John Williams is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with RBC Capital Markets since 2010. Williams has also served as an independent contractor arbitrator in FINRA dispute resolution. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Kathleen Thompson is a Certified Financial Planner (CFP®) with 19 years of industry experience. She has worked at Morgan Stanley since 2019, including a current role at Morgan Stanley Private Bank, N.A., and previously held positions at Davenport & Company LLC and World Capital Advisors, LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and methodologies.

Mark Wolf is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Fannie Mae and Freddie Mac, as well as running Wolf Consulting LLC. Outside of his advisory work, he is a partial owner of an investment-related 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 investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Anne Marie Carlson is a financial advisor at Edward Jones in Midlothian, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked at CoStar Group and United Therapeutics, and has a history of involvement with Wyonegonic Camps. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory strategies supported by a large network of financial advisors and a diverse set of affiliated services.

John Delandro III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in working with physicians, business owners, and high-income professionals, focusing on building enduring legacies rather than simply managing portfolios. His expertise includes corporate benefits, executive compensation, family wealth management strategies, legacy planning, and retirement income. John's approach emphasizes transforming financial capital into lasting permanence through disciplined stewardship and generational development. He aims to ensure that each generation inherits not only resources but also the wisdom and leadership necessary to build upon them. He holds a Bachelor's and a Master's Degree from Saint Leo College and has earned the Personal Investment Advisor (PIA) designation. Beyond his professional role, John is actively involved in the Richmond community, serving as a member of the Rotary Club of Richmond, All Saints Episcopal Church, and the Virginia Passenger Rail Authority board. He previously chaired the Henrico Education Foundation and was active with the West Richmond Businessman's Association. John's personal interests include spending time with family, enjoying occasional cigars, cooking, and traveling.

Jane Jenkins is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as Vice President of Finance-Treasurer for The Woman's Club of Richmond. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and offers a wider range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kathryn Smith is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. 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 menu.

Gaurav Shrestha is a CFP® with 22 years of industry experience, currently serving at Cetera since 2023. He has a long tenure at Select Brokers, LLC and Virginia Asset Management, where he is an owner offering securities, advisory, and insurance services. Outside of his advisory roles, Shrestha serves as a board member of the Salisbury Country Club. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services, utilizing both affiliated and third-party managers across discretionary and non-discretionary program structures.

Al Morris is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. In his work, Al focuses on developing financial plans that align with clients' individual stories and experiences. He emphasizes the importance of trust and comfort in client relationships and continuously seeks to deepen his understanding through ongoing development and collaboration with colleagues. Outside of his professional role, Al has interests in baseball, fitness, hiking, horseback riding, running, and traveling.

Latosha Wilkerson is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she works as a fitness instructor at Gold's Gym and a fitness coach at Boho Cycle Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and advanced modeling tools in its financial planning approach.

Kenneth Sizemore is a financial advisor at Morgan Stanley with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including his current role at Morgan Stanley Private Bank, National Association since 2015. Prior to Morgan Stanley, he spent eight years at Citigroup Global Markets. Outside of his advisory role, he serves as a church elder and investment committee board member at Second Presbyterian Church of Roanoke, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and analyses to assist clients, while clients retain responsibility for plan implementation.

Joseph Taylor is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Minnesota Life, and Securian Financial Services. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Vickie Crawford is a financial advisor at Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 designations with 24 years of industry experience. Her prior roles include positions at Financial Engines Advisors, EF Legacy Securities, and Edelman Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and provides financial plans through direct and employer-based arrangements.

Fredric Macholz is a financial advisor at Wells Fargo Clearing in Richmond, VA, with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves on the board of Atlantic Medical Solutions, assisting with marketing and productivity. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Dickerson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1999 as a Financial Advisor and is part of the Dickerson & Tootle Group, which focuses on delivering comprehensive wealth management services to individuals, families, corporate retirement plans, and non-profit organizations. The group emphasizes a hands-on and holistic approach to financial guidance. Richard holds several professional designations including the CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He completed his bachelor's degree at George Mason University. Prior to his career in financial advising, Richard served as an International Trade Specialist with the U.S. Department of Commerce and was on active duty in the Military Intelligence branch of the U.S. Army as an Interrogator. He is multilingual, speaking Russian, Serbo-Croatian, and English. Richard resides in Powhatan with his wife Kathryn and their two sons, and they are involved in various community organizations. His personal interests include fishing, hunting, music, spending time with his family, and traveling.

George Krohn IV is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, N.A., and UBS since 2013. Based in Richmond, VA, Krohn has spent the past four years at UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, providing access to proprietary research and a variety of capital markets and lending solutions.

Francis Sam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at several firms including Morgan Stanley and CUNA Brokerage Services. He has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2020. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, offering non-discretionary advisory programs supported by a centralized due-diligence framework.

Michael Barnes is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing Services since 2018, with prior roles at Wells Fargo Bank NA, Verizon, and Gracious Living Realty. 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 modern portfolio theory, with an investment menu that notably includes insurance-related vehicles and bank deposit sweep options.

Sheldon Drake is a financial advisor at OSAIC with 33 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, he worked at SagePoint Financial and has operated Drake Hughes & Associates since 2001. He also represents Brayshaw Financial Group in Virginia. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to deliver portfolio management that includes stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Daniel Halpin is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services and prior positions at RVA on Wheels and JR Caskey, Inc. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that address income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered through a centralized consulting team, serving clients with a broad range of advisory, brokerage, and insurance solutions.