David Bruce is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Shannon Carter is a CFP® professional with 20 years of industry experience, currently associated with Cambridge Investment Research Advisors. She has been with Cambridge since 2014 and also operates Carter Advisory Services LLC, providing strategy and business finance consulting. Carter serves as a board member for The Owners Club at The Homestead Homeowners Association and works as a divorce planning specialist and expert witness. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing multiple custody platforms and a variety of portfolio strategies tailored to client objectives.

James Strano is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at multiple firms including MML Investors Services and MassMutual Life Insurance. Prior to his financial services career, he served with the Henrico County Division of Fire for 21 years. Cambridge Investment Research Advisors serves a diverse client base—including individuals, retirement plans, charitable organizations, and trusts—providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions, including proprietary models and access to third-party managers, with services delivered under various custody arrangements tailored to client objectives.

Robert Read is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and with 10 years of industry experience. He previously worked at Oneamerica Securities and has a background with American United Life. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm combines research and analytics with diversification principles to evaluate investment options and offers both brokerage and advisory solutions.

Appaiah Ballachanda is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2012 and previously worked at Claris Financial, LLC for five years. Outside of his advisory role, he is involved in financial education through Abacus Educational Services, LLC, and owns Abacus Consortium, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Andrea Saunders is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2013 to 2016. She holds the Series 66 designation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s 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.

Charles Williams Jr. is a financial advisor at LPL Financial with 42 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Williams previously worked at The Main Street Group, LTD from 2015 to 2018. In addition to his advisory role, he is involved with Huguenot Financial Services Co., where he provides fixed insurance products including health, disability, long-term care, and various life insurance policies. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning, advisory programs, and retirement consulting services supported by in-house and third-party research, with discretionary and non-discretionary management options.

William Bower is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Fidelity Investments, Charles Schwab and Co., TD Ameritrade, Raymond James Financial Services, and Atlantic Union Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Sarah Neale is a financial advisor with Ameriprise in Chesterfield, VA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. She worked at Ameriprise Financial Services, Inc. from 2006 to 2018. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial 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 and provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Adam Burch is a financial advisor with Merrill in Richmond, VA, holding Series 63, 65, and 66 designations and nine years of industry experience. He has been affiliated with Bank of America and Merrill since 2006. Outside of his advisory role, he serves as a board member of the Virginia Foundation for Independent Colleges, a nonprofit supporting 17 independent colleges and universities in Virginia. Merrill provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Harraj Sandhu is currently a Planning Consultant at Fidelity Investments, where he works collaboratively as part of a financial planning team. He focuses on helping clients transform complex financial decisions into clear and actionable strategies tailored to their individual goals and priorities. Harraj has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, providing him with a broad perspective on client needs and financial planning processes. His approach emphasizes careful listening, attention to detail, and proactive strategy coordination to develop adaptable financial plans. Outside of his professional responsibilities, Harraj has interests in board games, cooking and baking, fitness, movies, reading, and traveling.

Dustin Smith is a financial advisor at Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 credentials with one year of industry experience. Prior to joining Wells Fargo, he worked in the insurance sector for nearly a decade, including roles at Liberty Mutual Insurance Company and Comparion Insurance Agency. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research from Wells Fargo Investment Institute alongside third-party data to guide its investment approach.

David Bonjo is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including customized financial planning supported by structured discovery conversations and firm-approved tools.

Jason King is a CFP® professional with 26 years of experience, currently serving at Ameriprise since 2009. He holds Series 65 and Series 63 licenses and is based in Richmond, VA. Outside of his advisory role, he makes his personal residence available occasionally for commercial or film location shoots. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement planning advice focused on income reliability and tax-aware withdrawal strategies.

John Koziol is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and previously worked at ePlus Technology Inc, Kelly Services, and RM Lucas. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Dalton Kitchen is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 credential and has worked at Merrill since 2020 and Bank of America since 2021. Prior to his roles in finance, he spent five years at Radford University. 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, pension plans, and charitable organizations.

Terrance Edwards is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and 16 years of industry experience. His prior work includes roles at City National Bank, Edward Jones, Cary Street Partners, and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers tailored advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a mix of in-house and third-party investment managers.

Jaclyn Cha is a financial advisor at Charles Schwab with 13 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at several firms including Fidelity and TD Ameritrade before joining Charles Schwab in 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and provides multi-asset model portfolios supported by in-house research and alternative investment due diligence.

James Cox III is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 66 credentials and possessing 28 years of industry experience. He has been with LPL Financial since 2006. He serves as a for-profit board member of Riskalyze. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies within its investment approach.

Ethan Greene is a Planning Consultant at Fidelity Investments, where he has been serving since 2025. He works closely with clients to build meaningful, long-term relationships by understanding their unique personal and financial circumstances. By gaining insight into clients' values, priorities, and financial goals, he helps establish financial plans and review strategies to empower clients to pursue their goals with confidence and clarity. Prior to his current role, Ethan held positions at Fidelity Investments as a Relationship Manager from 2024 to 2025 and as a High Net Worth Service Associate from 2023 to 2024. Before joining Fidelity Investments, he worked as a Financial Professional at Equitable from 2020 to 2023. Outside of his professional career, Ethan's personal interests include food, social events with friends, music, outdoor adventures, and soccer.