Karen Davis is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she co-owns rental properties in Deltaville, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 investment options, including insurance-related vehicles and bank deposit sweep programs.

M Polinchock is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and 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 solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marcie Neiger is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is focused on implementing disciplined investment management strategies that involve creating highly defined plans with specific objectives, and working with clients to establish investment portfolios designed to meet those objectives. Marcie’s client focus includes family wealth management strategies, portfolio management services, and retirement income planning. Marcie holds a Bachelor’s Degree from Franklin and Marshall College and has earned the Personal Investment Advisor (PIA) designation. She is actively involved in her community, serving as a board member of St. Johns College High School and contributing to the Yellow Ribbon Fund, an organization supporting wounded, ill, and injured service members, caregivers, and their families throughout recovery. Her personal interests include biking, golfing, hiking, reading, and spending time with her family.

Lizzu Castaneda-Dulyx is the Vice President and Branch Leader at Fidelity Investments, where she leads and develops a team of associates to engage clients in financial planning conversations. She focuses on driving client primacy and assisting clients in achieving their financial goals. She has been with Fidelity Investments since 2019, initially serving as Assistant Branch Manager before her current role beginning in 2020. Prior to joining Fidelity, she worked as a Financial Planner at Mass Mutual Financial Service from 2014 to 2019.

Benjamin Fauber is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. Fauber’s current role at Fidelity began in 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Catherine Danford is a financial advisor at OSAIC with 29 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Royal Alliance Associates, Signator Investors, and John Hancock Mutual Life Insurance Co. She also operates an LLC under the name Capitol Financial Solutions and is involved in researching fixed insurance products such as long-term care and life insurance for clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of integrated financial services and uses various analytical tools and third-party platforms to construct and manage customized investment portfolios.

Ralph Saunders Jr. is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016 and has been involved with Chesterfield County Schools since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 investment options, including insurance-related vehicles and bank deposit sweep programs.

Emily Dunstan is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Suntrust Investment Services and BB&T Investment Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles to multiple registered investment companies and fund-of-funds.

Wendy Miller is a financial advisor at Cetera with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked with firms including Virginia Asset Management and Minnesota Life Insurance Co. Miller is also involved in fixed insurance sales as an agent. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment strategies.

Whitney Welty is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and six years of industry experience. She has been with Wells Fargo Clearing since 2019 and has worked at Wells Fargo Bank, NA since 2013. 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 modern portfolio theory, with an expanded investment menu that includes insurance-related vehicles and bank deposit sweep options.

Edward Velasquez is a financial advisor with Edward Jones in Midlothian, VA, holding a Series 66 credential and having 13 years of industry experience. He has been with Edward Jones since 2013. 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 more than 23,700 financial advisors nationwide.

Eva Day is a Financial Advisor at Merrill Lynch Wealth Management, where she assists individuals, families, and business owners in navigating complex financial decisions related to growth, transition, and legacy planning. She specializes in creating strategies that bring clarity and structure to various areas including investment management, education funding, retirement income, wealth transfer, and estate planning. Her professional background includes a multicultural European influence and a global perspective, which she incorporates into her intentional approach to wealth management. She collaborates closely with clients' legal and accounting professionals to develop coordinated long-term financial strategies aligned with their evolving goals. Eva holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations and is pursuing a degree at Southern New Hampshire University focused on finance, leadership, and ethical problem-solving. Beyond her advisory role, Eva is actively involved in community service and nonprofit leadership, including previous roles with Arts Alliance and ongoing participation in organizations such as the Foodbank of Southeastern Virginia and the Eastern Shore, United Way of South Hampton Roads, and the YWCA South Hampton Roads. She communicates fluently in English, German, Yoruba, and Turkish. Personal interests include dancing, hiking, interior decorating, pickleball, running, and spending time with family.

Christopher Beal is a Series 66-licensed financial advisor with Morgan Stanley in Richmond, VA, and has 23 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2017, preceded by roles at Bank of America and Merrill. Outside of his advisory work, Beal serves on the Board of Trustees for Hampton Roads Academy and owns a recreational charter business called Island Charters in Poquoson, Virginia. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and provides advisory services that include estate planning and investment strategies.

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.

Sarah Wilson is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds Series 65 and Series 63 licenses. Prior to her current role, she worked at Wells Fargo Bank, N.A. for five years. 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 and analytics from Wells Fargo Investment Institute and third-party sources.

Evan Spencer is a Financial Consultant at Fidelity Investments, where he works with clients to develop financial plans aimed at helping them achieve their financial goals. He has been with Fidelity Investments since 2020, progressing through roles including Customer Relationship Advocate, Financial Representative, Stock Plan Associate, and Investment Consultant before assuming his current position in 2024. Throughout his tenure at Fidelity, Evan has gained experience in client relationship management and investment consulting, contributing to his expertise in financial planning. Outside of his professional work, he has interests in baseball, fitness, golf, and outdoor adventures.

Jason Madison is a CFP® professional with 16 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and ongoing tenure with Wells Fargo Bank NA since 2007. Outside of his advisory role, Madison performs as a stand-up comedian in various cities across Virginia. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Susan Hulcher is a Series 66-licensed advisor with RBC Capital Markets in Richmond, VA, bringing 10 years of industry experience, all of which have been with RBC since 2016. She serves on the board of Blue Star Families of Richmond, a nonprofit supporting mothers of active-duty military members, where she is the 2nd Vice President and Blue to Gold Liaison. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs combining discretionary and non-discretionary portfolio management, financial planning, and brokerage services.

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.