Joseph Fernandes is a CFP® professional with 22 years of experience in the financial services industry. He is currently with Cetera and has held prior roles at VOYA Financial Advisors, Securian Financial Services, and Equitable Advisors. He is also the owner of Fernandes Wealth Management LLC and Joe Fernandes Wealth Management LLC, through which he provides financial services and accounting. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke investment strategies.

Lynne Williams is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market modeling techniques.

Lauren Hunter is a financial advisor with LPL Financial in Williamsburg, VA, holding a Series 66 license and six years of industry experience. She has worked at LPL Financial since 2017 and has prior experience with Citizens and Farmers Bank beginning in 2016. Hunter is involved with C&F Wealth Management, a business related to her LPL affiliation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Stephanie Goodrich is a CFP® professional with 23 years of experience in the financial industry. She is currently with OSAIC and previously worked at Lincoln Financial Advisors and Navy Federal Financial Group. Outside of her advisory role, she is an author of a book on treasury management for Greek organizations and an instructor at the College of William & Mary Osher Institute. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of advisers and multiple advisory platforms. The firm offers integrated financial services utilizing firm-provided asset-allocation tools, third-party money managers, and both discretionary and non-discretionary portfolio management.

Kimberly Tinsley is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 credentials and has 20 years of industry experience. Her career includes roles at TowneBank and Towne Wealth Management, among others. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutional clients. The firm uses tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Elizabeth Mclamb is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 27 years of industry experience. She previously worked at Wells Fargo Clearing and WELLS FARGO Advisors, LLC. Elizabeth is also a commissioned notary in the state of Virginia. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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 and various portfolio management options.

Robert Dudeck III is a financial advisor at Morgan Stanley based in Williamsburg, VA. He holds a Series 66 designation and has been with Morgan Stanley since 2026. His prior experience includes roles at Radford University and Williamsburg National Golf Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial planning that utilizes structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Deann Rinehart is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. Her prior experience includes roles at Morgan Stanley Smith Barney, Citigroup Global Markets Inc., and Securities America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, supported by model portfolios, research, and various management options.

Corrie Goodwin is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2019. Her prior work includes a year at James City County Social Services and time as a stay-at-home mother. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and approved planning tools, providing advisory services without individual security recommendations as part of standalone plans.

James Christy is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds Series 63 and Series 65 designations. His prior work history includes roles at Northwest Financial Advisors LLC, NW Insurance Agency LLC, Northwest Financial Group LLC, and LPL Financial LLC. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies. The firm offers diverse advisory programs and portfolio management services, utilizing both in-house and third-party investment managers.

Lyle Schiavone is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has been with LPL Financial since 2009. Schiavone is also the sole owner of Williamsburg Financial Group, an S corporation based in Williamsburg, VA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Dennis Wilt is a CFP® with 30 years of experience in financial advisory roles. He is currently with Morgan Stanley, having previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and methodologies.

John Pattisall is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. His credentials include Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and proprietary investment models.

Charles Hartman is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Hartman serves as a Board Member at Large for the Williamsburg German Club, a social organization in Williamsburg, Virginia. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and engages in diverse financial services including broad retail and institutional offerings.

James Finney III is a ChFC® credentialed financial advisor with 38 years of industry experience. He has been with MML Investors Services, Inc., a subsidiary of MassMutual, since 1987. In addition to his advisory role, he is also a licensed agent involved in life and health insurance. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning and asset management services. The firm employs firm-approved analytical tools and offers a variety of programs including educational seminars, divorce planning, and estate settlement.

Albert Haskins is a financial advisor with LPL Financial in Williamsburg, VA, holding Series 63 and Series 65 credentials and with 16 years of industry experience. He has worked at LPL Financial since 2025 and previously spent over a decade at 1st Advantage Credit Union and CUSO Financial Services. Outside of his advisory role, Haskins serves as the head boys basketball coach at Bruton High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs and financial planning services, supported by research and various portfolio management options.

Shannon Crank is a financial advisor with Raymond James Financial, holding a Series 66 designation and 24 years of industry experience. She has worked with Raymond James Financial Services Advisors, Inc. since 2009. Outside of her advisory role, she is employed as an associate at Legacy Financial Group LLC, where she supports operational and cashiering duties as well as assisting the branch manager. 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, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

Connor Ware is a financial advisor at LPL Financial with a Series 66 credential and less than one year of industry experience. He has worked with Williamsburg Financial Group and LPL Financial LLC and has been involved with community organizations including the Boys and Girls Club of the Virginia Peninsula and Southwest Virginia. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by research and multiple portfolio management options.

Travis Collins is a financial advisor at Edward Jones in Williamsburg, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked for Deloitte for two years and served in the United States Army for ten years. 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 under management and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and tax-efficient services.

Thomas Mowry is a financial advisor with Raymond James Financial in Williamsburg, VA, holding a Series 66 designation. He has been with Raymond James Financial since 2026 and has prior experience at Legacy Financial Group and ATI. Outside of finance, he was involved with the Colonial Williamsburg Fife and Drum from 2014 to 2016. 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, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and consulting using analytical tools such as risk profiling and probability modeling, and supports municipal and public finance work through a unique affiliation with a municipal advisor.