Lauren Kaminski is a Series 66-licensed financial advisor at Wells Fargo Advisors with three years of industry experience. Before joining Wells Fargo Advisors in 2022, she worked at Publicis Sapient, Accenture Federal Services, and Phase One Consulting. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

Dustin Ciraco is a financial advisor with Cetera, holding a Series 66 credential and three years of industry experience. His prior roles include positions at Private Advisor Group, LPL Financial, and Wilkinson Wealth Management. Ciraco has worked in financial advisory roles both in firm settings and through LLC entities established for tax and investment purposes. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary account options.

Christian Comberg is a financial advisor at Stifel with 36 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes positions at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates a proprietary methodology developed by its Investment Strategy Group, providing asset allocation and planning analyses to support client decisions.

William Wolfe II is a CFP® professional with 31 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 11 years at Merrill. Wolfe contributed a chapter to the book *Success Today - Leading Entrepreneurs & Professionals Share Their Secrets for Health, Wealth & Happiness Today!*. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs research-driven investment strategies and offers a broad range of brokerage and advisory solutions.

Edward Dudley is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 credentials and bringing 49 years of industry experience. Prior to joining Wells Fargo in 2016, he worked for Prudential Equity Group, LLC for 11 years. He serves as a trustee of two family trusts. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, offering a range of brokerage and advisory solutions supported by extensive research and analytics.

Tracey Collins is a financial advisor at Raymond James Financial with 30 years of industry experience. She holds Series 63 and Series 66 designations. Her prior work includes roles at Truist Investment Services and BB&T from 2006 to 2026. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored financial planning and investment consulting using analytical tools and supports advisory programs and institutional portfolio management across a large advisor network.

Mitchell Moore is a financial professional with one year of industry experience, currently affiliated with Cetera. He holds a Series 66 designation and is based in Charlottesville, VA. Moore is the owner of Wilkinson Wealth Management, LLC and is also in charge of Comprehensive Income Strategies, both financial services businesses. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services via multiple program structures and manager platforms.

Kristen Puryear is a CFP® professional at Wells Fargo Advisors in Charlottesville, VA, with eight years of industry experience. Her career includes roles at Heritage Wealth Advisors and Merrill Lynch, Pierce, Fenner & Smith Incorporated, as well as four years working in public education. She is also a licensed insurance agent. Wells Fargo Advisors Financial Network provides a range of investment and financial planning services to individuals, trusts, and institutional clients, using proprietary research and planning tools. The firm offers specialized planning services and integrates advisory services with other financial products and referral channels.

Wallace Barrett Johnson is a financial advisor at Ameriprise with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Ameriprise and its related entities since 2005. Outside his advisory role, he serves as Treasurer and Vice President of Clarinity, Inc. and is President of a local condo association board. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service that provides ongoing retirement-planning advice focused on dependable income and tax-aware withdrawal strategies.

Cassandra Urbano is a financial advisor with Merrill in Charlottesville, VA, holding a Series 66 designation and 17 years of industry experience. She has worked at Merrill since 2008 and has also been with Bank of America, N.A. since 2016. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joel Johnson is a financial advisor at Raymond James Financial Services Advisors, Inc. He holds the Series 66 designation and began his advisory career in 2025. Prior to joining Raymond James, he spent 14 years with One Church. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning and utilizes analytical tools to support client goals through various advisory programs.

William Merrick is a financial advisor with LPL Financial holding Series 63 and Series 65 credentials and offering 41 years of industry experience. Prior to joining LPL Financial in 2017, he worked at MML Investors Services, Inc. and MassMutual Life Insurance Company from the early 1980s through 2017. Merrick is also involved with WGM Financial Services, Inc., WFG Benefits Inc., and the Financial Group of Virginia in non-variable insurance roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms.

James Dickman is a CFP® credentialed financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, he serves on the finance committee of Grace Community Church in Charlottesville, VA. Stifel serves a broad client base including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Patricia Woodie is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held positions at Morgan Stanley and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 advisors and combines brokerage and advisory solutions supported by research and analytics.

Adam Silvers is a financial advisor at Stifel in Charlottesville, VA, holding a Series 66 designation with 13 years of industry experience. He has been with Stifel Nicolaus since 2013. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services with an emphasis on fee-based financial planning. The firm's investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and planning analyses.

John Flick III is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing five years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company from 2021 to 2025. Outside of his advisory role, he has been involved with his own business ventures, including The Flick Team, LLC. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party managers, and insurance product facilitation through affiliated entities.

Nelson Ham is a Senior Financial Advisor based in Charlottesville, Virginia, within the Global Wealth and Investment Management Division of Merrill Lynch Wealth Management. He joined the SCH GROUP in December 2013, which comprises three advisors and one dedicated client associate with over 65 years of combined experience. Nelson has obtained Series 7 and Series 66 FINRA Registrations, as well as state Insurance licensures, and successfully completed Merrill Lynch's five-stage Practice Management Development program. He holds the Personal Investment Advisor (PIA) designation. Raised in Albemarle County, Virginia, Nelson earned a bachelor's degree from the University of Virginia where he studied business and graduated with honors. Prior to joining Merrill Lynch, he worked as an educator instructing students on SAT and PSAT preparation, as a sales and marketing director partnering with a commercial real estate developer in Virginia, and as an Estate Manager assisting affluent families. His expertise includes education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, socially responsible investing including ESG, individual and corporate investment strategy, tax minimization, and retirement income planning. Nelson is actively involved in his community, volunteering with PACEM and the Virginia Special Olympics. He is also a member of the Monticello Cabinet, supporting preservation and education efforts. In his spare time, he enjoys outdoor activities such as fishing, hiking, and skiing around the Blue Ridge Mountains, as well as spending time with his family.

Karyn Warren is a CFP® with 27 years of industry experience, currently serving at OSAIC since 2024. She held prior roles at Securities America Advisors, Inc. and Investors Security Company, Inc. She is also involved in insurance sales through her ownership of Warren Financial, LLC, where she offers life, health, and annuity products, including Medicare supplement sales. OSAIC serves a broad range of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by multiple custodial and third-party arrangements.

Edwin Yowell is a financial advisor with Ameriprise in Gordonsville, VA, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is an associate financial advisor at OFG LLC, where he meets with clients and provides financial advice. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, primarily for clients maintaining accounts within Ameriprise-managed portfolios.

Martin Harar is a Wealth Management Advisor with nearly 50 years of experience in all aspects of wealth management. He began his career immediately after graduating from Virginia Tech in 1977, spending 36 years at State Farm Insurance, first as an agent in Reston, Virginia, and later transitioning to management in 1995. After retiring from State Farm in 2013, Martin started his career with Merrill Lynch Wealth Management. He holds a Bachelor's degree from Virginia Tech and is a CERTIFIED FINANCIAL PLANNER™ certificant. Martin focuses on clients' goals and concerns, utilizing a goals-based wealth management process to customize plans emphasizing asset preservation and retirement income. His areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, socially responsible and values-based investing, tax minimization, and retirement income. Martin is actively involved in his community as a parishioner of St. Thomas Aquinas, member of the Knights of Columbus, volunteer at Charlottesville Catholic School and The Covenant School, and member of the Charlottesville Committee on Foreign Relations. He serves as President of the Charlottesville Chapter of the Virginia Tech Alumni Association. He embodies Virginia Tech's motto "Ut Prosim" or "That I May Serve" in both his professional work and community involvement.