Michael Hayes Jr. is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2006, including prior affiliation with Axa Advisors, LLC. Outside of his advisory role, he is a member of Community Property Group LLC, which owns and occupies an office building. 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 a variety of third-party programs. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Mary Long is a financial advisor at Edward Jones with 10 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2016. 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.

Bernard Mahon Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and over 40 years of industry experience. His career includes roles at Atlantic Union Financial Consultants, Atlantic Union Bank, and Union Investment Services. Outside of his advisory work, he is a partner in a family real estate brokerage and manages rental investment properties. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Ralph Mason is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and seven years of industry experience. His career includes roles at Truist Advisory Services and BB&T, spanning from 2015 to the present. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and probability modeling to support client goals.

Denise Frazer is a CFP® professional affiliated with Edward Jones, based in Fredericksburg, VA, with 17 years of industry experience. She previously spent nine years with First Command Advisory Services before joining Edward Jones in 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary wrap fee 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.

Thomas Sullivan III is a Series 66 licensed financial advisor with Merrill, based in Fredericksburg, VA, and has three years of industry experience. He has worked at notable firms including Bank of America and Edward D. Jones. Outside of his advisory role, he serves as the Armed Forces & Government Services Chair for the Georgetown Alumni Club of Metropolitan Washington, D.C., where he helps coordinate alumni engagement and events, and he acts as a consultant for Junk Knight LLC, a family-run junk removal business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Paul Lee III is a financial advisor at Edward Jones with the designations ChFC® and Series 66, bringing six years of industry experience. He has served with Edward Jones since 2019 and concurrently holds the rank of Colonel in the United States Marine Corps Reserve, where he acts as a career counselor for senior aviators. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Melanie Ochs is a Series 66 licensed financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Frank Emery is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 34 years of industry experience. He previously worked at Voya Financial Advisors, Inc. and has been with Cetera and its affiliated entities since 2016. Outside of advising, he represents the Education Funding Foundation, assisting high school students and their families with qualifying for college grants. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and planning services with various program options, including access to third-party money managers and model portfolios.

Benjamin Maxwell is a financial advisor with Edward Jones in Fredericksburg, VA, holding the ChFC® designation along with Series 63 and 66 licenses. He has 20 years of industry experience, including over two decades with Edward Jones since 2005. Outside of his advisory role, he is a passive owner of a cheer gym in Richmond, VA. Edward Jones is a full-service wealth management firm serving a broad client base that includes individuals, institutions, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory and investment services supported by a nationwide network of financial advisors and branch offices.

Sabrina Southworth is a financial advisor at OSAIC with 10 years of industry experience. She holds Series 65 and Series 66 licenses. Prior to joining OSAIC in 2026, she worked at Truist Investment Services, Bank of America, Merrill, Fidelity Investments, Ally Invest Securities, Wells Fargo, and Cetera Financial Specialists. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party money managers, using tools such as asset-allocation modeling and automated rebalancing to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Jerry Hulick is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 65 designations and bringing 50 years of industry experience. He has been with MassMutual Life Insurance Co and Mass Mutual Investors Services for 30 years. Hulick serves on the national board of trustees for United Cerebral Palsy and consults with nonprofits, development offices, and charities focused on disabilities and special needs. MassMutual Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, offering various programs and educational seminars.

Kevin Ealey Jr. is a financial advisor at Fidelity with seven years of industry experience. He has held roles at Fidelity Investments since 2022 and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory work, he also works as an independent contractor providing grocery delivery services and as a delivery driver for Uber Eats. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios made up of mutual funds, ETFs, and ETPs.

Joshua Alloway is a financial advisor with Equitable Advisors in Fredericksburg, VA, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has been with Equitable Advisors since 2011, including its predecessor Axa Advisors. He serves as a board member for Canterbury Nursery School, contributing to planning and creative processes for the institution. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and various third-party asset managers. The firm employs a hybrid referral and implementation model with a focus on individualized financial planning and multiple advisory program options.

Darryl Barnes is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at LPL Financial for 16 years before joining Raymond James in 2026. Barnes is also president of ToDoCenter, LLC, an internet company providing scheduling and personal connection resources for the elderly. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using risk profiling and analytical modeling, and it maintains a notable affiliation with a municipal advisor to support its public-finance work.

James Ebron is a Series 66-licensed advisor at Merrill with one year of industry experience. Prior to joining Merrill and Bank of America in 2025, he spent five years at East Carolina University and five years at Bishop O'Connell High School. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Jennifer Butturini is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to her advisory role, she has worked at Luxottica Retail (Target Optical) since 1997 as a licensed optician, assisting clients with eyewear and contact lens selection. She also manages her advisory business through ONIPA'A Enterprise, LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. As a large institutional firm, Ameriprise delivers a wide range of advisory, brokerage, and insurance solutions through affiliated companies.

Michael O'Malley is a financial advisor with LPL Financial in Fredericksburg, VA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Securities Service Network, Inc. for 18 years and has had roles at Securities America Advisors, Inc. and OSAIC. Outside of advising, he serves on the board of Washington Heritage Museums, overseeing four historical properties in Fredericksburg. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Sutton Mahon is a financial advisor at Raymond James Financial with Series 63 and Series 65 credentials and four years of industry experience. His prior roles include positions at Atlantic Union Bank and The Retirement Smith, LLC. Mahon is also involved as a partner in a family real estate partnership. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting, utilizing various analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Nicole Hawkins Normand is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 24 years of experience in the financial services industry. Based in Fredericksburg, northern Virginia, she leads a team focused on providing affluent individuals and businesses with comprehensive personal wealth analyses, thoughtful tax-sensitive planning, investment guidance, retirement planning, and wealth management to help clients achieve their financial goals. Nicole holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She graduated from the University of Mary Washington in 1992 with a Bachelor of Arts degree in Geography and a minor in Economics. She is a member of the University of Mary Washington Alumni Association. She actively participates in the community through involvement with organizations such as the Fredericksburg Department of Social Services, the Gerry Bertier #42 Foundation, Habitat for Humanity, Spotsylvania County Little League, and Thrive, the healing center, where she has served as past president of the board. Outside of work, Nicole enjoys baseball, softball, traveling, and supporting local sports teams like the Fredericksburg Nationals.