Charles Ricketts is a financial advisor with Ameriprise in Midlothian, VA, holding Series 65 and Series 66 licenses and possessing 18 years of industry experience. He has been with Ameriprise and its affiliated entities since 2008. Ameriprise offers a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary, tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Erik Ott is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise Financial Services, Inc. and Ameriprise since 2014. Outside of his advisory role, he owns Monroe Lane, LLC, a business focused on managing his Ameriprise practice. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm uses a combination of investment research, third-party data, and algorithmic tools to provide ongoing retirement advice centered on income sources and tax-aware withdrawal strategies.

Josiah Worley is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has previously worked at Rent The Help and in educational roles at Hampden-Sydney College and Benedictine College Preparatory. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services through a nationwide network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and utilizes research, model portfolios, and advanced technologies across its offerings.

Melvin Mitchell is a financial advisor at Cetera with 11 years of industry experience. He holds the Series 63 and Series 65 credentials. His prior work includes roles at Lyft and Foresters Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with over 10,000 advisors managing more than $256 billion in assets.

Alexander Howell is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. His prior roles include positions at BlackBox Research and Jones, Swanson, Huddel & Daschbach. Equitable Advisors serves individuals—including non‑HNW and high‑net‑worth clients—corporations, pension plans, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm leverages a network of Investment Adviser Representatives and third-party asset managers to provide customized investment solutions.

Peggy Lawhorne is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. She has been with LPL Financial since 2006 and previously worked at Claris Financial, LLC. Lawhorne is also a licensed notary public. LPL Financial serves a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management supported by research and model portfolios from various sources.

Jeremy Johnson is a financial advisor with Equitable Advisors, holding a Series 66 designation and currently beginning his career in the industry. He has prior work experience at Arrabon and a 16-year tenure at FedEx Express. He was also involved with Bon Air Baptist Church for over a decade. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives and third-party asset managers.

Gregory Raines is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 registrations and has 32 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2011 and has a long history with Travelers Insurance Group and The Commonwealth Group dating back to 1987. Outside of his advisory work, he serves as CEO of GSRC Inc, which provides payroll and benefit services, and holds leadership roles in several insurance and benefits-related businesses. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing proprietary models and third-party strategists across multiple platform arrangements.

Kenneth Elkins is a financial advisor with Cambridge Investment Research Advisors in Richmond, VA, holding Series 63 and Series 65 designations and 25 years of industry experience. He has been with Cambridge since 2011. Elkins serves as a board member for the Cooperative Baptist Fellowship Church Benefits Board and volunteers with Christopher Newport University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a range of portfolio management approaches and proprietary model strategies.

Christopher Greear is a financial advisor with Equitable Advisors in Richmond, VA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Valic Financial Advisors, and Axa Advisors. Outside of his advisory work, he occasionally supports a local business called Killa Dillas in Richmond by assisting with purchasing and record keeping. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm uses a range of advisory programs and third-party asset managers to deliver tailored investment solutions.

Mark Davis is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has been with LPL Financial since 2004. Davis has authored a manuscript on the basics of investing, which he is seeking to publish. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources while providing both discretionary and non-discretionary management.

John Harvie is a CFP® professional with 32 years of experience in the financial services industry. He has been with Wells Fargo Advisors since 2020 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Harvie holds ownership interests in multiple investment-related entities and serves as power of attorney and executor for family investment matters. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial product sales and referral channels.

Marcus Rather is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. He has worked with Foresters Financial Services and Foresters Advisory Services before joining Cetera in 2019. Outside of his advisory role, he is also a notary. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Traci Anne Dracoulis is a CFP® professional with 13 years of experience in the financial services industry. She is affiliated with Cetera and has previously worked at Truist, BB&T Securities, and MassMutual. Outside of her advisory role, she is a partner in a custom woodworking business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Thomas Ogrady is a financial advisor with Mass Mutual Investors Services based in Glen Allen, VA. He holds Series 63 and Series 65 licenses and has 37 years of industry experience with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company. In addition to his advisory role, he is involved in life and health insurance sales and manages client assets through his ownership of an LLC. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved tools and offers specialized planning programs in areas such as divorce and estate settlement.

Michael Mills is a financial advisor at Cambridge Investment Research Advisors with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cambridge Investment Research Advisors since 2016. Outside of his advisory role, he serves as a committee member for the Boy Scouts of America Troop 709, assisting with promotions, community service, and administration. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, delivering a range of portfolio management and model-based solutions tailored to client objectives.

Nathaniel Snider is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He is a Certified Financial Planner dedicated to helping clients and their families grow their wealth, protect their income, and simplify their financial lives. Nathaniel has been with Fidelity Investments since 2014, progressing through various roles including Financial Representative, Investment Consultant, and Financial Consultant before becoming Vice President. Prior to joining Fidelity, he worked as a Financial Consultant at ICMA-RC in 2019. Outside of his professional career, Nathaniel is engaged in family activities and enjoys interests such as fitness, gardening, hiking, parenthood, and reading.

Lucas Jones is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds a Series 66 designation and has held roles at PJ Capital Partners LLC, where he is an owner and officer, as well as at Z3Capital Partners and Mahler Capital Management. His other business activity includes serving as president and 50% owner of PJ Capital Partners LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance through a unique affiliation with a municipal advisor.

John Gerard is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and eight years of industry experience. He has worked at Ameriprise since 2018 and previously held positions at Virginia Polytechnic Institute and State University and Virginia Asset Management. Gerard is also co-owner of LDL LLC and Kasch Levitch McAleer and Associates LLC, both investment-related businesses. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s retirement offering includes written Recommendation Reports and ongoing annual advice focused on dependable income and tax-aware withdrawal strategies.

Madeline Graves is a financial advisor at Fidelity with one year of industry experience. She holds a Series 66 designation and has previously worked at Charles Schwab, TCV Trust and Wealth Management, and in legal and academic roles. Outside of finance, she was involved with Uncle Jon's Coffee for eight years. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of fundamental research, quantitative analysis, and systematic portfolio construction to deliver model portfolios and advisory solutions.