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.

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.