Gavin Kendall is a financial advisor with OSAIC based in Midlothian, VA. He holds a Series 66 designation and has one year of industry experience. Prior to joining OSAIC, he worked at Capitol Financial Solutions and Northwestern Mutual, and also has background in financial planning and management roles outside the investment industry. Kendall is also an insurance broker, soliciting fixed insurance products for clients. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a range of investment options and uses firm-supported tools and third-party platforms to construct and manage client portfolios.

Randall Tootle is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has served as a Financial Advisor since 1999. He specializes in areas including college education planning, family wealth management strategies, liquidity management, and portfolio management services. Randall holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the designation of Retirement Benefits Consultant and Personal Investment Advisor (PIA). Prior to his career in financial advisory, Randall worked for Anheuser Busch in a business consulting role across various markets in the Southeast. He is a graduate of Florida International University, where he also played soccer. Randall resides in Chesterfield with his wife, Shannon, and their two sons.

James Amato is a financial advisor with Equitable Advisors in Midlothian, VA, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with Equitable Advisors since 2014 and was previously associated with Axa Advisors. In addition to his advisory role, Amato works as a tax preparer for a local CPA firm. Equitable Advisors serves individual clients—including non-high-net-worth and high-net-worth investors—as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs delivered through a network of investment adviser representatives and third-party managers.

Janine North is a financial advisor at Fidelity with Series 63 and Series 65 credentials and eight years of industry experience. She previously worked at Wells Fargo Bank NA and Wells Fargo Clearing Services, LLC from 2016 to 2024. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of model portfolios, its role as a commodity pool operator registered with the CFTC, and its advisory work with multiple registered investment companies.

Kathleen Maccubbin is a financial advisor at Primerica Advisors with six years of industry experience. She holds the Series 63 and Series 65 designations. Her background includes prior roles at the University of Maryland, McCormick, and the Baltimore County Public Library. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, offering model-driven investment strategies supported by third-party asset managers and custodial services.

Chad Cieslewicz is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been assisting clients since 2015. He focuses on simplifying the financial lives of high-net-worth individuals by providing customized strategies that address investments, education planning, retirement income, and wealth transfer. Chad works closely with clients on estate planning and tax minimization strategies, collaborating with their other professional advisors to optimize financial resources effectively. Chad's areas of expertise include college education planning, divorce transition planning, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and retirement income. He holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree in finance from Christopher Newport University, where he was also a member of the football and rugby teams. Chad resides in Richmond, Virginia with his fiancée, Mallory. In his free time, he enjoys football, golfing, and spending time with his family.

Erynn Menefee is a Financial Consultant currently working at Fidelity Investments, a role she has held since 2021. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2020 to 2021. Her experience in the financial services industry includes positions at Morgan Stanley, RiverFront Investment Group, Wells Fargo Advisors, and Davenport & Company LLC. Erynn's professional background encompasses various roles such as Senior Registered Client Associate, Wealth Advisory Associate, Regional Sales Consultant, and Registered Client Associate. Her work focuses on supporting clients through complex financial situations and helping them understand how these relate to their overall financial picture.

Jason Habel is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds the Series 66 designation and has worked at various Morgan Stanley entities since 2001, including Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. 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 and financial planning services supported by structured planning tools and investment research, managing approximately $2.74 trillion in client assets.

James Collins is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 designations and 18 years of industry experience. His prior roles include positions at CUNA Mutual Group, Colonial Life, and independent insurance brokering focused on disability income. Collins is based in Midlothian, VA. 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 recommendation reports and ongoing retirement-income planning advice using proprietary research and algorithmic tools.

Christopher Moore is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior experience includes ten years with Lincoln Financial Securities Corporation and over two decades operating Moore Financial Services. He is also a commissioned notary in the state of Virginia. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor resources and technology.

Adam Williamson is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate for over 15 years. His other business activities include fiduciary services as an attorney-in-fact (power of attorney). Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Bivas Ghosh is a financial advisor at Ameriprise with 23 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2002. Outside of his advisory role, he is involved in managing businesses that purchase tax lien certificates and deeds across multiple states. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jeanette Bishop is a financial advisor with Primerica Advisors in Petersburg, VA, holding Series 63 and Series 65 licenses and with 44 years of industry experience. She has been with Primerica Advisors since 1981 and Primerica Financial Services since 1980. Outside of advisory work, she is involved in the sale of loan products and home-related services as well as ownership of a private LLC. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program that relies mainly on model-based strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from third parties.

Dragan Uzelac is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has worked at UBS since 2018, following roles at Merrill and Bank of America. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and mutual fund distribution. The firm combines institutional trading capabilities with wealth management, offering a broad range of services supported by proprietary research and capital markets expertise.

Jason Montgomery is a financial advisor with Wells Fargo Clearing in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors, LLC. Outside of his advisory role, he is a co-owner of a beach house rental property in Kill Devil Hills, NC. 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 services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sophia Crowe is a financial advisor with Wells Fargo Clearing in Richmond, VA. She holds a Series 66 designation and has been in the industry since 2023, with prior experience at Contractors USA Incorporated and involvement with the YMCA. She also attended James Madison University from 2021 to 2025. 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 approach 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.

Coley Eckenrode is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at Virginia Asset Management and Select Brokers LLC. He is also involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to third-party managers through various program structures and custodial relationships.

Kelly Ross is a financial advisor at Morgan Stanley with 18 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. 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 that utilizes structured discovery conversations and firm-approved tools to model financial outcomes.

Alexander Larou is a financial advisor at Cetera with a Series 66 credential and one year of industry experience. He has previously been affiliated with Virginia Asset Management and has a background that includes time at the Virginia Military Institute. Outside of his advisory role, he also works as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a national firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and supports multiple program structures and investment approaches.

Lane Wilson is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.