Lucas Higgins is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Rosin & Associates and T.C.C. Management. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

James Clark is a financial advisor at Edward Jones with 12 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2014 in Charlottesville, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

Melanie Crawford is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Merrill for 19 years before joining Wells Fargo Clearing in 2025. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with an investment menu that includes insurance-related vehicles and bank deposit sweep options alongside traditional products.

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 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2018. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, which supports asset allocation and planning analyses to inform client decisions.

William Wolfe II is a CFP®-designated financial advisor with 30 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wolfe contributed as an author to a chapter in the book *Success Today - Leading Entrepreneurs & Professionals Share Their Secrets for Health Wealth & Happiness Today!*. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep options.

Edward Dudley is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 credentials and bringing 48 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as a trustee for family trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

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.

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.

William Merrick is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He previously worked at MML Investors Services, Inc. and MassMutual Life Insurance Company for over three decades. Outside of his advisory role, he has involvement in health insurance sales and a family real estate business. LPL Financial is a nationally registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a variety of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

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, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a prior role at Wells Fargo Advisors. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Nicholas Palmer is the Resident Director and Wealth Management Advisor at Merrill, where he focuses on helping clients achieve their financial goals through personalized wealth management strategies. He provides access to Merrill's investment insights and Bank of America's banking and lending solutions, tailoring flexible strategies to meet the changing market conditions and individual client needs. Nicholas specializes in areas such as executive compensation, equity compensation services, family wealth management strategies, retirement planning, tax minimization, and portfolio management. He emphasizes clear communication and education, ensuring clients understand their investments and how they align with their goals. With certifications including Certified Financial Planner (CFP) and Personal Investment Advisor (PIA), he holds a bachelor's degree from Hampden-Sydney College and a master's degree from the College of William & Mary. Beyond his professional role, Nicholas is involved in his community, serving on the board of the Henrico Humane Society and participating with Make A Wish. He also enjoys activities such as football, golfing, racquetball, scuba diving, soccer, and traveling.

Adam Silvers is a financial advisor at Stifel with 12 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus since 2013. The firm serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Stifel’s investment approach is based on a proprietary methodology from its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning analyses.

John Flick III is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company. Outside of advising, he has operated as a mobile notary and is involved with entities such as The Flick Team, LLC, related to tax and investment purposes. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory services, and access to model portfolios, combining investment advice with brokerage and insurance products on an integrated platform.

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® professional affiliated with OSAIC and has 27 years of industry experience. She worked at Securities America Advisors, Inc. from 2012 to 2024 before joining OSAIC. Outside of her advisory role, she owns and manages multiple residential rental property LLCs and operates an insurance sales business offering life, health, and annuity products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, corporate, and charitable investors through a large network of advisers. The firm combines brokerage and advisory services with financial planning and managed account solutions, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.