P Murphy is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. Prior to joining Ameriprise in 2019, Murphy worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of advisory work, Murphy serves as adjunct faculty at multiple universities and coaches a high school girls softball team. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-driven recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies, supported by a centralized consulting team and automated analytics.

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.

Joseph Clayton is a financial advisor with Morgan Stanley Wealth Management in Newport News, VA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he performs as a musician in a band that plays Jimmy Buffett songs and similar genres. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

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.

Katy Hampton is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 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 serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.

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.

James Cale III is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of his advisory role, he serves as a director of Cale Management LLC, a property management business based in Williamsburg, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured processes and tools, managing approximately $2.74 trillion in client assets.

James Wright is a financial advisor at Edward Jones in Newport News, VA, holding a Series 66 designation with 17 years of industry experience. He has been with Edward Jones throughout his career since 2009. Outside of his advisory role, Wright is involved in music royalties and CD sales through CD Baby. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

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.

Andrew Bolling is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 27 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Towne Bank since 2004. He serves as a board member on the Finance and Audit Committees for Nansemond-Suffolk Academy, a local private school. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

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.

Charles Nuttycombe serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management in Newport News, VA, since 2012. In this role, he provides advice and guidance, developing and managing customized investment strategies for clients, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Charles focuses on a broad range of client needs including education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds a Bachelor’s Degree in Economics from Bridgewater College. Outside of work, Charles enjoys baseball, basketball, football, golfing, and spending time with his family.

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.