Patrick Everett is a financial advisor with Ameriprise in Hampton, VA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Ameriprise and its affiliates since 1997. Outside of his advisory role, he owns a tax preparation business, serves on the House Facility Board for Beta Theta Pi at The College of William and Mary, and volunteers with the Peake Childhood Center nonprofit. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations through a centralized consulting team.

Dwight Wagaman is a financial advisor with LPL Financial, holding a Series 66 designation and based in Chesapeake, VA. He has worked in various roles including positions at ThayerMahan, Delta Defense, Point One USA, and Veterans United Home Loans, and served in the United States Navy from 2013 to 2021. He joined LPL Financial in 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Joseph Caldwell is a financial advisor with Wells Fargo Advisors in Virginia Beach, VA, holding a Series 66 designation and 28 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is also a part owner of two investment-related firms, Joseph Caldwell, LLC and Schanck Caldwell Investment Consulting Group, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with various financial products and referral channels.

James Reese is a CFP® professional with 27 years of experience in the financial services industry. He has been with Ameriprise since 2005, currently serving as an advisor in Norfolk, VA. Reese holds Series 63 and Series 65 licenses. Ameriprise provides a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Michael Rapay is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and six years of industry experience. His career includes roles at JPMorgan Chase Bank, Bank of America, and Merrill. He is a member of the Hampton Roads Estate Planning Council, a local network of professionals focused on estate planning. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Victor Philleo is a financial advisor with Raymond James & Associates in Virginia Beach, VA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked at Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

Bruce Mcmillin is a financial advisor with Wells Fargo Clearing in Virginia Beach, VA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to his current role starting in 2016, 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 both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment choices.

Jeremy Byrnes is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with Ameriprise since 2017, following a year at Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance Company. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and tax-aware withdrawal strategies based on comprehensive analysis and ongoing advice.

Anna Legrande is a financial advisor at Raymond James Financial with 15 years of industry experience. She holds a Series 66 designation and has worked previously at TowneBank, BB&T Securities, and Scott & Stringfellow. She is associated with The Whitmore Group, which serves as a brand name for her advisory team. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools, supporting clients through its advisory programs and maintaining specialized municipal and retirement plan services.

Kate Ryan is a Series 66 licensed financial advisor with nine years of industry experience, currently working at Merrill. She has been with Merrill since 2015, except for a one-year period of unemployment from 2021 to 2022. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alexandra Babb is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing comprehensive, goals-based wealth management and investment advice to high-net-worth individuals and their families. Alexandra focuses on building and maintaining trusted client relationships by proactively managing their needs, identifying solutions, and providing access to firm resources. She is also a member of The Somers Group’s Investment Committee. Alexandra began her career in the financial industry at Merrill in 2010 as a Financial Advisor. She returned to Merrill and joined The Somers Group in 2023. Prior to her return, she worked at Oppenheimer as a Private Wealth Advisor and at TIAA CREFF as a Wealth Management Advisor. Alexandra obtained her bachelor’s degree in Business Administration and Management from Virginia Tech and earned her M.B.A. from Old Dominion University. She holds several professional designations including CERTIFIED FINANCIAL PLANNER® professional and Chartered Retirement Planning Counselor™. Outside of her professional work, Alexandra serves on the board of directors for Billy the Kidden Rescue. She enjoys swimming, animals, and cooking. She resides in Virginia Beach, Virginia, with her son and daughter.

Kellie Gibbons is a financial advisor with Edward Jones in Virginia Beach, VA, holding a Series 66 designation and six years of industry experience. She has worked at Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, combining a broad retail advisor network with affiliated capabilities such as a trust company and proprietary mutual funds.

Neeraj Agarwal is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and ChFC® designations and 18 years of industry experience. Prior to joining Cambridge in 2023, he spent eight years at Lincoln Financial Securities Corporation. He has been involved with the Hampton Roads Society of Human Resources Management for over 15 years and owns an independent insurance agency as well as a financial strategies firm in Virginia Beach. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through independent Financial Professionals, utilizing multiple platform arrangements and both proprietary and third-party investment strategies.

Zachary Trafton is a Financial Advisor at Merrill Lynch Wealth Management, joining the firm in 2024. He began his career in the financial industry in 2020 as an Individual Financial Consultant for TIAA. Zachary focuses on a goals-based approach through financial modeling and portfolio construction to assist clients in achieving financial success through diversification and investment management. He holds a bachelor's degree in Finance and Business Economics from the University of South Carolina Darla Moore School of Business. Zachary has obtained the SIE, Series 7, and Series 66 FINRA registrations, holds Life and Health insurance licenses, and is a CERTIFIED FINANCIAL PLANNER® professional. His client focus areas include college education planning, family wealth management strategies, legacy planning, retirement planning, portfolio management, tax minimization, and small business strategies. Outside of his professional role, Zachary is involved in the Cape Henry Rotary and is affiliated with the YSC professional organization. His personal interests include chess, fishing, golfing, running, soccer, spending time with family, and surfing.

Gerald Willcox is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He also works as a part-time Uber driver outside of his advisory role. 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.

Christopher Westerman is a CFP® with 20 years of experience in financial services. He has worked at LPL Financial since 2023 and previously spent 10 years with MassMutual Life Insurance Company and MML Investors Services LLC. Outside of his advisory role, he officiates high school basketball games in Chesapeake, VA. 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 investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management along with research from LPL and third-party subadvisors.

William Haycox Jr. is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience since 1987. Based in Virginia Beach, VA, he has additional roles in life and health insurance sales, life settlements, structured settlements, and goal-setting consulting for business owners. He is also president of a local real estate company. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring advisory relationships as ongoing, collaborative engagements with tailored recommendations.

Carlos Parsard is an Investment Consultant at Fidelity Investments. He focuses on connecting clients with appropriate guidance, tools, and resources tailored to their individual situations. He has been with Fidelity since 2024, starting as a Financial Representative before advancing to Relationship Manager and subsequently to his current role as Investment Consultant in 2026. Prior to joining Fidelity, Carlos worked as a Financial Representative at Bankers Life from 2023 to 2024. Outside of his professional work, Carlos is interested in the beach, fitness, reading, soccer, and traveling.

Robert Stevens is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Cambridge since 2016. Stevens also works as an independent insurance agent for various insurance companies through his business, Stevens Asset Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management strategies and platform options.

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.