John Bowen is a CFP® professional with 26 years of industry experience and has been a CPA since 1992. He is the owner of Bowen Financial Services, LLC, located in Midlothian, VA, where he serves as one of three advisors. Bowen also operates a separate CPA firm, providing tax compliance and consulting services. Bowen Financial Services, LLC offers fee-only financial planning and discretionary investment management for individuals, families, trusts, estates, and certain small businesses. The firm emphasizes strategic asset allocation with broad diversification, using low-cost, tax-efficient mutual funds and ETFs, and integrates tax and investment planning through its affiliation with a CPA practice.

Ronald Stack is a financial advisor at Cobblestone Asset Management with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Independent Financial Group and National Planning Corporation. He has been associated with Cobblestone Asset Management since 2007 and operates Stack Financial Group for tax purposes. Cobblestone Asset Management provides discretionary portfolio management to individuals, corporations, and other advisors, emphasizing tailored investment strategies that include ETFs, equities, fixed income, and alternative assets. The firm employs multiple analytical methods and offers a platform used by third-party advisors alongside its own advisory services.

Janet Wills is a CFP® with 35 years of industry experience, currently serving at Wills Financial Group, LLC. She has been affiliated with the Wills Financial Group entities since 1989. Wills Financial Group, LLC provides discretionary portfolio management and advisory services to individuals, families, retirement plans, trusts, estates, and foundations. The firm employs fundamental security analysis and maintains balanced allocations across various asset classes, managing over $360 million in discretionary assets as of December 2024.

Kelly Gannon is a CFP®-certified financial advisor with 10 years of industry experience, currently with James River Asset Management, LLC. Her prior experience includes roles at J.W. Cole Financial, Inc., Cetera Investment Services, and Foresters Financial Services. James River Asset Management serves individual, high-net-worth, and institutional clients, providing discretionary portfolio management, integrated financial planning, and pension consulting. The firm employs proprietary model portfolios overseen by an internal investment committee, using fundamental analysis and a long-term investment approach across various risk levels.

Marcelo Ampie Zelaya is a CFP® with four years of industry experience currently serving at Commonwealth Retirement Investments LLC. He has been with Commonwealth Retirement Advisors since 2021. Commonwealth Retirement Investments advises individuals and families, primarily those in or near retirement, providing personalized financial planning and discretionary portfolio management tailored to retirement goals. The firm manages approximately $377 million for around 337 households and employs strategies including dividend-growth equities, fixed income, tactical equity ETFs, annuities, and cash-management allocations.

Alvin Miller Jr. is a financial advisor with James River Asset Management, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with James River Asset Management and its affiliated James River Wealth Advisors since 1995. Prior to this, he worked at Valmark Securities, Inc. and J.W. Cole Financial, Inc. James River Asset Management serves individual, high-net-worth, and institutional clients, managing approximately $273.8 million across 411 clients with a team of five advisers. The firm offers discretionary portfolio management, integrated financial planning, and pension consulting, utilizing proprietary model portfolios with a fundamental and long-term investment approach.

Keith Muth is a financial advisor at Watch Hill Financial Inc with a Series 66 designation and four years of industry experience. He has worked at several firms including Private Advisor Group, LLC, Mariner Independent Advisor Network, and Securian Financial Services. In addition to his advisory role, Muth is a co-founder of Muth Financial LLC, a tax planning and consulting business. Watch Hill Financial Inc. is an SEC-registered investment adviser that provides wealth management, financial planning, and consulting services to a diverse client base including individuals, corporations, pension plans, charitable organizations, and institutional investors. The firm employs a goals-based, long-term investment approach with discretionary portfolio management and may leverage independent managers and custodial relationships with major broker-dealers.

Jeremy Shipp is a CFP® with 13 years of industry experience, currently serving at RCPlanners in Midlothian, VA. His work history includes roles at Moneytrax North America Inc., Retirewise University, First Advisors National, LLC, Harbor Wealth Advisors, LLC, and others. He is licensed to sell insurance products and dedicates approximately 25% of his time to insurance-related activities. RCPlanners provides financial planning and discretionary investment supervisory services to individuals, trusts, estates, charitable organizations, corporations, and other business entities. The firm uses a combination of fundamental and technical analysis alongside a proprietary retirement income model that addresses multiple retirement risks, offering tailored portfolio management for individual and high-net-worth clients.

Michael O'Shaughnessy is a financial advisor at Ascent Financial Group with a Series 65 designation and one year of industry experience. Prior to joining Ascent Financial Group, he worked at Journey Health & Lifestyle, Stanley Black & Decker, and Capital One. He volunteers with CancerLINC, providing assistance with account organization and debt consolidation to individuals affected by cancer. Ascent Financial Group offers comprehensive financial planning and portfolio management services primarily for individual and high-net-worth clients. The firm employs a mix of fundamental, technical, cyclical, and economic analysis to manage client portfolios on a discretionary basis and provides ongoing planner access and implementation.

Nathan Ward is a Series 65-licensed financial advisor with W & S Management Services, Inc. in Richmond, VA, where he has worked since 2015. He has nine years of industry experience. W & S Management Services provides discretionary portfolio management and comprehensive financial planning to individual investors, high-net-worth individuals, trusts, estates, and closely held businesses. The firm emphasizes fundamental analysis and long-term portfolio management, with a distinctive affiliation to a Certified Public Accounting practice that supports coordinated tax and financial planning.

Nathan Nielsen is a financial advisor at Mission Financial Planning, Inc. in Richmond, VA, holding a Series 66 designation with two years of industry experience. Prior to joining Mission Financial Planning, he worked at Charesse J Hagan and Ameriprise. Mission Financial Planning, Inc. is a fee-only firm serving individuals, business owners, and retirement-plan sponsors, including high-net-worth clients. The firm provides comprehensive financial planning services and operates in an advice-only capacity, focusing on personalized asset allocation, written investment policy statements, and non-discretionary monitoring.

Kirsten Ashbaugh is a CFP® with six years of industry experience, currently serving as an advisor at Manuka Financial since 2025. Her prior roles include positions at Private Advisor Group, LLC, LPL Financial, LLC, ZeroFOX, and the National Geospatial-Intelligence Agency. She also maintains a home-based business entity for tax and investment purposes. Manuka Financial works with individual and high-net-worth clients, offering discretionary investment management alongside ongoing and project-based financial planning. The firm employs a Modern Portfolio Theory approach, primarily using passive, asset-class portfolios and conducts quarterly account reviews.

Cynthia Bowen is a CFP® professional with five years at Bowen Financial Services, LLC and prior experience at DuPont totaling five years. She has two years of industry experience as a financial advisor. Outside of her advisory role, she is involved in a short-term rental real estate business. Bowen Financial Services serves individuals, families, trusts, estates, and small businesses, including many high-net-worth households, offering fee-only financial planning and discretionary investment management. The firm employs a strategic asset-allocation approach grounded in academic research and integrates tax compliance and consulting through an affiliated CPA practice.

Craig Bram is a financial advisor at Horizon Capital Management, Inc. in Richmond, VA, holding a Series 65 designation with 31 years of industry experience. He has been with Horizon Capital Management since 1995 and previously worked at Synalloy Corporation for nine years. Horizon Capital Management serves individual clients by providing discretionary investment supervisory and portfolio management services, complemented by limited financial planning on an hourly or fixed-fee basis. The firm focuses on selecting individual equities using fundamental and technical analysis, emphasizes long-term holdings with low turnover, and maintains a small, founder-run practice with personalized account management.

John Blair is a financial advisor with South Atlantic Capital Management Group, Inc. in Richmond, VA, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. He joined South Atlantic Capital in 2019 after working as a private investor and at EI Capital Distributors. South Atlantic Capital Management Group provides discretionary portfolio management for a range of clients including individuals, trusts, and pension plans, focusing on value-oriented, company-specific investment strategies. The firm manages core equity accounts and balanced strategies while also sponsoring the Shinn Creek Fund L.P., a private pooled vehicle for qualified investors with a distinct investment approach involving leverage and short positions.

Christopher Lee is a Certified Financial Planner™ (CFP®) with 11 years of industry experience. He has been with Commonwealth Retirement Investments LLC since 2017 and previously worked at Lincoln Financial Advisors Corporation from 2014 to 2017. Commonwealth Retirement Advisors serves individual clients and families, primarily those nearing retirement, offering personalized financial planning and discretionary portfolio management. The firm manages approximately $306 million in assets across about 314 households and employs a process that includes comprehensive retirement planning, customized asset allocation, and tailored investment strategies.

James Duty is a CFP® with 29 years of industry experience and is a principal at Roseline Capitol Advisors, LLC in Richmond, VA. He has been involved with Roseline Tax Advisors PLLC, Roseline Financial Group, LLC, and Roseline Capitol Advisors since 2005. Roseline Capitol Advisors provides discretionary and non-discretionary investment management and consulting services to high-net-worth individuals, trusts, retirement accounts, not-for-profits, foundations, and other institutions. The firm uses a combination of charting, technical, fundamental, and cyclical analysis to manage portfolios tailored to client risk tolerance and preferences, and it operates with a relatively high advisor-to-client ratio, focusing on a limited, high-touch client base.

Beth Bradberry is a CFP® professional with seven years of industry experience, currently serving as an advisor at Roseline Capitol Advisors, LLC in Richmond, VA. She has been affiliated with the Roseline group of firms, including Roseline Tax Advisors PLLC and Roseline Financial Group, LLC, since 2005. Roseline Capitol Advisors provides discretionary and non-discretionary investment management and consulting to high-net-worth individuals, trusts, retirement accounts, not-for-profits, foundations, and other institutions. The firm uses a combination of charting, technical, fundamental, and cyclical analysis to create customized portfolios and integrates tax consulting and financial planning through its affiliated CPA practice.

Daniel Rodriguez is a financial advisor at Hill Wealth Strategies in Richmond, VA, holding a Series 65 designation with five years of industry experience. He previously worked at Hampton Motor Corporation for seven years before joining Hill Wealth Strategies. Hill Wealth Strategies is a fee-based financial planning and investment management firm that serves individuals, including high-net-worth clients, by providing comprehensive planning and coordinating asset management through a third-party money manager. The firm acts as a co-advisor without custody of client assets or discretionary trading authority, focusing on documented investment approaches and ongoing client communication.

John Mason Antrim is a financial advisor at Dover Advisors, LLC with three years of industry experience. He holds a Series 65 designation and previously worked at Middleburg Trust Company for 23 years before a brief retirement period. Dover Advisors serves individuals, high net worth clients, families, trusts, estates, and businesses with wealth management, investment management, and financial planning services. The firm uses a long-term, discretionary investment approach that includes ETFs, stocks, bonds, mutual funds, and alternative investments, combining fundamental and technical analysis with regular account monitoring.