Anne Southworth is a Series 66-licensed financial advisor with Morgan Stanley in Richmond, VA, bringing 25 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and comprehensive financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored planning and various investment products.

Daniel Castaneda Dulyx is a Series 66-licensed financial advisor at Fidelity with 23 years of industry experience. His career includes roles at Fidelity Personal and Workplace Advisors, FIDELITY Brokerage Services LLC, and Charles Schwab. He is currently based in Midlothian, VA. Fidelity’s Strategic Advisers LLC, of which Daniel is a part, provides investment management and advisory services to a broad client base including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, including model portfolios and fund advisory services.

Joshua Powell is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and beginning his advisory career in 2026. Prior to joining Wells Fargo Clearing, he spent ten years at Columbia University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory offerings supported by research and analytics from Wells Fargo Investment Institute and other sources.

Nicolaus Robinson is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and three years of industry experience. He has been with Wells Fargo Clearing since 2022 and has worked at Wells Fargo Bank, N.A. since 2010. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jeffrey Jones is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he has worked as a delivery driver and package handler in non-investment-related positions. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a program that emphasizes managed accounts and uses algorithmic automation overseen by a dedicated committee.

Perry Guthrie is a financial advisor with Merrill in Richmond, VA, holding Series 63 and Series 66 licenses and 17 years of industry experience. His work history includes positions at Bank of America, JPMorgan securities, FedEx, and Mutual of Omaha. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through model-based and discretionary investment strategies. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Karl Tweardy is a financial advisor at Fidelity with 31 years of industry experience and holds Series 63 and Series 66 credentials. His career includes roles at several firms, including Ameriprise Financial Services, United Brokerage Services, and CUNA Mutual Group. He is based in Richmond, VA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its advisory role to multiple registered investment companies and its use of systematic methodologies and AI in portfolio management.

Kelli Senopole is a financial advisor at Morgan Stanley in Richmond, VA, holding a Series 66 designation with 2 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Michael Housden is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and its affiliated entities since 2009, with prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and does not provide individual security recommendations within its standalone planning services.

David Esposito is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, with prior experience at Wells Fargo Clearing and Wells Fargo Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios constructed from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Sahid Parsard is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Cetera and Navy Mutual Aid Association. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Bruce Mccook is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. His career includes roles at Primis Bank, Virginia Asset Group, Infinex Investments, and Banc of America Investment Services, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and a broad network of over 22,800 advisors.

Terrence Wassel is currently Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2021. In this position, he focuses on utilizing Fidelity's resources and planning expertise to develop and maintain financial plans tailored to clients' priorities, emphasizing communication and regular strategy reviews. Prior to joining Fidelity, Mr. Wassel accumulated extensive experience at Charles Schwab and Co. from 1999 to 2021, holding various positions including Financial Consultant, Fixed Income Specialist, Investment Consultant, Portfolio Consultant, and Investor Services Representative. His career progression reflects a broad expertise in financial consulting and investment advisory services. Details regarding his education, credentials, personal interests, and community involvement were not provided.

Mohammad Samkari is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes multiple roles at Wells Fargo and its affiliates, as well as positions at LPL Financial, Truist Bank, and Old Point National Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Cheryl Silver is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and possessing 13 years of industry experience. She worked at Merrill for 14 years before joining Wells Fargo in 2017. Outside of her advisory role, she serves as a part-time substitute in the Virginia Beach Public Schools and works part-time as a real estate agent. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Robert Muller is a financial advisor at Stifel with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel since 2015. Outside of his advisory work, Muller officiates high school basketball games with the Central Virginia Basketball Officials Association. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to support client decision-making.

Anju Dhaliwal is a financial advisor at Cetera with six years of industry experience. She holds the ChFC® designation and Series 66 license. Prior to her current role, she worked with Virginia Asset Management and Securian Financial Services. Dhaliwal is also involved in fixed insurance sales through Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and advisory services through a nationwide network of independent advisors and operates a multi-manager platform with a range of program options and custodial relationships.

Christopher Spearman is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes multiple roles at Wells Fargo and a prior tenure at Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, wrap-fee programs, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Coty Heiser is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing Services since 2016, also working with Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Samuel Price Jr. is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 credentials and 39 years of industry experience. His prior roles include positions at Securities America Advisors, Inc., VOYA Financial Advisors, and SSN Advisory Inc. He is also the owner of Price Financial Services, an insurance-related business. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed-account solutions. The firm employs asset-allocation tools and risk assessments to construct portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.