Scott Garnett is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at UBS and its predecessor, PaineWebber Incorporated, since 1998. Outside of his advisory role, Garnett is a manager of an operating farm through Beardog LLC and serves on the board of directors for Reservoir Distillery, a private company. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm integrates institutional trading capabilities with wealth management and offers a broad range of advisory and capital markets services.

Rf Steele III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at LPL Financial since 2017 and previously spent seven years at Investment Centers of America, Inc. Additionally, he has been president of Appomattox Insurance Agency since 1995. Outside of advising, he co-owns a hunting property through an LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Philip Moore III is a CFP® professional affiliated with LPL Financial, bringing 20 years of industry experience. He has worked at LPL Financial since 2022 and has a concurrent history with Cuna Brokerage Services, Inc. and Cuna Mutual Group dating back to 2012. 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 advisory programs and financial services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Elisabeth Poore is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Her prior work includes roles at Mahler Capital Management, The Pinnacle Group, and Z3 Capital Partners. Outside of advising, she owns EDesigns, where she works as a designer and stylist. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm focuses on financial planning and non-discretionary investment consulting, utilizing detailed risk profiling and firm research to tailor recommendations, and maintains a significant advisory business that emphasizes client decision authority.

Garrett Walsh is a financial advisor with Wells Fargo Clearing in Roanoke, VA, holding a Series 66 designation and 20 years of industry experience. His career includes roles at Wells Fargo Advisors and LPL Financial. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 in its investment offerings.

Sawyer Jensen is a financial advisor at Fidelity with Series 63 and Series 66 registrations and two years of industry experience. Prior to joining Fidelity, he worked at RBC Wealth Management and held various roles outside the financial industry, including at Brooks Pest Control. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic approaches and maintains formal advisory roles to multiple registered investment companies.

Blair Stuart is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has worked at firms including Fidelity Investments, JP Morgan Securities, and United Bank. 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 advice grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Angela Garris is a Financial Consultant currently working at Fidelity Investments since 2016. In her role, she collaborates with clients to develop personalized financial plans aimed at growing and protecting wealth, preparing for unforeseen events, and supporting individual financial goals. Her professional background includes positions as Regional Vice President at Suntrust Investments from 2011 to 2014 and at Riversource from 2008 to 2009. Prior to that, she served as a Business Development Coach and Wholesaler at Genworth Financial from 1998 to 2008, and held New Business Specialist roles at Central Fidelity in 1997 and James Mitchell from 1994 to 1996. Outside of her professional work, Angela is interested in family activities, motorcycles, and traveling.

Eli Caveness is a Financial Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he served in various positions at Fidelity Investments, including Investment Consultant from 2024 to 2025, Relationship Manager from 2023 to 2024, Workplace Planning & Advice Help Desk in 2023, and Workplace Planning Consultant from 2022 to 2023. His professional approach centers on compassion, education, and trust, aiming to simplify complex financial matters for clients and enable them to make informed decisions. Eli emphasizes client education to foster a trusted partnership focused on achieving financial success. Outside of his professional responsibilities, Eli has interests in cooking and baking, fitness, football, pets, and traveling.

Stephanie Caudill is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Neal Richards is an Investment Management Consultant II at Fidelity Investments, where he has worked since 2022. In his role, he focuses on building relationships with clients by understanding their needs and goals, and supports them through financial planning using Fidelity's resources. Prior to joining Fidelity, Neal served as Financial Planning Director at Edelman Adviser from 2017 to 2022. He has extensive experience in investment consulting, having worked at TD Ameritrade in various consultant roles from 1999 to 2017. Outside of his professional work, Neal enjoys board games, puzzles, and family activities.

Matthew McDaniel is a financial advisor with LPL Financial based in Hopewell, VA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He previously worked at MML Investors Services, Inc. and MassMutual for 18 years before joining LPL Financial in 2021. LPL Financial serves a diverse client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Phillip Yesbeck is a CFP® professional with 10 years of industry experience. He is currently with Cetera and has previously worked at Virginia Asset Management and Securian Financial Services. Yesbeck also serves as a financial advisor at Virginia Asset Management, offering securities, insurance, and advisory services. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through multiple program structures and manager options.

Chester Ritchie III is a financial advisor with Osaic Wealth, Inc. in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Prior to joining Osaic in 2018, he worked at Jhfn Sii from 2011 to 2018. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to various managed account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple investment types.

Rachelle Advani is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. She has been with Edelman Financial Engines and its predecessor entities since 2015, including Financial Engines Advisors L.L.C. since 2018. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools to provide both discretionary and non-discretionary investment options.

Donald Everette is a financial advisor with Edward Jones in Midlothian, VA, holding a Series 66 designation and 15 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies under a fiduciary standard and maintains a large national network of financial advisors and branch offices.

Michael Dracoulis is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at firms including LPL Financial LLC, MassMutual Investors Services, MassMutual Life Insurance, and METLIFE Securities. Outside of advisory work, he owns Sgt. Drac's Woodworking LLC, a business that makes and sells woodworking products. OSAIC serves a broad range of clients including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a focus on diversified portfolios constructed using asset-allocation tools, risk-tolerance assessments, and automated rebalancing, and supports both discretionary and non-discretionary account management.

S Dunbar is a financial advisor at Morgan Stanley with 39 years of industry experience. Their career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. They hold Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through a network of financial advisors and specialized planning groups.

Rebecca Baughman is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2016. Outside of her advisory role, she is involved in real estate ownership unrelated to her investment practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Robert Kaltenschnee is a financial advisor at Merrill with 16 years of industry experience. He holds a Series 66 designation and previously worked at Truist Advisory Services, Truist Investment Services, Bb&T Securities, and Scott & Stringfellow. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.