Laura Ward is a financial advisor at Merrill with a Series 66 designation. She joined Merrill in 2024 and has 11 years of prior experience at Aveanna Healthcare. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional fiduciaries.

Christopher Rudzinski is a financial advisor with Raymond James Financial in Glen Allen, VA, holding a Series 66 designation and 21 years of industry experience. His work history includes positions at Atlantic Union Bank and Fidelity Investments. Outside of his advisory role, he is involved as a financial consultant with Atlantic Union Financial Consultants, LLC/AUB Wealth Management. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis, firm research, and a broad affiliate network to support tailored client solutions.

Christian Vanhoose is a Financial Consultant at Fidelity Investments, a role he has held since 2026. Prior to this, he served as an Investment Consultant at Fidelity Investments from 2024 to 2026. His career in financial services began at TIAA, where he worked as a Financial Services Consultant from 2021 to 2023 and then as an Individual Financial Consultant from 2023 to 2024. Christian is licensed in insurance in California. He focuses on meeting clients where they are to educate and guide them toward achieving their financial goals, aiming to provide ongoing support throughout their financial journey. Raised in a small town in Eastern Kentucky, he brings a perspective shaped by his background. Outside of his professional work, Christian enjoys spending time at the beach, exploring food, watching movies, listening to music, and caring for pets.

Gil Elmaleh is a financial advisor with Mass Mutual Investors Services, holding Series 63, Series 66, and Series 65 licenses and bringing 33 years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2012. In addition to his advisory role, he is involved in individual and group life and health insurance sales. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships based on detailed client information and firm-approved analytical tools.

Erin Sutton is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds a Series 66 designation and has worked previously at Truist Advisory Services, Truist Investment Services, Bb&T Securities, and Scott & Stringfellow. Sutton serves as vice president and board member of the Junior League of Richmond, a nonprofit women's charitable organization. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting through its Institutional Fiduciary Solutions division.

Sarah Mack is a financial advisor with Ameriprise in Richmond, VA, holding the ChFC® designation along with Series 63, 65, and 66 licenses. She has 17 years of industry experience, including ten years at Wells Fargo Clearing prior to joining Ameriprise in 2024. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized consulting approach, supported by algorithmic automation and oversight committees.

Joseph Torrice is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds multiple professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Joseph earned his Bachelor's Degree from the University of Virginia. His credentials reflect his focus on retirement planning and fiduciary advising within the wealth management sector.

Megan Sheffield is a Certified Financial Planner® (CFP®) with 13 years of industry experience. She has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a network of over 23,700 financial advisors and more than 15,000 branch offices nationwide.

David Kaplan is a CFP® professional with over 31 years of industry experience, currently serving at Raymond James Financial since 2009. He is also the owner of Forcke, Kaplan & Associates, LLC, a support company he has operated since 2001. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and investment recommendations.

Casey Warcewicz is a Wealth Management Advisor with Merrill Lynch Wealth Management. He takes a consultative and objective approach to wealth management, focusing on understanding each client's complete financial position to deliver appropriate investment planning recommendations. His work emphasizes aligning client goals and objectives with asset allocation, risk tolerance, and tax and estate-planning considerations through carefully prepared and thoroughly analyzed wealth management plans. Casey’s areas of expertise include executive compensation, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s Degree from the University of New Hampshire and a Master’s Degree from Northeastern University. Outside of his professional work, Casey’s personal interests include cooking, football, golfing, reading, and traveling.

Erich Pickelhaupt is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach 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.

Martha Osborne is an Investment Consultant at Fidelity Investments, a role she has held since 2026. In this position, she partners with clients to understand their unique short- and long-term goals and helps build personalized financial plans aimed at achieving those objectives. Prior to her current role, Osborne served as a Planning Consultant at Fidelity Investments from 2024 to 2026. Her career in finance began in 2017 at Virginia Asset Management, where she held positions as an Operations Specialist and later as a Wealth Management Associate. Outside of her professional work, Osborne's personal interests include spending time at the beach, cooking and baking, engaging in family activities, socializing with friends, horseback riding, and traveling.

Joshua Fisher is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His career includes roles at Cetera since 2019 and Foresters Financial Services from 2012 to 2019. He is also managing member of Wealth Cycle Advisors, LLC. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party investment strategies.

Shannon Roth is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 63 designation and 17 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Charles Kerr IV is a financial advisor with Cambridge Investment Research Advisors in Richmond, VA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research Inc. since 2013. Kerr is also an owning partner and agent at Financial Planning Alternatives, where he sells life, long-term care, fixed annuity, and disability products through various independent insurance companies. Cambridge Investment Research Advisors is an SEC-registered firm serving individuals, retirement plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals using various portfolio management strategies and platform arrangements.

Frank Elgin Jr. is a financial advisor with Equitable Advisors in Richmond, VA, holding a Series 66 designation and 15 years of industry experience. He has worked at Equitable Advisors since 2010, including its predecessor firm Axa Advisors LLC. 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 uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

James Jamison III is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2010. Outside of his advisory role, he serves as president and owner of Benefit Design & Administration, Inc., a third-party administrator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Edward Bullano Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked at LPL Financial since 2014. Outside of his advisory role, he is involved with Bullano Enterprises LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

William Lacy is a financial advisor with Mass Mutual Investors Services in Glen Allen, VA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior work includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a member of the Board of Zoning Appeals in Goochland, VA, and volunteers with The Dylan Lacy Foundation for Recovery, which raises funds to support addiction recovery efforts. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning, asset management, and educational programs to individuals, business owners, trusts, and charitable organizations. Their approach involves collaborative, annual financial planning engagements using firm-approved analytical tools to develop investment strategies without discretionary authority.

Rebecca Hollis is a financial advisor with LPL Financial in Richmond, VA, holding a Series 66 designation and having four years of industry experience. She previously worked at Colonial River Investments, LLC, and Fidelity National Title Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a broad range of advisory programs and services, including financial planning, retirement plan consulting, and model portfolio management.