Traci Anne Dracoulis is a CFP® professional with 13 years of experience in the financial services industry. She is affiliated with Cetera and has previously worked at Truist, BB&T Securities, and MassMutual. Outside of her advisory role, she is a partner in a custom woodworking business. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party managers.

Nathaniel Snider is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He is a Certified Financial Planner dedicated to helping clients and their families grow their wealth, protect their income, and simplify their financial lives. Nathaniel has been with Fidelity Investments since 2014, progressing through various roles including Financial Representative, Investment Consultant, and Financial Consultant before becoming Vice President. Prior to joining Fidelity, he worked as a Financial Consultant at ICMA-RC in 2019. Outside of his professional career, Nathaniel is engaged in family activities and enjoys interests such as fitness, gardening, hiking, parenthood, and reading.

Debbie Binney is a Wealth Management Senior Relationship Manager at Fidelity Investments. In her role, she serves as a primary point of contact for clients, focusing on delivering personalized service tailored to individual needs and preferences. She facilitates conversations about wealth and investment planning to assist multiple generations of families. Debbie has been with Fidelity Investments since 2016, initially working as a Private Wealth Management Relationship Manager before her current position beginning in 2017. Prior to joining Fidelity, she worked as a Relationship Manager at LPL Financial from 2011 to 2016. Outside of her professional responsibilities, Debbie's personal interests include spending time with friends and attending social events, parenthood, reading, and practicing yoga.

Celeste Hickman is a financial advisor at Fidelity with 15 years of industry experience. She holds Series 63 and Series 66 credentials and has worked in various roles within Fidelity since 2010, including with Fidelity Personal and Workplace Advisors and Fidelity Investments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios using mutual funds, ETFs, and ETPs, while also serving as a commodity pool operator and offering advisory services to multiple registered funds.

Anthony Norr is an Investment Consultant at Fidelity Investments, a position he has held since 2026. In this role, he focuses on building meaningful relationships and providing clients with guidance tailored to their individual financial goals and circumstances. His approach emphasizes clarity and confidence throughout the financial planning process. Anthony has held several roles at Fidelity Investments, including Planning Consultant in 2025, Relationship Manager from 2024 to 2025, Financial Representative from 2023 to 2024, and Financial Services Representative in 2023. Prior to joining Fidelity, he worked as a Universal Banker at Atlantic Union Bank from 2022 to 2023 and as a Lead Disputes Representative at Capital One from 2018 to 2019. Outside of his professional work, Anthony enjoys camping, fitness, hiking, outdoor adventures, and volunteering.

Timothy Johnson Jr. is a CFP®-certified financial advisor with 12 years of industry experience, currently affiliated with Cetera. He has worked at Virginia Asset Management since 2013 and has held roles at Minnesota Life and Securian Financial Services Inc. He is also licensed as an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Andrew Johnson is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2026, he worked at Performance Foodservice and Bj's Wholesale Club, and he attended Gettysburg College. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, delivering model portfolios built from mutual funds, ETFs, and ETPs using systematic methodologies and long-term asset allocation benchmarks.

Homi Modi is a financial advisor with Cetera, holding Series 63 and Series 65 designations and offering 40 years of industry experience. His career includes long tenures at Virginia Asset Management and Select Brokers, LLC, where he also works as an insurance agent selling life, health, disability, and long-term care products. He is based in Midlothian, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Matthew Hale is a financial advisor at Cetera with 18 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cetera in 2023, he worked at Virginia Asset Management, Securian Financial Services, Minnesota Life, and Mass Mutual. He is also an agent/broker involved in fixed insurance sales and serves as a financial advisor at Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

James Amato is a financial advisor with Equitable Advisors in Midlothian, VA, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with Equitable Advisors since 2014 and was previously associated with Axa Advisors. In addition to his advisory role, Amato works as a tax preparer for a local CPA firm. Equitable Advisors serves individual clients—including non-high-net-worth and high-net-worth investors—as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs delivered through a network of investment adviser representatives and third-party managers.

Erynn Menefee is a Financial Consultant currently working at Fidelity Investments, a role she has held since 2021. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2020 to 2021. Her experience in the financial services industry includes positions at Morgan Stanley, RiverFront Investment Group, Wells Fargo Advisors, and Davenport & Company LLC. Erynn's professional background encompasses various roles such as Senior Registered Client Associate, Wealth Advisory Associate, Regional Sales Consultant, and Registered Client Associate. Her work focuses on supporting clients through complex financial situations and helping them understand how these relate to their overall financial picture.

Adam Williamson is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its affiliate for over 15 years. His other business activities include fiduciary services as an attorney-in-fact (power of attorney). Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports, supported by a centralized consulting team and algorithmic tools.

Coley Eckenrode is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at Virginia Asset Management and Select Brokers LLC. He is also involved in fixed insurance sales as an agent and broker. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and access to third-party managers through various program structures and custodial relationships.

Alexander Larou is a financial advisor at Cetera with a Series 66 credential and one year of industry experience. He has previously been affiliated with Virginia Asset Management and has a background that includes time at the Virginia Military Institute. Outside of his advisory role, he also works as an insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is a national firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and supports multiple program structures and investment approaches.

Lane Wilson is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and 15 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jordan Berryhill is a CFP®-designated financial advisor with 20 years of industry experience. He has worked at LPL Financial since 2018 and previously was with Summit Financial Group and Summit Brokerage Services from 2014 to 2018. Outside of his advisory role, Berryhill is involved with Berryhill CPA & Tax Advisory Service, where he provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and access to model portfolios and research from multiple sources.

Deona Hancock is a Series 66 credentialed financial advisor with Fidelity Investments, based in Midlothian, VA, and has accumulated several years of experience with Fidelity and prior roles in academia and retail. Her background includes positions at George Mason University, Virginia Commonwealth University, and Wegmans Food Markets. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that integrates proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of funds and model portfolios.

Elizabeth Darby is a financial advisor with LPL Financial, holding a Series 66 designation and having two years of industry experience. Prior to joining LPL Financial, she worked for six years at Chesterfield County Public Schools. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing diverse investment strategies supported by internal and external research.

Marlyn Jones is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and nearly 27 years of industry experience. She has been affiliated with Equitable Advisors and its predecessor AXA Advisors since 1999 and operates a CPA practice, JONES & ROBERTS FINANCIAL, LLC, providing tax preparation and small business consulting services. Equitable Advisors serves individuals across the wealth spectrum, as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset management programs through a broad network of Investment Adviser Representatives.

Jeffrey Jones is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he has worked as a delivery driver and package handler in non-investment-related positions. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a program that emphasizes managed accounts and uses algorithmic automation overseen by a dedicated committee.