Emilia Penney is a financial advisor at Morgan Stanley with eight years of industry experience. Her prior roles include positions at J.P. Morgan Chase Bank, Bank of America, Merrill Lynch, and Freeman's. She served on the board of the Virginia Museum of Fine Arts for seven years. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery processes and firm-approved tools.

Forrest Fox is a financial advisor with Wells Fargo Clearing Services, LLC, holding a Series 66 designation and bringing 10 years of industry experience. He previously worked at Edward Jones for one year before joining Wells Fargo in 2017. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Mark Dalton is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Dalton has ownership in a family business entity, Dalton Family, 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 options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Stemmle is a financial advisor with Ameriprise, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise since 2011. Outside of his advisory role, he serves as president of the VCU Alumni Association Richmond Chapter and provides pro bono financial planning. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through a collaborative, non-discretionary approach.

Devin Palmese is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Wealthcare Advisory Partners, and other firms. Palmese is also an independent insurance agent through his own business, Palmese Financial LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches and platform arrangements, delivering solutions through a network of independent financial professionals.

Gregory Gerczak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on creating wealth management strategies for entrepreneurs, business executives, and retirees. Greg's work involves helping clients advance their personal, professional, and philanthropic goals through personalized financial planning. He is a qualified Portfolio Manager who provides traditional financial advice and guidance while also building and managing individualized investment strategies. These strategies may include individual stocks, bonds, and third-party investment options. Greg may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Greg holds the Certified Investment Management Analyst® (CIMA®) accreditation, earned after studying at the University of Pennsylvania's Wharton School, and the Certified Private Wealth Advisor® (CPWA®) designation. He graduated from The Ohio State University. Outside of work, Greg enjoys golfing and spends time with his wife, Lexie, and their two sons, Hayes and Harry. He is a member of Hermitage Country Club and The Commonwealth Club.

Quyen Chung is a financial advisor at Morgan Stanley with 39 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank, National Association since 2015. Chung holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and incorporates advanced modeling techniques such as Monte Carlo simulations in its planning process.

Brendan Toone is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, with prior experience at Bank of America, Merrill, Private Advisors LLC, and MSI Financial Services, Inc. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model financial outcomes, serving clients primarily in an advisory capacity.

Kevin Foster is a financial advisor at Edward Jones in Chesterfield, VA, with eight years of industry experience. He has held his current position since 2017 and previously worked for twenty years at TruGreen. Foster holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various types of households and organizations. The firm offers a broad range of advisory strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Bryan Norfleet is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved as a trustee of an irrevocable life insurance trust. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Dianne Willier is a Financial Consultant currently working at Fidelity Investments since 2014. She has built a professional career in the financial services industry, focusing on understanding clients' short and long-term goals and developing customized financial plans tailored to individual needs. She prioritizes strong client relationships based on trust, responsiveness, honesty, and competency. Her professional background includes experience as a Registered Associate at Morgan Stanley from 2008 to 2012, Branch Operations Manager at UBS Financial Services between 2007 and 2008, and various roles at Davenport & Company LLC from 1989 to 2004, including Assistant Vice President - Research, Vice President - Institutional Sales, and Registered Associate. Additionally, she served as an Equity Trader and Officer at Wachovia Securities from 2006 to 2007. Dianne holds an AR Insurance License. Outside of her professional work, she has personal interests in cooking and baking, social events with friends, hiking, pets, and yoga.

James Carleton Jr. is a financial advisor at Ameriprise in Richmond, VA, holding a Series 66 designation. He has prior experience at Silvercrest Asset Management Group and James River Insurance Company. He serves on an alumni board in a non-investment-related capacity. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver customized recommendation reports.

Wendy Williams is a CFP® with 22 years of industry experience and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Advisors, LLC for one year. She serves on the finance committee of the Richmond Society for the Prevention of Cruelty to Animals, where she oversees financial management and internal controls. 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 grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Karen Higgins is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service geared toward individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a wide range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Daniel Scott is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with UBS and its predecessor, Painewebber Incorporated, since 1990. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and relies on proprietary research and model-based asset allocations to tailor client solutions.

Bradford Ellis is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has previously worked at SunTrust Advisory Services, SunTrust Investment Services, and Edward Jones. He also served on the Fredericksburg City Council for 10 years and currently serves on the WhistlePunk Homeowners Association Board in Snowshoe, WV. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Emily Roinnel is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. Prior to joining Cetera, she has worked in various roles including positions at Virginia Asset Management, Harrisonburg County Public Schools, and James Madison University. Outside of finance, she has experience working in small business operations at Sergio's Italian Market and Vito's Italian Market. Cetera Investment Advisers LLC distributes its services through a large nationwide network of independent advisors and serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment strategies, including discretionary and non-discretionary portfolio management and access to third-party money managers.

David Shannon is a financial advisor at UBS Financial Services in Richmond, VA, holding a Series 66 designation with 17 years of industry experience. He worked at Merrill from 2009 to 2017 before joining UBS in 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Alexander Dempsey is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Ameriprise, where he has worked since 2022, following prior roles at Janney Montgomery Scott, Wells Fargo Clearing, and First Command Financial Planning. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Michael Kelly is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Sawgrass Country Club and DeerCreek Country Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary portfolio management, fund advisory services, and model portfolio delivery, distinguishing itself with its registration as a commodity pool operator and its use of AI-driven research methodologies.