Albert Masood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of advising, he is a silent partner in his daughters' business through Olivia Valais LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

P Murphy is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. Prior to joining Ameriprise in 2019, Murphy worked at Wells Fargo Advisors and Wells Fargo Clearing. Outside of advisory work, Murphy serves as adjunct faculty at multiple universities and coaches a high school girls softball team. Ameriprise is an institutional firm that offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets. The firm provides comprehensive, research-driven recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies, supported by a centralized consulting team and automated analytics.

Patrick Everett is a financial advisor with Ameriprise in Hampton, VA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Ameriprise and its affiliates since 1997. Outside of his advisory role, he owns a tax preparation business, serves on the House Facility Board for Beta Theta Pi at The College of William and Mary, and volunteers with the Peake Childhood Center nonprofit. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations through a centralized consulting team.

Dwight Wagaman is a financial advisor with LPL Financial, holding a Series 66 designation and based in Chesapeake, VA. He has worked in various roles including positions at ThayerMahan, Delta Defense, Point One USA, and Veterans United Home Loans, and served in the United States Navy from 2013 to 2021. He joined LPL Financial in 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Joseph Caldwell is a financial advisor with Wells Fargo Advisors in Virginia Beach, VA, holding a Series 66 designation and 28 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. He is also a part owner of two investment-related firms, Joseph Caldwell, LLC and Schanck Caldwell Investment Consulting Group, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with various financial products and referral channels.

James Reese is a CFP® professional with 27 years of experience in the financial services industry. He has been with Ameriprise since 2005, currently serving as an advisor in Norfolk, VA. Reese holds Series 63 and Series 65 licenses. Ameriprise provides a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Joseph Clayton is a financial advisor with Morgan Stanley Wealth Management in Newport News, VA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he performs as a musician in a band that plays Jimmy Buffett songs and similar genres. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Michael Rapay is a financial advisor with J.P. Morgan Securities LLC, holding a Series 66 designation and six years of industry experience. His career includes roles at JPMorgan Chase Bank, Bank of America, and Merrill. He is a member of the Hampton Roads Estate Planning Council, a local network of professionals focused on estate planning. 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 manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Victor Philleo is a financial advisor with Raymond James & Associates in Virginia Beach, VA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked at Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

Bruce Mcmillin is a financial advisor with Wells Fargo Clearing in Virginia Beach, VA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to his current role starting in 2016, he worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment choices.

Katy Hampton is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.

Jeremy Byrnes is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 licenses and having nine years of industry experience. He has been with Ameriprise since 2017, following a year at Northwestern Mutual Investment Services and Northwestern Mutual Life Insurance Company. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and tax-aware withdrawal strategies based on comprehensive analysis and ongoing advice.

Anna Legrande is a financial advisor at Raymond James Financial with 15 years of industry experience. She holds a Series 66 designation and has worked previously at TowneBank, BB&T Securities, and Scott & Stringfellow. She is associated with The Whitmore Group, which serves as a brand name for her advisory team. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using various analytical tools, supporting clients through its advisory programs and maintaining specialized municipal and retirement plan services.

James Cale III is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 25 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Outside of his advisory role, he serves as a director of Cale Management LLC, a property management business based in Williamsburg, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs to individual and institutional clients. The firm provides tailored financial planning supported by structured processes and tools, managing approximately $2.74 trillion in client assets.

Kate Ryan is a Series 66 licensed financial advisor with nine years of industry experience, currently working at Merrill. She has been with Merrill since 2015, except for a one-year period of unemployment from 2021 to 2022. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Bolling is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 27 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Towne Bank since 2004. He serves as a board member on the Finance and Audit Committees for Nansemond-Suffolk Academy, a local private school. 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 offers tailored, non-discretionary planning and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

Alexandra Babb is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing comprehensive, goals-based wealth management and investment advice to high-net-worth individuals and their families. Alexandra focuses on building and maintaining trusted client relationships by proactively managing their needs, identifying solutions, and providing access to firm resources. She is also a member of The Somers Group’s Investment Committee. Alexandra began her career in the financial industry at Merrill in 2010 as a Financial Advisor. She returned to Merrill and joined The Somers Group in 2023. Prior to her return, she worked at Oppenheimer as a Private Wealth Advisor and at TIAA CREFF as a Wealth Management Advisor. Alexandra obtained her bachelor’s degree in Business Administration and Management from Virginia Tech and earned her M.B.A. from Old Dominion University. She holds several professional designations including CERTIFIED FINANCIAL PLANNER® professional and Chartered Retirement Planning Counselor™. Outside of her professional work, Alexandra serves on the board of directors for Billy the Kidden Rescue. She enjoys swimming, animals, and cooking. She resides in Virginia Beach, Virginia, with her son and daughter.

Kellie Gibbons is a financial advisor with Edward Jones in Virginia Beach, VA, holding a Series 66 designation and six years of industry experience. She has worked at Edward Jones since 2013. 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 solutions, combining a broad retail advisor network with affiliated capabilities such as a trust company and proprietary mutual funds.

Charles Nuttycombe serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management in Newport News, VA, since 2012. In this role, he provides advice and guidance, developing and managing customized investment strategies for clients, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Charles focuses on a broad range of client needs including education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds a Bachelor’s Degree in Economics from Bridgewater College. Outside of work, Charles enjoys baseball, basketball, football, golfing, and spending time with his family.

Neeraj Agarwal is a financial advisor with Cambridge Investment Research Advisors, holding CFP® and ChFC® designations and 18 years of industry experience. Prior to joining Cambridge in 2023, he spent eight years at Lincoln Financial Securities Corporation. He has been involved with the Hampton Roads Society of Human Resources Management for over 15 years and owns an independent insurance agency as well as a financial strategies firm in Virginia Beach. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through independent Financial Professionals, utilizing multiple platform arrangements and both proprietary and third-party investment strategies.