Josette Smith is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. She previously spent 20 years at The Strategic Financial Alliance, Inc. Smith also operates Rappahannock Tax Services, providing tax preparation and accounting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of non-advisory financial activities.

Crystal Piazza is a financial advisor with Merrill in Fredericksburg, VA, holding a Series 66 designation and three years of industry experience. Her work history includes roles at Merrill since 2017 and Bank of America, N.A. since 2022, as well as two years at Woodforest National Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Riley Mead is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, Mead had a brief tenure at Merrill Lynch, Pierce, Fenner & Smith Incorporated. Outside of the financial industry, Mead is involved with SeaSuiteCruises. 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 a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

David Brennan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. and has been affiliated with Dominion Eagle Financial Group, Inc. since 2002. He serves as an instructor for a voluntary seminar on retirement planning. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and supports a wide range of financial programs delivered through affiliated broker-dealer and RIA relationships.

Stephen George is a financial advisor at Raymond James Financial with 10 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing Services and Edward Jones. In addition to his advisory role, he serves as a financial consultant with Atlantic Union Bank and Atlantic Union Bank Wealth Management in Fredericksburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes non-discretionary, tailored planning and consulting supported by risk profiling and modeling tools, and is notable for its municipal advisory affiliation and specialized SIMPLE IRA employer consulting services.

Edward Vollbrecht is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. Prior to joining Raymond James, he worked at Truist Investment Services and BB&T Investment Services. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and utilizes advanced modeling tools to support client decision-making.

Shivani Singh is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has been with Merrill and Bank of America since 2015. Outside of her advisory role, she serves as treasurer on the board of the Hunter's Pond Homeowners Association in Stafford, Virginia. 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, pension plans, corporations, and charitable organizations.

Susan Mann is a financial advisor with Edward Jones in Fredericksburg, VA, holding a Series 66 designation and having 10 years of industry experience, all with Edward Jones since 2016. Outside of her advisory role, she owns farmland that is rented to Thomas Family Farms, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Scott Pettyjohn is a financial advisor with Mass Mutual Investors Services in Fredericksburg, VA, holding Series 63 and Series 66 credentials and with 27 years of industry experience. He has been with MML Investors Services LLC and Mass Mutual Financial since 2004. Outside of his advisory role, he serves as a director for the National Association of Insurance and Financial Advisors (NAIFA) Virginia and is a member of the finance committee for Stafford Junction, a nonprofit providing education and workshops to underprivileged children. MML Investors Services, LLC, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using advanced software tools and offers additional services including money-manager programs and educational seminars.

Lee Hitchcock is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. His other business activities include part-time sales of loan products and referrals for home security and automation services with affiliated companies. Primerica Advisors is a wrap-fee asset management program sponsor and discretionary portfolio manager serving individual, corporate, and charitable clients primarily through model-delivery strategies created by unaffiliated asset managers. The firm operates at scale with thousands of advisors and offices and manages approximately $15.5 billion in assets under management.

Christopher Fines is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors, LLC. Outside of his advisory role, he is a member of a limited liability company involved in property management. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm utilizes a range of third-party advisory programs and discretionary managers to tailor investment solutions for its clients.

Julie Fuhrer is a financial advisor at Edward Jones in Spotsylvania, VA. She holds a Series 66 designation and has been with Edward Jones since 2026. Prior to joining the firm, she was not employed in the financial industry. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Pressinger is a financial advisor at Edward Jones with Series 63 and Series 65 credentials. He has been with Edward Jones since 2026 and has a varied work history including roles in education and retail. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branch offices.

Shavkat Safaev is a financial advisor at Edward Jones in Fredericksburg, VA, holding a Series 66 license with eight years of industry experience. Prior to joining Edward Jones in 2025, he worked at Merrill Lynch (Bank of America) for seven years and has experience at AXA Advisors, Cropp Metcalfe, FrankCrum, Blue Ridge Family Insurance Agency, and Catapult Learning. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Noah Lester is a Certified Financial Planner (CFP®) with 20 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He is based in Stafford, VA, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is a board member at Crossroads Vineyard Church in Fredericksburg, VA. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment options, supported by a nationwide network of more than 23,700 financial advisors.

Robert Miller is a Series 66-licensed financial advisor with 14 years of industry experience. He is currently with Raymond James Financial and has previously worked at Bank of America and Merrill Lynch. Miller is also president and independent contractor for Lantern Wealth Management in Fredericksburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including high-net-worth individuals, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance advisory services.

Kelly Sherman is a CFP® professional with six years of industry experience currently serving at Edward Jones since 2019. Prior to joining Edward Jones, Sherman worked at Waterstone Mortgage and was involved in real estate with VR Sam Real Estate. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Victoria Thorpe is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and 16 years of industry experience. She has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2009. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm delivers holistic, goal-based planning that covers a range of financial topics and offers clients the option to combine planning with managed-account services under a consolidated billing system called “WealthPlan.”

Bernard Mason is a Wealth Management Advisor with Merrill Lynch Wealth Management in Fredericksburg, Virginia. He works with individuals and families to develop wealth planning strategies that align with their financial goals, focusing on areas such as college education planning, legacy planning, retirement income, and socially responsible investing. Bernard holds the CERTIFIED FINANCIAL PLANNER® (CFP) certification and the Chartered Retirement Planning Counselor™ (CRPC) designation. He earned a Bachelor of Science degree from Virginia Polytechnic Institute and State University. His approach emphasizes a client-focused process that includes determining financial objectives, developing tailored strategies, implementing appropriate investment vehicles, and regularly reviewing progress to adjust plans as needed. In addition to his professional work, Bernard is involved in community organizations including the American Red Cross, Kiwanis, and the Virginia Tech Alumni Association.

Michael Hayes Jr. is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding a Series 66 designation and 20 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2006. Outside of advisory work, he is a member of Community Property Group LLC, which owns his office space. Equitable Advisors serves individual clients across a broad spectrum, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs. The firm utilizes a combination of firm-offered programs and third-party advisory platforms to deliver customized investment solutions.