Roy Hargrove is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Robert Wilson Jr. is a CFP® credentialed financial advisor with 10 years of industry experience, currently affiliated with LPL Financial in Williamsburg, VA. He has been associated with LPL Financial and C&F Wealth Management since 2015. His other business activities include acting as an insurance producer with Ash Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Nick Louridas is a CFP® and ChFC® with 18 years of experience in the financial services industry. He currently works at Wells Fargo Clearing and has previously held roles at PNC Private Bank, Mass Mutual Investors Services, and PNC Investments. Outside of his advisory work, he serves as Treasurer and leads the Finance Committee at the Virginia Museum of Contemporary Art. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products than typical for large institutional advisers.

Melissa Fletcher is a financial advisor at Raymond James Financial with eight years of industry experience. She holds the Series 66 designation and has worked at Raymond James Financial Services Advisors Inc. and Townebank. Fletcher is associated with brand names like Quill Private Wealth and Towne Wealth Management, though she does not have operational responsibilities in these entities. 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, corporations, and institutional clients. The firm uses tailored, non-discretionary planning approaches with analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Richard Maurer Jr. is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Brent Barth is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Voya Financial Advisors and Virginia Company Financial Services. He is based in Williamsburg, VA. 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 brokerage services with both discretionary and non-discretionary management options.

Traci Foster is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sandra Hickey is a Series 66 licensed financial advisor with Merrill, where she has worked since 2020. She has five years of industry experience and previously spent nine years with Waterway Guide. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Melissa Murchison is a financial advisor with LPL Financial in Williamsburg, VA, holding Series 63 and Series 66 credentials, and has seven years of industry experience. She has been with LPL Financial since 2024 and is also the owner of MDM Consulting Group LLC. Additionally, she teaches at the University of Richmond School of Professional and Continuing Education. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Andrew Bliefernich is a financial advisor with Merrill in Williamsburg, VA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, Allstate Insurance, and as an educator at Old Dominion University. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Regina Leigh is a financial advisor with Primerica Advisors in Williamsburg, VA, holding Series 63, 65, and 66 licenses and with 19 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2016. In addition to her advisory role, Leigh is the owner of Leigh Management Consulting LLC, a non-investment-related business. Primerica Advisors primarily serves individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers.

Tamara Pavlov is a financial advisor with Ameriprise in Chesapeake, VA, holding a Series 66 designation and nine years of industry experience. She has worked at Ameriprise since 2021 and previously held roles at Woolrich Inc., Securities Service Network, Woodbury Financial Services, and Moff and Associates. Outside of her advisory work, Pavlov serves as a part-time assistant cross-country coach at Lycoming College and participates in the Pennsylvania College of Technology Alumni Task Force. Ameriprise offers specialized retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Carlos Britos is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has served in the United States Navy since 2000. Outside of advising, he assists with Nautiwax LLC, a cosmetology business owned by his wife. 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 through a nationwide network of financial advisors and offers a range of investment strategies and affiliated services under a fiduciary standard.

Matthew Williams is a financial advisor at Edward Jones in Gloucester, VA, holding a Series 66 designation with four years at Edward Jones and three years of industry experience. Prior to joining Edward Jones, he spent 14 years at Underboats INC. Edward Jones is a wealth management firm serving individual and institutional clients with a broad range of advisory and investment services, supported by a large network of advisors and branch offices across the country.

Shari Barker is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 65 credentials and eight years of industry experience. Her prior experience includes roles at Securities America, Inc. and CKS Financial. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and tailored financial planning services supported by firm-approved tools and investment modeling techniques.

Michelle Grant is a Financial Advisor with Merrill Lynch Wealth Management. She works with individuals, families, and business owners to provide investment guidance and personalized financial planning. Her approach focuses on simplifying complexity, managing risk, and helping clients make informed decisions aligned with their long-term goals. Michelle specializes in supporting clients through periods of growth, transition, and uncertainty. She addresses competing financial priorities such as buying a home, saving for education, caring for loved ones, planning for retirement, and preparing for future healthcare needs. Her strategy blends disciplined investment management with planning across retirement, taxes, and long-term wealth building. She holds a Bachelor's Degree in Business Administration with a concentration in Accounting from ECPI College of Technology and holds the Personal Investment Advisor (PIA) designation. Michelle is fluent in both Tagalog and English. She is involved in her community through participation with the Greater Williamsburg Chamber of Commerce and the York-Seaford Youth Football and Cheerleading League.

Elizabeth Jordan is a Senior Financial Advisor with Merrill Lynch Wealth Management. In her role, she provides investment advice and strategies tailored to clients' life goals, risk tolerance, time horizon, and liquidity needs. She assists clients in managing their individual wealth to meet their specific objectives, working collaboratively to create personalized financial strategies. Jordan has been in the financial services industry for over 24 years. She began her career after graduating from Sweet Briar College in 1996, gaining experience in various roles including equity syndicate analysis and capital markets. She has worked with firms such as Andrew Lanyi, Credit Suisse, Lehman Brothers, UBS, and Morgan Stanley before joining Merrill Lynch in 2019. She holds a Bachelor's Degree from Sweet Briar College and the Personal Investment Advisor (PIA) designation. Outside of her professional career, Jordan is active in her community as a sustainer with the Junior League of Hampton Roads and enjoys golfing, reading, and spending time with her family.

Joel Pope is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has one year of industry experience. His career includes roles at TowneBank, Towne Wealth Management, and Raymond James, as well as prior positions at the City of Suffolk, Tidewater Community College, Old Dominion University, GrubHub, and Portsmouth Christian Schools. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports a broad advisor network with specialized programs including municipal advisory and SIMPLE IRA employer consulting services.

Sandra Mickelborough is a financial advisor at LPL Financial with three years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at 1st Advantage Federal Credit Union, CUSO Financial Services, LP, and Christopher Newport University. Her career also includes roles outside finance, such as positions at Walgreens, Rappahannock Community College, and Gloucester High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and multiple portfolio strategies.

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.