Zachary Franks is a financial advisor at OSAIC Institutions, Inc. with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of Clarke, Teksystems, and Element Risk Wealth Advisors. Outside of financial services, he was involved with Green Monstah Firearms. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, ERISA plan services, and access to alternative investments and lending solutions, operating with a hybrid adviser/broker-dealer structure that integrates third-party promoters and multiple affiliated entities.

Isaac Hutchison is a CFP®-designated financial advisor with eight years of industry experience, currently associated with Planmember Securities Corporation. He has worked with Old Dominion Insurance & Investment Inc since 2017 and previously spent twelve years with Greene County Public Schools. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual-fund portfolios, supplemented by educational and support services for plan sponsors and participants.

Chet Bingham is a CFA® charterholder with 17 years of industry experience, currently serving at OSAIC Institutions, Inc. in Winchester, VA. His prior roles include six years at LPL Financial LLC and entrepreneurial experience with Complete Pass, LLC. OSAIC Institutions, Inc. is an SEC-registered investment adviser that serves individuals, retirement plans, trusts, and corporate clients through a network of investment adviser representatives. The firm combines a hybrid adviser/broker-dealer structure with a lending marketplace and access to alternative investments, offering customized advisory services alongside firm supervision of client accounts.

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.

Alfred Norton III is a financial advisor with NewEdge Advisors and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including 16 years with Mass Mutual Investors Services and 17 years with MassMutual Life Insurance. Outside of investment advising, he is the managing partner of Norton Consulting III, specializing in Medicare sales and consulting. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a variety of services, including portfolio management, financial planning, and retirement consulting, and employs a range of program structures combining in-house and third-party manager strategies with technology-driven tools.

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 Series 66 licensed financial advisor with 12 years of industry experience. She currently works with Truist Advisory Services and has held prior roles at Wells Fargo Clearing and SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, participant advice, and a manager-selection program implemented through discretionary and non-discretionary 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.

Steve Hose is a financial advisor at LPL Financial with 31 years of industry experience. He has held positions at LPL Financial since 2010, previously working at M&T Securities, Inc. and Raymond James Financial Services, Inc. He is registered with Series 63 and Series 65 credentials and is involved with The Hose Group, which includes non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment strategies and tools to support its extensive network of over 22,800 advisors managing more than $819 billion in discretionary assets.

Tracy Regalia is a Series 66 credentialed financial advisor with Edward Jones, where she has worked since 2019. She has seven years of experience in the financial industry and serves in the West Virginia Air National Guard as a part-time Drill Status Guardsman. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of approximately 23,701 financial advisors.

Bradley Mullins is a financial advisor at Equitable Advisors with three years of industry experience. He holds a Series 66 designation and previously worked for the Commonwealth of Virginia and as a self-employed professional. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

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.

Wilson Rimmer is a financial advisor with Thrivent Investment Management in Martinsburg, WV, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019. Prior to his financial career, he worked with the Potomac District of the Assemblies of God for 18 years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

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.

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 licenses and has previously worked at Morgan Stanley Private Bank, Truist Advisory Services, and BB&T. She serves as Vice-Chair on the Board of the Winchester Medical Foundation, a charitable nonprofit organization. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and a complex affiliate network.

Ethan Loewen is a financial advisor at Edward Jones with 17 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Edward Jones in two separate periods totaling 11 years, with a five-year tenure at Wells Fargo Clearing in between. Edward Jones is a full-service wealth management firm serving more than four million clients, including individual, institutional, corporate, and charitable entities. The firm offers a range of advisory programs and investment strategies and operates under a fiduciary standard, supported by a nationwide network of over 23,000 financial advisors.

Nicholas Aberegg is a financial advisor with Equitable Advisors in Martinsburg, WV, holding a Series 66 credential and 19 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor AXA Advisors, LLC. Outside of his advisory role, he serves on the boards of the Eastern Panhandle WVU Alumni Association and the Eastern West Virginia Community Foundation, where he is also a scholarship committee member. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm works through a network of Investment Adviser Representatives and partners with third-party managers to offer a broad range of investment programs.