Karlena Renan is the Senior Resident Director at Merrill Lynch Wealth Management, where she oversees a team of financial advisors. She brings extensive experience in providing financial strategies and guidance to successful individuals and business owners. Karlena follows a disciplined wealth management process that incorporates time-tested investment principles and adapts to evolving economic conditions. Her approach emphasizes listening closely to clients in order to develop customized strategies that align with their personal and financial goals. Karlena’s expertise includes areas such as college education planning, family wealth management, legacy planning, retirement income strategies, tax minimization, and portfolio management services. She is dedicated to delivering premier service and leveraging Merrill’s extensive resources to help clients navigate each stage of their financial lives. In addition to her advisory role, she has been serving as the Resident Director of Merrill's Plantation, Florida office since May 2013, where she manages the activities of 16 financial advisors. Karlena holds a Bachelor's Degree from Nova Southeastern University and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). She is based in East Fort Lauderdale and enjoys spending time with her family, playing golf, traveling, and engaging in various sports and cultural activities.

Lee Hitchcock is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory services, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which features model-delivery strategies and a limited number of separately managed account options for individual and high-net-worth clients. The firm uses third-party asset managers and an independent due-diligence consultant to oversee its investment models, providing a wrap-fee solution rather than institutional plan management.

Christopher Fines is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, having previously worked with Axa Advisors, LLC. Outside of his advisory role, he is a member of a limited liability company involved in property management and serves as executor for his parents' will. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to clients' goals and risk tolerance.

Albert Merchent is a Senior Vice President and Senior Resident Director - Wealth Management Advisor at Merrill in Fredericksburg, VA. With a career spanning over four decades since 1982, he has dedicated more than 25 years to financial, wealth, and asset management. Albert focuses on helping clients develop personalized financial strategies aimed at pursuing long-term goals, including college education planning, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Science degree in Business Administration from the University of Richmond's Robins School of Business and a Master of Business Administration with a concentration in Finance and Investments from George Washington University's School of Business. Albert has earned several professional designations, including Certified Investment Management Analyst® (CIMA®), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA). His approach is informed by extensive experience navigating market cycles and the power of compounding returns. Beyond his professional work, Albert is active in his community as a member of the Rotary Club of Rappahannock-Fredericksburg and has held various positions at Trinity United Methodist Church. His personal interests include basketball, cooking, football, music, and spending time with his family.

Matthew Pressinger is a financial advisor at Edward Jones with Series 63 and Series 65 credentials. He has been with Edward Jones since 2026 and has a varied work history including roles in education and retail. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branch offices.

Shavkat Safaev is a financial advisor at Edward Jones in Fredericksburg, VA, holding a Series 66 license with eight years of industry experience. Prior to joining Edward Jones in 2025, he worked at Merrill Lynch (Bank of America) for seven years and has experience at AXA Advisors, Cropp Metcalfe, FrankCrum, Blue Ridge Family Insurance Agency, and Catapult Learning. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Robert Miller is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Raymond James Financial and has previously worked at Bank of America and Merrill Lynch. Miller is also president and independent contractor for Lantern Wealth Management in Fredericksburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including high-net-worth individuals, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance advisory services.

Kelly Sherman is a CFP® professional with six years of industry experience currently serving at Edward Jones since 2019. Prior to joining Edward Jones, Sherman worked at Waterstone Mortgage and was involved in real estate with VR Sam Real Estate. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Victoria Thorpe is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 16 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm delivers holistic, goal-based planning that covers a range of financial topics and offers clients the option to combine planning with managed-account services under a consolidated billing system called “WealthPlan.”

Bernard Mason is a Wealth Management Advisor with Merrill Lynch Wealth Management in Fredericksburg, Virginia. He works with individuals and families to develop wealth planning strategies that align with their financial goals, focusing on areas such as college education planning, legacy planning, retirement income, and socially responsible investing. Bernard holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation. He earned a Bachelor of Science degree from Virginia Polytechnic Institute and State University. His approach emphasizes a client-focused process that includes determining financial objectives, developing tailored strategies, implementing appropriate investment vehicles, and regularly reviewing progress to adjust plans as needed. In addition to his professional work, Bernard is involved in community organizations including the American Red Cross, Kiwanis, and the Virginia Tech Alumni Association.

Michael Hayes Jr. is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2006, including prior affiliation with Axa Advisors, LLC. Outside of his advisory role, he is a member of Community Property Group LLC, which owns and occupies an office building. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through a variety of third-party programs. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Mary Long is a financial advisor at Edward Jones with 10 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jaclyn Harbour is a financial advisor at Edward Jones with 5 years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2014. Outside of her advisory role, she has experience assisting as a backup photographer for a wedding photography business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large network of financial advisors and branch offices nationwide.

Bernard Mahon Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and over 40 years of industry experience. His career includes roles at Atlantic Union Financial Consultants, Atlantic Union Bank, and Union Investment Services. Outside of his advisory work, he is a partner in a family real estate brokerage and manages rental investment properties. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ralph Mason is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and seven years of industry experience. His career includes roles at Truist Advisory Services and BB&T, spanning from 2015 to the present. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and probability modeling to support client goals.

Denise Frazer is a CFP® professional affiliated with Edward Jones, based in Fredericksburg, VA, with 17 years of industry experience. She previously spent nine years with First Command Advisory Services before joining Edward Jones in 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branch offices.

Thomas Sullivan III is a Series 66 licensed financial advisor with Merrill, based in Fredericksburg, VA, and has three years of industry experience. He has worked at notable firms including Bank of America and Edward D. Jones. Outside of his advisory role, he serves as the Armed Forces & Government Services Chair for the Georgetown Alumni Club of Metropolitan Washington, D.C., where he helps coordinate alumni engagement and events, and he acts as a consultant for Junk Knight LLC, a family-run junk removal business. 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, and institutional investors.

Paul Lee III is a financial advisor at Edward Jones with the designations ChFC® and Series 66, bringing six years of industry experience. He has served with Edward Jones since 2019 and concurrently holds the rank of Colonel in the United States Marine Corps Reserve, where he acts as a career counselor for senior aviators. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Melanie Ochs is a Series 66 licensed financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Frank Emery is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 34 years of industry experience. He previously worked at Voya Financial Advisors, Inc. and has been with Cetera and its affiliated entities since 2016. Outside of advising, he represents the Education Funding Foundation, assisting high school students and their families with qualifying for college grants. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and planning services with various program options, including access to third-party money managers and model portfolios.