Franisha Mootz is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. Her background includes roles at Bank of America, N.A., and J.P. Morgan Securities LLC. Outside of finance, she has experience in direct sales with companies such as Younique Products and Optavia. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with affiliated brokerage, distribution, and investment management capabilities.

Shawn Lenahan is a financial advisor at Fidelity with 18 years of industry experience. His prior roles include positions at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He serves as Treasurer for the Irish Cultural Center of Virginia, Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Douglas Cooper is a financial advisor with Raymond James & Associates in Fredericksburg, VA, holding Series 63 and Series 65 credentials and possessing 35 years of industry experience. He has been with Raymond James & Associates since 2006. Outside of advisory work, he serves as a committee member on the Colonial Beach Economic Development Committee, advising on revitalization efforts for his hometown. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research support.

William Cooper is a financial advisor with Raymond James & Associates in Fredericksburg, VA, holding a Series 66 designation and 15 years of industry experience. He has been with Raymond James since 2010. Outside of his advisory role, he assists with financial management and decision-making for Elly Poston Interiors, a business run by his spouse. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser serving a broad client base including individuals, institutional investors, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Jacob Normand is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with individuals, families, and business owners to help bring structure and confidence to their financial lives by combining modern tools, data-driven insights, and thoughtful investment strategies with a personal, relationship-first approach. Jacob's expertise includes college education planning, personal retirement planning, small business strategies, socially responsible and ESG investing, and retirement income. He focuses on helping clients make informed decisions across all areas of their financial picture with plans tailored to reflect what matters most to each client. He holds a Bachelor's Degree from the University of Mary Washington and has earned the designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Beyond his professional work, Jacob is involved in his community through the Spotsylvania County Little League and has personal interests in baseball, music, and writing.

Ryan Hill is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Fidelity, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs.

Aaron Blackburn is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals, families, and businesses to help them achieve their financial goals through tailored strategies and personalized guidance. Aaron provides comprehensive financial planning, investment management, and risk mitigation solutions aligned with his clients' unique objectives. With over eight years of experience in the financial industry, Aaron specializes in areas including divorce transition planning, education planning, family wealth management strategies, institutional and corporate benefit services, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's degree in Economics from Christopher Newport University. Outside of his professional work, Aaron enjoys cooking, golfing, pickleball, reading, and watching movies.

David Ross is a financial advisor with Edward Jones in Fredericksburg, VA, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, Ross serves as an assistant varsity basketball coach for Spotsylvania County Public Schools. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual and institutional investors. The firm offers a range of discretionary and non-discretionary investment strategies and maintains a large network of financial advisors and branch offices across the country.

Jack Pagan is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses. He has one year of industry experience and previously worked at Wells Fargo Clearing Services, Wells Fargo Bank, and Geico. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Joseph Simon is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 27 years of industry experience. His prior roles include positions at First Command and Pioneer Institutional Asset Management. He also operates Good Life Advisors, LLC, an independent investment advisory firm based in Williamsburg, VA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisors. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Daniel Goodwin is a ChFC® and holds a Series 66 license, with 18 years of industry experience. He currently works at Cetera and previously held roles at Avantax and other financial services firms. Outside of advising, he is an at-large board member of the Fredericksburg Masonic Museum Association, where he assists with fundraising and educational efforts. He also provides financial consultation for clients going through divorce under his Goodwin & Smith Financial Services DBA. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a broad nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, supporting a range of investment program structures and strategies.

Josette Smith is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 22 years of industry experience. Prior to joining LPL Financial in 2024, she spent 20 years with The Strategic Financial Alliance, Inc. She is also involved in tax preparation and accounting services through Rappahannock Tax Services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from LPL Research and third-party subadvisors across diversified and alternative strategies.

Nicole Cole is a financial advisor with LPL Financial in Fredericksburg, VA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. Her prior roles include positions at Colonial River Investments, LLC, Nicole Cole Financial Services Group, LLC, and Next Financial Group Inc. Cole serves as an elected school board member for Spotsylvania County Public Schools. 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, model portfolios, and retirement plan consulting.

Crystal Piazza is a financial advisor with Merrill in Fredericksburg, VA, holding a Series 66 designation and three years of industry experience. Her work history includes roles at Merrill since 2017 and Bank of America, N.A. since 2022, as well as two years at Woodforest National Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

David Brennan is a financial advisor with OSAIC in Fredericksburg, VA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has been involved with Dominion Eagle Financial Group, Inc. for over two decades. Brennan also teaches a retirement planning seminar through Dominion Eagle Advisor Group without compensation. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and access to third-party money managers.

Stephen George is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services and Edward Jones. In addition to his advisory role, he serves as a financial consultant with Atlantic Union Bank and Atlantic Union Bank Wealth Management in Fredericksburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes non-discretionary, tailored planning and consulting supported by risk profiling and modeling tools, and is notable for its municipal advisory affiliation and specialized SIMPLE IRA employer consulting services.

Edward Vollbrecht is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. Prior to joining Raymond James, he worked at Truist Investment Services and BB&T Investment Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and utilizes advanced modeling tools to support client decision-making.

Shivani Singh is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, she serves as treasurer on the board of the Hunter's Pond Homeowners Association in Stafford, Virginia. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Susan Mann is a financial advisor with Edward Jones in Fredericksburg, VA, holding a Series 66 designation and having 10 years of industry experience, all with Edward Jones since 2016. Outside of her advisory role, she owns farmland that is rented to Thomas Family Farms, Inc. 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 solutions supported by a large nationwide network of advisors and branch offices.

Scott Pettyjohn is a financial advisor with Mass Mutual Investors Services in Fredericksburg, VA, holding Series 63 and Series 66 credentials and with 27 years of industry experience. He has been with MML Investors Services LLC and Mass Mutual Financial since 2004. Outside of his advisory role, he serves as a director for the National Association of Insurance and Financial Advisors (NAIFA) Virginia and is a member of the finance committee for Stafford Junction, a nonprofit providing education and workshops to underprivileged children. MML Investors Services, LLC, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using advanced software tools and offers additional services including money-manager programs and educational seminars.