Ernest Davidson Jr. is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors Corporation for 32 years. He also serves as a wealth advisor with Capitol Financial Solutions. 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 affiliated advisers and various advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party resources to manage portfolios across multiple asset classes.

William Hassett is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a trustee for a trust in Ponte Vedra Beach, Florida. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, offering a range of investment and planning solutions without individual security recommendations in standalone plans.

Susan Carman is a financial advisor at Merrill in Richmond, VA, holding Series 63 and Series 66 licenses with 34 years of industry experience. She has been with Merrill since 2009. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mary Torrice is a Senior Financial Advisor specializing in comprehensive wealth management strategies at Merrill Lynch Wealth Management. She provides concierge service by overseeing and coordinating the financial affairs of clients and their families, aiming to simplify their financial lives as the primary point of contact for wealth management. Mary utilizes a team of professionals from Bank of America and Merrill to assist with additional financial goals including estate planning, banking, lending, securities lending, life insurance, and long-term care. Her expertise encompasses college education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. Mary works closely with clients who are near or in retirement, those seeking consolidation of financial advisors, or individuals interested in obtaining a second opinion on their financial strategy. She and her support team are committed to providing personalized, attentive service and measurable value to clients. Mary holds a Bachelor's Degree from Longwood University and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of her professional role, she is involved in community volunteering and enjoys soccer, swimming, tennis, and spending time with her family.

Karis Cox is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on providing clients with customized financial strategies that address their unique goals and priorities. Her approach involves a thorough assessment of clients’ current situations, objectives, concerns, and timelines to develop personalized wealth management plans. Karis specializes in areas such as executive compensation, family wealth management, legacy planning, philanthropic planning, personal retirement planning, tax minimization, and portfolio management. She also provides services tailored to endowments, foundations, non-profits, small businesses, and women and wealth. Karis holds a Bachelor's Degree from Roanoke College and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

Hayden Kierl is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and eight years of industry experience. He previously worked at The Vanguard Group for five years and has been with Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s investment process combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Brady Smith is a financial advisor at LPL Financial with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Virginia Asset Group, Sona Bank, and Infinex Investments. Outside of his advisory work, Smith serves with the Richmond Fire Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and technology-driven solutions.

William Garter is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a discretionary 3(38) option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Phifer is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment searches, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marc Cram is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has also been with Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of his advisory role, he is involved in the hospitality industry as a partner and officer in multiple restaurant and bar ventures in Richmond. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Geoffrey Barnhouse is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Ricoh US for eleven years and has experience in other roles including at Peter Blair Accessories and Virginia Commonwealth University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides detailed recommendation reports and ongoing advice focused on income stability and tax-efficient withdrawal strategies.

Ashley Costanzo is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 66 designations and with 10 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and a broad range of capital markets services.

John Reid is a financial advisor at Edward Jones with 35 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Edward D. Jones & Co., L.P. since 1990. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of advisory and investment solutions under a fiduciary standard.

Christopher Benonis is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to Edward Jones, he worked at Direct Energy for one year. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Derek Braxton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and no prior industry experience. His previous roles include positions at UIC Bowhead, Falconwood Inc., LMI, and service in the Virginia Army National Guard. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Weslie Green Mineart is a financial advisor with Ameriprise in Richmond, VA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, she owns a business called The Lady Gang and serves on the Board of Directors for the Central Virginia Financial Planning Association as Forum Committee Chair. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Michael Sanson is a CFP® with 37 years of experience in financial services, currently affiliated with Cetera. His career includes roles at Virginia Asset Management and Securian Financial Services, among others. He is a partner in a private equity investment LLC and an officer in a sales company outside of the investment industry. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Ashley Hargrove is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 63 designation and possessing 25 years of industry experience. She has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

Mark Kim is a financial advisor at Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses with one year of industry experience. His prior work includes roles at Wells Fargo Bank, Instacart, and DoorDash, as well as five years at VCU School of Business. 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, supported by research from Wells Fargo Investment Institute and third-party data.

Robert Martin is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at First Citizens Bank 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, utilizing research from Wells Fargo Investment Institute and third-party sources.