Harry Horning is a financial advisor with Osaic Wealth, Inc. in Manassas, VA, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. Prior to joining Osaic in 2023, he worked for Sagepoint Financial, Inc. from 2009 to 2023. Outside of his advisory role, Horning has entrepreneurial experience in life insurance sales and tax preparation, and he serves as treasurer for the Kena Shrine Band, a nonprofit organization. Osaic Wealth, Inc. serves a broad client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisors and multiple advisory platforms. The firm uses asset-allocation tools, risk-tolerance questionnaires, and efficient-frontier analysis to construct diversified portfolios, offering access to a variety of investment vehicles with discretionary and non-discretionary management options.

Kevin Mccall is a financial advisor with Primerica Advisors in Springfield, VA, holding Series 65 and Series 63 licenses and having 11 years of industry experience. His prior work includes roles at American Color and Virginia Canopy Tours. He is involved in non-investment related referrals for home security and automation products through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services primarily through model-based recommendations supported by third-party asset managers and custodians.

James Bennett is a financial advisor with Cambridge Investment Research Advisors in Manassas, Virginia. He holds Series 65 and Series 63 licenses and has four years of industry experience. His prior roles include positions at Cetera Advisors, Anchor Financial Group, and OneAmerica Securities, alongside running Ryan Bennett LLC since 2021. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm delivers solutions through a large network of independent professionals, offering a range of portfolio management options and proprietary and third-party investment strategies.

Pamela Luckie is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since the early 2000s. Her other business activities include the sale of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors and select corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and operates with approximately 3,935 advisors across nearly 1,829 offices, managing about $15.5 billion in assets under management.

Adam Entin is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has also worked at Wells Fargo Bank, NA since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. 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.

Timothy Vessell is a CFP® with 29 years of industry experience, currently serving at LPL Financial since 2009. He holds Series 63 and Series 65 licenses and operates out of Woodbridge, VA. In addition to his advisory role, he is involved in insurance brokerage, including sales of term life, universal life, LTC insurance, disability insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with a variety of model portfolios and research resources.

Carlos Velasco II is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 credential and previously worked at Capital One Bank and SunTrust Bank. Outside of his advisory role, he is a general partner and managing member of Brasileirei, a limited liability company involved in inventory management and finance. Merrill, together 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 individuals, high-net-worth clients, and various institutional investors.

Jerry Pemberton is a financial advisor with Primerica Advisors in Stafford, VA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has worked with PFS Investments Inc. since 2011 and Primerica Financial Services since 2010. Outside of his advisory role, he is a licensed real estate broker and owner of a sole proprietorship focused on real estate sales and property management, and he also works as a tax preparer and real estate instructor in Florida. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-driven investment strategies managed primarily by third-party asset managers and supports account custody and trade execution through BNY Mellon Advisors and Pershing.

Aeda Chung is a Series 66-licensed financial advisor with Merrill in Woodbridge, VA, and has seven years of industry experience. Her prior roles include positions at Wells Fargo Advisors and UBS Financial Services Inc. She has been with Bank of America and Merrill since 2020. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services under the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers a range of model-based and discretionary investment strategies managed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Vanessa Amaral Velasco is a Series 66 licensed financial advisor at Merrill with six years of experience in the industry. She has held roles at Merrill and Bank of America and has been involved in education, including positions at Strayer University and Northern Virginia Community College. Outside of her advisory work, she operates Brasileirei LLC, a Brazilian beachwear ecommerce business. Merrill, together 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 individuals, high-net-worth clients, and institutional investors.

Joanne Claypoole is a financial advisor at Ameriprise with 7 years of industry experience. She holds Series 66 and Series 63 designations and has been with Ameriprise since 2013. 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 retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Delia Arhiri is a financial advisor with LPL Financial, holding the ChFC® designation and Series 63 and 65 licenses, and has 20 years of industry experience. She has held positions at firms including Navy Federal Financial Group, MassMutual, and CUNA Brokerage Services. Outside of advisory activities, she is the owner of Premier Life Design, LLC, a home-based business unrelated to investments. 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 financial planning, various advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by internal and third-party research.

Doreen Trammell is a Series 66-licensed financial advisor with Thrivent Investment Management in Alexandria, VA, where she has worked since 2023. She has three years of industry experience and previously held roles at Rowene Kroesen and Calvary Church of the Nazarene. Outside of finance, she is involved in wellness coaching through Youngevity and serves as co-president of the Hayfield Garden Club, a civic association focused on gardening and community activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering holistic, goal-based financial planning without portfolio management or discretionary trading authority. Their approach integrates planning with managed-account options under a consolidated billing service called WealthPlan.

Beverly Taylor is a CFP® and Series 66-registered financial advisor with 22 years of industry experience. She currently works at Fidelity Investments and has previously held roles at Ameriprise Financial Services, Securian Financial Services, and Minnesota Life. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to build model portfolios across mutual funds, ETFs, and ETPs.

William Howard is a financial advisor at Ameriprise with 17 years of industry experience. He has been with Ameriprise and its related entities since 2014. Howard holds Series 65 and Series 66 credentials. He is co-owner of CFI Management Group LLC, through which he manages his advisory business. 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 a written Recommendation Report and ongoing retirement-income planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

Timothy Mccleerey is a financial advisor with Ameriprise in Woodbridge, VA, holding a Series 66 designation and 15 years of industry experience. He has worked with Ameriprise and its affiliate since 2012. He is also employed by Certainty of the Uncertainty, LLC, an advisor-owned entity established to manage his practice. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports delivered in partnership with its financial advisors.

Terrance Blount is a financial advisor with Equitable Advisors in Dumfries, VA, holding Series 63 and Series 65 credentials and 43 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor Axa Advisors, Llc. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring client services based on documented goals, risk tolerance, and time horizon.

Jimmy Coates is a financial advisor with Primerica Advisors in Springfield, VA, holding Series 63 and Series 65 licenses and having 13 years of industry experience. His prior work includes roles at Intuitive Research and Technology Company, Radiance Technologies, Inc., and several other firms. He is also involved in sales of loan products and home security and automation services through affiliates of PFS Investments Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and manages approximately $15.5 billion in assets, delivering advisory services through model-based investment strategies.

Kathleen Catts is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2007. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nathan Mc Larty is a financial advisor with LPL Financial in Springfield, VA, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Wells Fargo Advisors, New York Life Insurance Company, and CUSO Financial Services. He is also involved with Apple Federal Credit Union in an investment-related capacity. 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 of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.