Chet Bingham is a financial advisor at OSAIC Institutions, Inc. with 17 years of industry experience. He holds the CFA® designation along with Series 65 and Series 63 licenses. His prior roles include positions at LPL Financial LLC and Bank of Clark. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm employs a hybrid adviser/broker-dealer structure, offering customized advisory services and access to alternative investments through a network of investment adviser representatives.

Thomas Varney is a financial advisor with Bankers Life Advisory Services, Inc. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. Prior to his current role starting in 2019, he worked with Acn and Bankers Life Securities, Inc., and he has been associated with Bankers Life & Casualty since 2008, where he manages a team of agents and is involved in hiring and training. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary and non-discretionary portfolio management and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to create customized investment strategies aligned with clients’ goals and risk tolerances.

Christopher Merchant is a CFP® professional with 17 years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and Hunt Country Wealth Management, where he is also an owner. Merchant has previously worked at firms including Securities America Advisors, LPL Financial, and Middleburg Bank. He is the author of two books, *On Investing Well – The Elements of Good Investing* and *On Retiring Well – The Guidebook for Retirement Planning over 50*. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a variety of advisory programs and services, supporting affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Erin Bojarczuk is a financial advisor with Truist Advisory Services and holds a Series 66 designation. She has 11 years of experience in the industry, including roles at Wells Fargo Clearing and SunTrust Advisory Services. She is based in Winchester, VA. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers a range of services including asset allocation, fiduciary support, and a manager-selection program that combines discretionary and non-discretionary approaches through third-party platforms and manager arrangements.

Matthew Dyson is a financial advisor with Truist Advisory Services in Winchester, VA, holding a Series 66 designation and six years of industry experience. His career includes roles at Truist Investment Services, BB&T Securities, Highline Partners, and Cardinal Distributing. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary manager relationships supported by third-party platforms and AI-enabled research tools.

Max Skirkanich is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and previously worked at Davenport & Company LLC and The Virginia Tech National Science Institute. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven approaches.

Todd Ellis is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and 34 years of industry experience. He previously worked at UBS Financial Services and City National Bank. Outside of his advisory role, he holds a 20% interest in racehorses in Kentucky. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and utilizes a mix of in-house and third-party managers to implement portfolios.

Mary Ervin is a financial advisor with Morgan Stanley in Winchester, VA, holding a Series 66 designation and having nine years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to that, she was employed at Lifetime Fitness for one year. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Its financial planning process uses firm-approved tools and models but does not include individual security recommendations as part of standalone planning services.

Ivan Snapp is a financial advisor with Edward Jones located in Winchester, VA, holding a Series 66 designation and 17 years of industry experience. He has been with Edward Jones since 2008. Outside of his advisory role, he is involved in managing rental properties through a personal business entity. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 advisors.

Morgana Herrera is a Series 66 licensed financial advisor at Edward Jones with six years at the firm and a total of nine years in the industry. Prior to joining Edward Jones in 2020, she worked for seven years at National Funding. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, along with affiliated mutual funds and securities-based lending options.

Julie Wise is a financial advisor at Edward Jones with 10 years of industry experience. She holds a Series 66 designation and previously worked at Wells Fargo Clearing for eight years before joining Edward Jones in 2023. Edward Jones is a full-service wealth management firm serving over four million clients, including individual, institutional, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Scott Wilson is a financial advisor at Charles Schwab with 22 years of industry experience and holds the Series 66 designation. He has worked at Charles Schwab & Co., Inc. since 2016 and previously worked at TD Ameritrade, Inc. from 2022 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options.

Joshua Wolinski is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. His prior work includes roles at Hamdan Resources and Arcfiled, as well as academic positions at George Washington University, Roanoke College, and Randolph College. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both high-net-worth and non-high-net-worth households. The firm offers a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Angela Antonelli is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. She has been with Raymond James since 2020 and serves as an adjunct assistant professor of finance at Northern Virginia Community College. Additionally, she works as an election officer in her local community. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools and sponsors wrap-fee advisory programs, with a notable affiliation to a municipal advisor for public-finance work.

Karis Holnagel Frey is a financial advisor at Edward Jones in Winchester, VA, holding a Series 66 designation with 1 year of industry experience. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 financial advisors.

Jay Smith is a financial advisor with Edward Jones in Winchester, VA, holding Series 63 and Series 66 credentials and having 33 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1992. Outside of his advisory role, Smith serves as President and CEO of Catch and Unleash Productions Inc, a faith-based concert ministry, and has participated as a corner and track marshal at various motorcycle racing events including Daytona and MotoAmerica. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory and investment solutions, supported by a large nationwide network of advisors and branch offices.

Jennifer Mc Donald is a financial advisor at Osaic Wealth with 20 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Morgan Stanley Private Bank, Truist Advisory Services, and BB&T. Outside of her advisory role, she serves as vice-chair and board member of the Winchester Medical Foundation, a charitable nonprofit organization. Osaic Wealth serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and advisory platforms. The firm combines brokerage and investment advisory services with financial planning, retirement consulting, and access to various third-party money managers, utilizing asset-allocation tools and risk assessments to construct diversified portfolios.

Ethan Loewen is a financial advisor with Edward Jones located in Charles Town, WV. He holds Series 63 and Series 66 licenses and has 17 years of industry experience. Prior to joining Edward Jones in 2021, he worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Jason Williams is a financial advisor at Ameriprise Financial Services LLC with 18 years of industry experience. He holds a Series 66 designation and has worked at several firms, including Truist Advisory Services and BB&T Investment Services. Williams serves on the boards of Victory Church and NW Works and participates in finance and community committees in Winchester, VA. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning that focuses on reliable income sources and tax-aware withdrawal strategies through a collaborative, non-discretionary process.

Leslie Crabill is a financial advisor with LPL Financial in Charles Town, WV, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. She has been with LPL Financial since 2011 and is also associated with Bct since 2007. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.