Amberlyn Ponce is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. Her professional background includes roles at Henderson Financial Group, LPL Financial, and First Command Insurance Services. Outside of her advisory work, she serves as a partner managing rental property activities alongside her husband. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios across various investment vehicles.

Elizabeth Miller is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Her career includes roles at Cambridge Investment Research Advisors, Rossby Financial, and Bulls Financial Group. She is president of Visionary Financial, a business valuation firm, and is involved with the Two Twelve Referral Network, which supports local small businesses. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Gloria Ramirez is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and eight years of industry experience. She has worked with Wells Fargo Clearing Services since 2018 and has been affiliated with Wells Fargo Bank NA since 2013. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Michael Casey is a CFP® and ChFC® with 40 years of industry experience. He is currently with Cetera, where he has worked since 2021, following prior roles at VOYA Financial Advisors and Fidelity Union. In addition to his advisory work, he sells health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with diverse program options and over $256 billion in assets under management.

Joseph Andriano is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized financial plans that align with their unique short-, mid-, and long-term goals. His approach emphasizes understanding each client's priorities and perspectives to guide them through wealth planning with clarity and transparency. Joseph specializes in areas including college education planning, equity compensation services, legacy planning, and tax minimization. He serves as a comprehensive resource for investment strategies, retirement preparation, and unexpected financial needs, also facilitating access to Bank of America specialists for additional banking, credit, home financing, and small business solutions. He holds a Bachelor's Degree from Hampden-Sydney College and has earned the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Outside of his professional work, Joseph enjoys fishing, hiking, skiing, and tennis.

William Rice Jr. is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Monica Handy is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley in 2021. Outside of her advisory role, she owns MJHandy Marketing, Planning & Consulting and Fora Travel, where she acts as a travel advisor. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools without offering individual security recommendations as part of its standalone planning program.

Ryan Blackman is a Financial Consultant at Fidelity Investments, where he focuses on building and maintaining client relationships and developing customized financial plans tailored to individual needs. He has been with Fidelity Investments since 2021, progressing through roles including Investment Solutions Representative and Planning Consultant before his current position. Prior to joining Fidelity, Ryan worked at Wells Fargo Bank from 2011 to 2021, serving as a Branch Manager and later as a Premier Banker. His professional experience spans financial consulting, planning, investment solutions, and banking management. Outside of his professional work, Ryan engages in personal interests such as baseball, family activities, reading, theater, traveling, and volunteering.

Christopher Dennis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. He worked at TIAA and TIAA-CREF from 2007 to 2020 before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he co-owns a business selling fishing gear and attire. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Christin Bonomonte is a financial advisor at Fidelity with 10 years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior experience at Kestra Financial, LPL Financial, and The Main Street Group. Bonomonte serves on the board of directors for Forward Foundation RVA, a nonprofit organization supporting women through classes, counseling, and family services. Christin is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios using mutual funds, ETFs, and ETPs.

Sherri Nichelson is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. Prior to joining Fidelity, she worked at First Command Financial Services and First Command Brokerage Services. Outside of her advisory role, she has experience in education, including roles as a private tutor and workshop planner. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Stephen Molinelli is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Main Street Private Advisors, APW Capital, Purshe Kaplan Sterling Investments, and Insight Private Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various portfolio management strategies and platform arrangements.

Maxim Stupak is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Bank, J.P. Morgan Securities, and JPMorgan Chase Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to guide its investment approach.

Maura Norford is a financial advisor with Ameriprise, holding a Series 66 designation and 12 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Outside of her advisory role, she serves on the Board of Directors for Richmond Community Rowing and works as an indoor rowing instructor. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement income advice, with an emphasis on assets held in Ameriprise Managed Accounts.

Randall Arnett is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of his advisory role, he is a vocalist and guitarist in a band. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in an IPS-driven approach and modern portfolio theory.

Jeffrey Hayes is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he participates in competitive cooking competitions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment advice and plan management grounded in modern portfolio theory. The firm serves institutional clients with both discretionary and non-discretionary solutions, including unique offerings such as insurance-related investment options.

Daniel Fryer is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2018. His prior experience includes roles at Bb&T Securities and Scott & Stringfellow, Inc. Fryer serves as a trustee and holds power of attorney for family trusts, and he is the president of the Summer Duck Homeowners Association in White Stone, Virginia. 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.

Charise Parham is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Wells Fargo Clearing Services and Wells Fargo Advisors in various roles from 2015 to 2022. Outside of her advisory work, she has worked as an independent contractor for Amazon and Instacart. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering customized financial plans utilizing firm-approved tools and methodologies.

Jeffrey Creech is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes roles at U.S. Bancorp Investments and multiple Wells Fargo entities dating back to 2007, as well as prior positions at M.R. Spencer Advisory Services, Grove Point Investments, and FFP Advisory Services. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and provides both brokerage and advisory solutions.

Shawn Doran is a financial advisor with Edward Jones in Midlothian, VA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2017, following two years at Provia. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets, offering a range of advisory strategies and affiliated investment products through a nationwide network of more than 23,700 financial advisors.