization, and retirement income. Ann began her career at Merrill Lynch Wealth Management in 1985 and has over 35 years of experience in financial consulting. She holds a Bachelor's Degree from Old Dominion University and has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Certified Divorce Financial Analyst®. Ann resides in Virginia Beach with her husband, Rusty. She is actively involved in her community, volunteering with organizations such as An Achievable Dream Academy, the Virginia Beach Surf & Rescue Museum, and her church.

Alexandria Jones is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Wells Fargo entities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory. The firm’s approach includes a broader range of financial products than typical for large institutional advisers, including insurance-related vehicles and bank deposit sweep options.

Robert Marchesano is a CFP® professional with 24 years of industry experience, currently associated with Raymond James Financial Services Advisors, Inc. He has held roles at Atlantic Union Financial Consultants and Truist Advisory Services, among others. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm utilizes risk profiling and analytical tools to provide tailored, non-discretionary advice and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Karen White is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and 29 years of industry experience. She worked at Merrill Lynch for 30 years before joining Raymond James, where she has been since 2019. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, charitable, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports a wide range of advisory programs, including municipal and public-finance services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Michael McNulty is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His career includes over 27 years at Signator Investors, Inc., followed by five years at Royal Alliance Associates, Inc., before joining Cambridge in 2023. In addition to his advisory role, he is involved in insurance sales and employee benefits through other business activities. Cambridge Investment Research Advisors serves a diverse range of clients, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services delivered through independent Financial Professionals, utilizing a variety of portfolio management and model-based strategies tailored to client objectives.

Marc Hines is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as the treasurer for the Virginia Beach Audubon Society. 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Katherine Ferrazzara is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and two years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously spent two years with Wells Fargo Advisors. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.