Andrew Elliot is a financial advisor with Morgan Stanley in Charleston, WV, holding a Series 66 designation. He has experience at Morgan Stanley since 2025 and previously worked at City National Bank. Outside of advisory roles, he serves as a board member of Commercial Holdings Incorporated, a holding company that previously operated a nursing home business, and is a limited partner in a private equity firm, HC Capital Partners. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in assets. The firm employs a structured planning process using tools like Secular Return Estimates and Monte Carlo simulations, serving clients primarily in an advisory capacity.

Edward Nichols is a financial advisor with Morgan Stanley in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes tenures at Citigroup Global Markets from 1993 to 2009, followed by roles at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by approved tools and market simulation techniques.

Richard Vorhees is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo since 2016, with prior experience at Prudential Equity Group. He serves on the Board of Trustees for the First Presbyterian Church in Charleston, WV, where he reviews investment performance and disbursements. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Steven Deshuk is a financial advisor at Edward Jones with 16 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies under a fiduciary standard.

Michael Frontino is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Woodbury Financial for 17 years. Outside of his advisory role, he owns a sole proprietorship licensed to sell life and health insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and offers both discretionary and non-discretionary account management.

Ronald Murad is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations as a Personal Investment Advisor (PIA) and a Retirement Benefits Consultant (RBC). Ronald earned his Bachelor's Degree from West Virginia University. His expertise includes investment management and retirement planning, reflecting his credentials and role in wealth management. Additional personal interests or community involvement information has not been provided.

Lyle Smith is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015, in addition to his ongoing role at United Bank since 1999. Outside of his advisory work, he serves as vice president of Kanawha Roxalana Company, a family-owned land company involved in commercial property management, and he is a committee member and chair of the investment committee at the CAMC Foundation. Merrill, along 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.

Kevin Mc Glothen is a financial advisor with Morgan Stanley in Charleston, West Virginia, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A., and prior to that worked at United Brokerage Services, Inc. Outside of his advisory work, he serves as an assistant high school swim coach and is involved in officiating swim meets. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individuals and institutions, offering financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs and planning services.

Craig Bowden is a financial advisor with RBC Capital Markets in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His work history includes roles at City National Bank, RBC Capital Markets, Bb&T Securities, LLC, and Scott & Stringfellow LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, emphasizing customizable portfolio management and financial planning services.

Jeffery Hiestand is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has spent over three decades at Prudential Insurance Company of America and its affiliate, Pruco Securities, and is currently associated with LPL Enterprise. In addition to his advisory role, he operates an insurance and financial services business in Hurricane, WV. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it also offers affiliated insurance and trust services.

James O'Connor is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has worked with Bank of America and Merrill since 2011. Outside of his advisory role, he is involved in fundraising for the YMCA in Charleston, West 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

George Webb is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 42 years of industry experience, including roles at Cetera Investment Services and Poca Valley Financial. Outside of his financial career, Webb serves as a part-time pastor at Humphreys Memorial UMC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers through a multi-manager platform.

Joseph Randolph is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He previously worked for Fifth Third Securities and Fifth Third from 2010 to 2020. Outside of his advisory role, he serves as treasurer for the Keith-Albee Performing Arts Center in Huntington, WV. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Shahram Shafii is a financial advisor at Edward Jones with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Pacer Financial Inc, PennMutual, and MiMedX. 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, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

James Utterback is a financial advisor with Edward Jones in St Albans, WV, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Edward Jones since 2001. 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, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of approximately 23,701 advisors.

Craig Tuemler is a financial advisor at Osaic with 12 years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Primerica Advisors and PFS Investments Inc. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services with tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing, supporting a range of investment options and account management styles.

Brian Mcclung is a financial advisor with Morgan Stanley in Charleston, WV, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at various Morgan Stanley entities since 2005 and briefly at Wells Fargo Clearing in 2005. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Matthew Carr is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and 29 years of industry experience. He has worked at J.P. Morgan Securities since 2012 and has also been with JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Ethan Turner is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked across multiple Fidelity entities since 2011. Outside of his advisory role, he is a partner at MogumoriWorks LLC, a business involved in buying and selling trading cards. 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 to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Kent Bailey is a financial advisor with Edward Jones in Hurricane, WV. He holds a Series 66 designation and has 12 years of industry experience, all with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices.