Stephen Salley is a financial advisor with LPL Financial holding Series 63 and Series 65 licenses and 25 years of industry experience. His prior roles include positions at Morgan Stanley, Citigroup Global Markets, Legg Mason Wood Walker, Wells Fargo Clearing, and Prudential Equity Group. He also operates Salley Wealth Management LLC as a DBA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives using various investment strategies and operational tools.

Jonathan Brennan is a financial advisor with OSAIC in Fredericksburg, VA, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at FSC Securities Corporation since 2013 and at BJ's Wholesale since 2010. In addition to his advisory roles, he is an insurance agent involved in life and long-term care insurance sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, delivering solutions through a combination of proprietary and third-party strategies.

Franisha Mootz is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, N.A., as well as with various retail and direct sales companies. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting with a non-discretionary approach.

Shawn Lenahan is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 designations and 19 years of industry experience. He previously worked at Wells Fargo Clearing for six years. Lenahan serves as Treasurer for the Irish Cultural Center of Virginia, a nonprofit organization. He is affiliated with 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 approach combining fundamental research, quantitative analysis, and algorithmic portfolio construction.

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 designations and has previously worked at Wells Fargo Clearing and Wachovia Bank, N.A. Hill is based in Fredericksburg, VA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a broad range of investment strategies.

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 at J.P. Morgan Securities with Series 63 and Series 65 licenses. He has held roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2026, preceded by experience at Wells Fargo Clearing Services and Wells Fargo Bank. His prior work includes positions in various industries such as insurance and environmental consulting. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary, asset allocation-focused advisory program that leverages quantitative and qualitative research and incorporates ESG considerations.

Joseph Simon is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and possessing 28 years of industry experience. His career includes significant tenure at Pioneer Institutional Asset Management and First Command Financial Planning. He also provides investment advisory services through Good Life Advisors, LLC, an independent registered investment advisor. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

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 credentials and bringing 22 years of industry experience. She previously spent 20 years at The Strategic Financial Alliance, Inc. Smith also operates Rappahannock Tax Services, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial activities.

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.

Riley Mead is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, Mead had a brief tenure at Merrill Lynch, Pierce, Fenner & Smith Incorporated. Outside of the financial industry, Mead is involved with SeaSuiteCruises. 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 a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

David Brennan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. and has been affiliated with Dominion Eagle Financial Group, Inc. since 2002. He serves as an instructor for a voluntary seminar on retirement planning. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and supports a wide range of financial programs delivered through affiliated broker-dealer and RIA relationships.

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.