Charles Allen is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. He previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company from 2013 to 2019. Outside of his advisory role, Allen is also involved in music as a part-time musician. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by model portfolios, third-party research, and technology-driven strategies.

Dustin Dodge is a financial advisor at Robert W. Baird & Co. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Financial Engines Advisors and Edelman Financial Services. Dustin is part of the DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by ongoing manager selection and internal research.

Justin Rouse is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans and investment strategies tailored to their specific goals and needs. He has been with Fidelity Investments since 2023, progressing through roles including Investment Solutions Representative and Investment Consultant before assuming his current position in 2025. Prior to joining Fidelity, Justin worked as an Agent at New York Life in 2022. Justin's professional experience encompasses various aspects of financial consulting and investment services, reflecting a commitment to client-focused financial planning. Outside of his professional work, he has interests in fitness, golf, military service, pets, and running.

Thomas Heaton is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has 28 years of experience guiding clients through complex markets and significant life events. Heaton specializes in goal-based investment strategies focused on long-term retirement planning and risk management, incorporating principles of Behavioral Finance to help clients avoid emotional decision-making related to greed and fear. His services extend to comprehensive financial solutions including banking, mortgages through Bank of America, investments, risk management, and estate planning. Heaton holds a Bachelor's Degree from the Pennsylvania State University System and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He emphasizes understanding clients' life priorities to create personalized plans aligned with their goals and aspirations. Heaton works alongside his assistant, Nina Sjogren, who supports his clients with administrative needs. Outside of his professional role, Heaton enjoys golfing, running, and spending time with his family. He lives in Hanover County and is married with two daughters who have graduated from Virginia Tech.

Christopher Geary is a CFP® with 22 years of industry experience, currently affiliated with Wells Fargo Advisors. His prior roles include positions at OSAIC, Triad Advisors, Gallagher Fiduciary Advisors, Independent Financial Group, LLC, F3Logic, LLC, and National Planning Corporation. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria. The firm uses proprietary research and planning tools to develop customized recommendations delivered through meetings and written summaries.

Fletcher Metz is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses firm-approved tools and models to assist clients in developing personalized strategies.

Howard Burd is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping families, executives, and business owners manage their wealth and the enterprises they have built. Howard's expertise encompasses executive compensation, family wealth management strategies, small business strategies, individual and corporate investment strategy, and tax minimization. Prior to his current role, Howard served over 11 years in the United States Marine Corps, achieving the rank of Captain. During his military career, he advised senior leaders on fiscal operations, logistics, supply chains, contracting, and resource management. After his service, he worked in banking and institutional sales, including positions at J.P. Morgan and Amerivet Securities. Howard holds the Series 7, 63, and 65 licenses and is a Personal Investment Advisor (PIA). He graduated from Embry-Riddle Aeronautical University and completed professional military education at the Marine Corps Expeditionary Warfare School. Outside of work, Howard enjoys chess, running, and spending time with his family.

Noah Harvey is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. His work history includes roles at Wells Fargo Bank, Northern Virginia Community College, LL Bean, Virginia Commonwealth University, Wegmans, and Fairfax High School. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, serving plan sponsors with tailored investment solutions.

Ian Patrick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He advises clients on family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and socially responsible, values-based, and ESG investing. He also focuses on tax minimization, retirement income, and small business strategies. Ian earned a bachelor's degree in economics from the University of Colorado at Boulder and a master's degree from the University of North Carolina System. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ian is fluent in English and Spanish. He is active in the Richmond, Virginia community where he resides with his wife and three daughters. Ian serves on the board of directors of Belltower Pictures and volunteers with the James River Association and Rotary International. His personal interests include boating, music, scuba diving, singing, skiing, and soccer.

Jill Jeter is a CFP® professional with 25 years of experience in financial advising, currently with Raymond James Financial Services Advisors, Inc. Her prior roles include positions at Lion Street Financial, Mercer Global Advisors, and Pinnacle Wealth Solutions. She is a partner at PJ Capital LLC, an independent Raymond James branch where she manages payroll and payables. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

Joshua Visconti is a CFP® professional with 13 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Outside of his advisory role, he is involved in strength training and firearm instruction through his ownership of IRON FORGED GRIT, LLC, and serves on the fundraising committee at Saint Michael Catholic Church. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Chris Rysak is a Financial Consultant currently working at Fidelity Investments since 2023. He has previously held positions as a Financial Consultant and Investment Consultant at Charles Schwab from 2016 to 2023, as well as roles at T. Rowe Price and Vanguard, where he specialized in retirement and client relationship administration respectively. His approach involves collaborating with clients to develop financial plans that address wealth accumulation, preservation, distribution, and legacy considerations. Chris emphasizes understanding clients' goals and adapting plans as their circumstances evolve to maintain alignment with their changing objectives. Details regarding his education, credentials, personal interests, or community involvement were not provided.

Philip Beethoven Wilson is a financial advisor with Cambridge Investment Research Advisors in Richmond, VA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Minnesota Life Insurance Co, Securian Financial Services Inc, and Virginia Asset Management. He is also involved in several entrepreneurial ventures, including ownership positions in PBW Financial LLC and Ephesians 210 LLC. Cambridge Investment Research Advisors serves a diverse client base ranging from individuals and retirement plans to charitable organizations and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a variety of portfolio management approaches and multiple platform arrangements.

Joseph Tuck is a financial advisor with LPL Financial in Richmond, VA, holding a Series 66 designation and 26 years of industry experience. He previously worked at Lincoln Financial Securities Corporation for five years before joining LPL Financial in 2018. Outside of his advisory role, he is involved in non-variable insurance activities in Richmond, VA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and model portfolios from LPL and third-party subadvisors.

Kara Topping is a financial advisor at RBC Capital Markets with a Series 66 designation and over 20 years of industry experience. She previously worked at Wells Fargo Advisors for 21 years and Capital One Financial for two years. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.

Holly Huebsch is a financial advisor with Ameriprise in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Ameriprise and its affiliates since 1993. Outside of advising, she manages shared office expenses for a suite used by multiple Ameriprise advisors. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Rochele Nelson is a financial advisor with Merrill in Richmond, VA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. She has been with Merrill since 2004. Outside of her advisory role, she serves as a general partner and managing member of Adorning in Prayer Ministries, where she teaches and preaches through prayer conferences and seminars, and is involved in merchandising prayer products. Additionally, she works with Leona's Love Garden, a charitable organization focused on urban farming, youth programs, and community outreach. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Jared Lewis is a CFP® with 17 years of industry experience, currently serving at Cetera since 2023. He has previously worked with Virginia Asset Management and Minnesota Life Insurance Company, including their affiliate Securian Financial Services. Outside his advisory role, he co-owns Irongate Capital Advisors, LLC, a firm involved in securities offering, advisory, and insurance services. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, leveraging a large network of advisors and affiliated third-party managers.

Madelyn Flinn is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. She previously worked at Zola for seven years and held roles at S'well and Toyota Tsusho America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Robert McGuire is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Bank and Wells Fargo Advisors LLC since 2013. Wells Fargo Clearing provides retirement plan consulting services 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.