Tyler Cruz is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2016. Outside of his advisory role, he is an agent at Vector27 Financial Group, where he focuses on multi-line insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing over $8 billion in discretionary assets as of 2025, and provides various account options and third-party asset manager relationships.

Justin King is a financial advisor at Ameriprise in Newport News, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise, he worked at the Norfolk Circuit Courthouse and has experience in the hospitality industry, including bartending and customer service at the Coach House Bar & Grill. Outside of his advisory role, he occasionally performs standup comedy at local clubs and breweries. Ameriprise is a large institutional firm offering retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations in partnership with its financial advisors.

Angela Holden is a financial advisor with Raymond James Financial, holding a Series 66 designation and 10 years of industry experience. She has worked with Raymond James Financial Services Advisors, Inc. since 2016 and operates Holden Global Financial Consulting, a financial consulting support business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs non-discretionary, tailored investment consulting and supports municipal and public finance work through its unique affiliations and specialized advisory programs.

Joseph Giles is a financial advisor with Primerica Advisors in Newport News, VA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with Primerica Advisors since 2015 and has been involved in roles outside finance, including owning Two Mice Fitness Solutions, LLC as a personal trainer and founding the Buckroe Sharks Wrestling Club, a nonprofit organization. He also serves as a wrestling referee for the Southeastern Wrestling Officials Association. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Joshua Carpenter is a CFP® and holds the Series 66 designation with 10 years of experience in the financial industry. He has been with Edward Jones since 2016 and is based in Hampton, VA. 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, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

William Jarrett is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, Jarrett serves on the finance committee of Here for the Girls, a health and welfare organization based in Williamsburg, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by advanced modeling tools and serves clients through both direct and corporate agreements.

Moses Rosario is a financial advisor at OSAIC with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Vanguard Group, JP Morgan Chase Bank, and Wells Fargo. He also serves as a registered assistant at Investors Securities Group, providing assistance with service-related items. OSAIC serves a broad mix of retail and institutional clients and offers integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Gary Bonnewell is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he participates in public speaking engagements for non-profit organizations and serves on the advisory board of the Hampton Roads Community Foundation. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, utilizing firm-approved tools and investment committee guidance to support tailored planning solutions.

Michael D'Alessandro is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing six years of industry experience. He has worked with Avantax Insurance Agency and Avantax Advisory Services, and concurrently operates as Director of Operations at Strive Accounting & Tax Solutions, an accounting, bookkeeping, payroll, and tax service firm. D'Alessandro has also maintained a licensed insurance agent role for Allianz Travel Insurance since 2015. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with access to affiliated and third-party managers, supporting discretionary and non-discretionary account structures.

Jill Rondeau is a financial advisor with Primerica Advisors in Newport News, VA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. She has been with Primerica since 2005 and has additional work history with Tent Ox. Outside of advisory services, she is involved in the sale of loan products and home-related services referrals through affiliated companies. Primerica Advisors is a large-scale firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that emphasizes model-delivery strategies managed by third-party asset managers. The firm supports a variety of investment models and delivers advisory services via a broad network of financial advisors.

Benjamin Ivey Jr. is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Cuso Financial Services, LP and 1st Advantage Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Chase Daknis is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His work history includes roles at Old Point Wealth Management and Alpha One Source. Outside of finance, he has been involved with James River Country Club and operated a lawn care business, 70 X 7 Lawn Care LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs and services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Richard Bagley is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 44 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for a close family friend. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Arturo Medina is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory work, he contributes as a pro bono project analyst for the Peruvian government's Ministerio de la Producción, focusing on evaluating startup programs to diversify the economy. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery processes and planning tools and offers various investment and planning services without individual security recommendations as part of standalone financial planning.

Marcia Geisert is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as Financial Secretary for Resurrection Lutheran Church and participates in the Lutheran Women's Missionary League, where she assists with mission grant collections and provides devotions and prayer. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement, focusing on tailored income strategies, Social Security options, and tax-efficient withdrawals. The firm combines algorithmic modeling and advisor collaboration to deliver personalized, non-discretionary recommendations, primarily for clients with substantial assets under Ameriprise management.

Regan Van Cura is a financial advisor at Edward Jones in Poquoson, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, Regan worked at AR Workshop and The Office Group Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,700 advisors. The firm manages approximately $1.01 trillion in assets and provides additional services including trust operations, affiliated mutual funds, and securities-based lending.

Richard Holden is a CFP® professional with 31 years of industry experience. He has been with Raymond James Financial since 2009. Outside of his advisory work, Holden owns a financial consulting support company and serves as a committee member for the St. Mark Church Endowment Committee, assisting in managing endowment funds. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Judah Stephens is a financial advisor at Morgan Stanley in Newport News, VA, with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Centient1 and Fidelity Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including financial planning that leverages structured discovery processes and firm-approved tools to support tailored client plans.

Edward Spencer is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2006. Outside of his advisory role, he serves on the Endowment Committee of the Virginia Living Museum. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and estate strategies supported by structured processes and firm-approved tools.

Thomas Vitaletti is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63, Series 65, and Series 66 designations and has 33 years of industry experience. Prior to joining Raymond James in 2025, he worked at LPL Financial for 14 years. Vitaletti is also active as a Bank Associate at TowneBank in Williamsburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs conservative, non-discretionary planning and analytical tools to tailor recommendations to clients' goals and is notable for its municipal advisor affiliation and specialized SIMPLE IRA advisory programs.