Stephanie Caudill is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Andrew Foldenauer is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank from 2020 to the present. Foldenauer serves on the board of the Virginia Mentoring Partnership and is president of the Midlothian Rotary Club. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, and charitable clients with tailored investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services through a variety of advisory programs.

S Dunbar is a financial advisor at Morgan Stanley with 39 years of industry experience. Their career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. They hold Series 63 and Series 65 designations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through a network of financial advisors and specialized planning groups.

Rebecca Baughman 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 affiliated entities since 2016. Outside of her advisory role, she is involved in real estate ownership unrelated to her investment practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Robert Kaltenschnee is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 credential and has worked previously at Truist Advisory Services, Truist Investment Services, Bb&T Securities, and Scott & Stringfellow. 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, offering model-based and discretionary strategies to a range of individuals and institutions.

Michael Ramkey Jr. is a financial advisor at Fidelity with six years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones and Cornerstone Senior Services LLC. Ramkey’s current role at Fidelity began in 2021. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to various clients, including retail and institutional investors. The firm employs a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, and serves roles such as commodity pool operator and advisor to multiple registered investment companies.

Mary Ashby is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1997. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies and owns Your Money GPS, LLC, which is dedicated to Primerica business activities. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options structured as wrap-fee solutions. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, providing a range of strategic and tax-aware investment models.

Severiano Garcia Corradi is a financial advisor at Merrill with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Myers Park Country Club, Augusta National Golf Club, and Compass Real Estate. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Joshua Haddad is a financial advisor at Thrivent Investment Management with seven years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019 and previously worked at Liberty University from 2016 to 2019. Outside of his advisory role, Haddad is involved in a housing project that provides below-market rental properties to church staff and students. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary portfolio management.

Joey Snyder is a ChFC® credentialed financial professional with 15 years of industry experience. He is currently affiliated with Cetera and has served in various roles including at Minnesota Life Insurance Company and Securian Financial Services. Outside of standard advisory activities, Snyder is involved as an agent and broker at North Star Consultants, focusing on fixed insurance sales. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets with more than 10,000 advisors.

Steven Jancarek is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial goals and develop strategies to support their short-, mid-, and long-term objectives. Steven provides guidance on a range of financial topics, including investing, retirement planning, and saving for unexpected expenses. He also facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Steven holds the Professional Investment Advisor (PIA) designation. He completed his high school education at Varina High School and attended George Mason University without earning a degree. His approach centers on helping clients identify what matters most to them and their families to create tailored financial strategies.

Gloria Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds the Series 65 and Series 63 designations and has been with Wells Fargo Clearing Services since 2018. Prior to that, she worked at Wells Fargo Bank NA starting in 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Joseph Andriano is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized financial plans that align with their unique short-, mid-, and long-term goals. His approach emphasizes understanding each client's priorities and perspectives to guide them through wealth planning with clarity and transparency. Joseph specializes in areas including college education planning, equity compensation services, legacy planning, and tax minimization. He serves as a comprehensive resource for investment strategies, retirement preparation, and unexpected financial needs, also facilitating access to Bank of America specialists for additional banking, credit, home financing, and small business solutions. He holds a Bachelor's Degree from Hampden-Sydney College and has earned the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Outside of his professional work, Joseph enjoys fishing, hiking, skiing, and tennis.

William Rice Jr. is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Monica Handy is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley in 2021. Outside of her advisory role, she owns MJHandy Marketing, Planning & Consulting and Fora Travel, where she acts as a travel advisor. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools without offering individual security recommendations as part of its standalone planning program.

Christopher Dennis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. He worked at TIAA and TIAA-CREF from 2007 to 2020 before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he co-owns a business selling fishing gear and attire. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

William Irby is a financial advisor with RBC Capital Markets, holding a Series 66 license and bringing 12 years of industry experience. He has been with RBC since 2012 and also has experience with City National Bank. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations, offering various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Christin Bonomonte is a financial advisor at Fidelity with 10 years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2021, with prior experience at Kestra Financial, LPL Financial, and The Main Street Group. Bonomonte serves on the board of directors for Forward Foundation RVA, a nonprofit organization supporting women through classes, counseling, and family services. Christin is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios using mutual funds, ETFs, and ETPs.

Arlen Penfield is a CFP® professional with 19 years of experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at TowneBank and Wells Fargo in various capacities over an 18-year span. Outside of his advisory role, Penfield serves as a deacon and member of the finance and investment committee at Salem Baptist Church. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm utilizes risk profiling and analytical modeling to tailor non-discretionary advice aligned with client goals and supports a wide network of advisors and affiliated firms.

Maxim Stupak is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to his current role, he worked at J.P. Morgan Securities and Wells Fargo Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.