Jack Estep is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and models.

Christopher Alfano is a financial advisor at Morgan Stanley in Richmond, VA, with two years of industry experience. He holds a Series 66 designation and previously worked at OakHeart Financial Group. Outside of finance, he has experience working in golf course and recreational facility operations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory services.

Robert Fischer is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and possessing 37 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and with Citigroup Global Markets since 2006. Outside of his advisory work, Fischer engages in teaching the Six Hats thinking methods and authors a book titled *The Naked Portfolio Manager*. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Gail Waldman is a CFP® with 25 years of experience in the financial industry. She is currently affiliated with Cambridge Investment Research Advisors and has held previous roles at Waldman Financial Advisers and Cambridge Investment Research, Inc. Outside of her advisory work, she serves as a mediator for a variety of issues in Maryland and Virginia and volunteers with a custom laser engraving business. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment implementation options, including proprietary model strategies and access to unaffiliated strategists, with both discretionary and non-discretionary approaches tailored to client objectives.

Joseph Grappone is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 16 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. He serves on the James Madison University Finance & Business Law Executive Advisory Board, advising on finance and business curriculum. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 products and bank deposit sweep options among its investment offerings.

Ryan Jenvey is a financial advisor at Cetera with seven years of industry experience. He holds the CFP® designation and Series 66 license. His prior experience includes roles at Securian Financial Services Inc and Virginia Asset Management. Outside of advisory work, he has served as an agent/broker for fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Lisa Little is a financial advisor with Wells Fargo Advisors who holds the Series 66 designation and has nine years of industry experience. She has been affiliated with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2026. Outside of her advisory work, she serves as an executor for her father's estate. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored recommendations.

Paul Hagen is a Planning Consultant at Fidelity Investments, where he has been serving since 2026. In this role, he focuses on building lasting partnerships with clients by guiding them through personalized financial planning and designing tailored strategies to bring clarity and simplicity to their financial lives while protecting and growing their wealth. Prior to his current position, Paul held several roles at Fidelity Investments, including Relationship Manager from 2024 to 2026, Financial Representative in 2024, and Financial Services Representative from 2023 to 2024. Before joining Fidelity, he gained experience as a Tax Intern at Deleon & Stang from 2022 to 2023. Outside of his professional work, Paul has interests in cars, fishing, motorcycles, outdoor adventures, skiing, and soccer.

Brandon Pope is a Series 66 credentialed financial advisor with Thrivent Investment Management, based in Midlothian, VA. He has experience working at Wells Fargo and Thrivent Financial since 2024. Outside of financial services, his background includes roles at the Virginia Cancer Institute and involvement with several community and church organizations. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing goal-based financial analyses and planning without discretionary trading authority. The firm allows clients to integrate planning with managed-account services under a consolidated billing option while maintaining separate service structures.

Gregory Snow is a financial advisor at Edward Jones with 11 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2014. Outside of his advisory role, he is a partner in a real estate venture focused on purchasing rental properties. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Malleri Temple 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 joining Wells Fargo Clearing, Temple has worked at Wells Fargo Bank, N.A. since 2011. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Kevin Williamson is a financial advisor with Ameriprise, holding a Series 66 designation and over 23 years of industry experience. He has been with Ameriprise and its affiliates since 1997. Williamson manages his practice through an S Corporation and oversees employee and marketing operations via a separate S Corporation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

William McCarthy is a financial advisor at Fisher Investments with 25 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services LLC, Academy Securities, Inc., and Alembic Global Advisors. Fisher Investments serves a global mix of institutional and private clients, including pension and profit-sharing plans, foundations, investment companies, and high-net-worth individuals, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm uses a centralized Investment Policy Committee to construct globally diversified portfolios and employs tax-aware processes and risk management strategies including derivatives and tax-loss harvesting.

Colleen Leithren is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and six years of industry experience. She has been associated with PFS Investments Inc. since 2020 and Primerica Financial Services since 2017. Outside of her advisory role, she is a business owner of Three in Me and an author of the Daily Quest devotional. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm delivers advisory services through a large network of advisors using model-based strategies managed by unaffiliated asset managers.

Nicholas Stiefel is a financial advisor at OSAIC with eight years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining OSAIC in 2023, he worked at Sagepoint Financial, Inc. and Mass Mutual, as well as at the University of Virginia. OSAIC serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing a range of asset-allocation tools, third-party money managers, and portfolio management platforms.

Edward Booth is a financial advisor with Merrill in Richmond, VA, holding Series 65 and Series 66 credentials and seven years of industry experience. He has been with Merrill since 2012 and also has a ten-year background with Bank of America Private Bank. Booth serves as a board member and secretary for the CFA Society Virginia and holds board roles with several environmental nonprofits, including The Nature Conservancy Virginia and Capital Region Land Conservancy. Merrill, together with 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.

Noah Destefano is a financial advisor with LPL Financial who holds a Series 66 credential and has 19 years of industry experience. He has been with LPL Financial since 2013 and also has a role at Averett University since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Joseph Craft is a financial advisor with Edward Jones in Midlothian, VA, holding CFP® and Series 66 credentials and six years of industry experience. He has worked at Edward Jones since 2019 and previously held positions at BB&T, Foresters Financial, Aqua Tots, and Moneyspot. Outside of advisory work, he is involved as a landlord for a residential property in Richmond, VA. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of investment strategies and services, operates under a fiduciary standard, and maintains a large network of advisors and branch offices nationwide.

Kamran Raika is a financial advisor with Wells Fargo Advisors in Richmond, VA, holding Series 63 and Series 65 licenses and has 32 years of industry experience. He has been with Wells Fargo Advisors and its related entities since 2009. Outside of his advisory work, Raika is a co-owner of Ghanshyam Hospitality LLC, which owns a Hampton Inn hotel, serving as a silent partner. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu including specialized services such as business-owner transition planning and special-needs analysis, delivering tailored recommendations supported by Wells Fargo research and planning tools.

Casey Farmer is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018, with prior roles at Bank of America and Wells Fargo Clearing. Outside the financial sector, he spent two years at Tradition Brewing Company. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.