David Snyder is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a partner at Emerald Coast Enterprise, LLC. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment models as part of its financial planning process.

Mark Mitchell is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes firm-approved tools and scenario modeling.

Michael Hill is a financial advisor with Morgan Stanley in Charleston, WV, holding a Series 66 designation and bringing 19 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Hill serves as a board member and investment committee member of the Big Green Scholarship Foundation in Huntington, West Virginia. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of services including estate planning and institutional investment solutions.

Andrew Elliot is a financial advisor with Morgan Stanley in Charleston, WV, holding a Series 66 designation. He has experience at Morgan Stanley since 2025 and previously worked at City National Bank. Outside of advisory roles, he serves as a board member of Commercial Holdings Incorporated, a holding company that previously operated a nursing home business, and is a limited partner in a private equity firm, HC Capital Partners. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in assets. The firm employs a structured planning process using tools like Secular Return Estimates and Monte Carlo simulations, serving clients primarily in an advisory capacity.

Edward Nichols is a financial advisor with Morgan Stanley in Charleston, WV, holding Series 63 and Series 65 licenses and 33 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their financial planning process uses firm-approved tools and modeling techniques, with clients responsible for implementing and updating plans.

Richard Vorhees is a financial advisor with Wells Fargo Clearing in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Vorhees serves on the Board of Trustees for the First Presbyterian Church in Charleston, where he reviews investment performance and disbursements. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. 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.

Charles Vallandingham III is a CFP®-credentialed financial advisor with 28 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. He is involved in business ownership through CEV3 Partners LLC and serves on the board of directors for Goodwill of the Kanawha Valley. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis, with a centralized consulting team supporting advisors in delivering tailored retirement-income plans.

Brett Harper is a financial advisor at Edward Jones in Charleston, WV, holding a Series 66 designation with eight years of industry experience. Prior to joining Edward Jones in 2017, he worked for the Town of Eagle Police Department and was involved with St. Paul Sober Living. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment strategies. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,700 financial advisors and more than 15,000 branch offices.

Charles Evans is a financial advisor with Ameriprise in Charleston, WV, holding a Series 63 designation and bringing 43 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, Evans serves on the Board of Directors for the Northgate Property Owners Association and is a co-author of a historical true crime book about Charleston, WV. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement-income planning and tax-aware withdrawal strategies through written Recommendation Reports and ongoing advice.

Michael Frontino is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Woodbury Financial for 17 years. Outside of his advisory role, he owns a sole proprietorship licensed to sell life and health insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and offers both discretionary and non-discretionary account management.

Ronald Murad is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides financial advisory services with a focus on wealth management for his clients. Ronald holds the professional designation of Retirement Benefits Consultant (RBC), reflecting his expertise in retirement planning and benefits consulting. He earned his Bachelor's Degree from West Virginia University. Further information about Ronald's personal interests or community involvement is not provided.

Lyle Smith is a financial advisor at Merrill with 14 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015, in addition to his ongoing role at United Bank since 1999. Outside of his advisory work, he serves as vice president of Kanawha Roxalana Company, a family-owned land company involved in commercial property management, and he is a committee member and chair of the investment committee at the CAMC Foundation. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Mc Glothen is a financial advisor with Morgan Stanley in Charleston, West Virginia, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Morgan Stanley since 2017, including a role at Morgan Stanley Private Bank, N.A., and prior to that worked at United Brokerage Services, Inc. Outside of his advisory work, he serves as an assistant high school swim coach and is involved in officiating swim meets. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individuals and institutions, offering financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment programs and planning services.

Teresa Hart is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2018, following prior roles at Northwestern Mutual from 2015 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Craig Bowden is a financial advisor with RBC Capital Markets in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His work history includes roles at City National Bank, RBC Capital Markets, Bb&T Securities, LLC, and Scott & Stringfellow LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, emphasizing customizable portfolio management and financial planning services.

Alan Turley is a financial advisor with Equitable Advisors in Charleston, WV, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2004, including a prior affiliation when the firm was known as AXA Advisors. Outside of his advisory role, he is involved in managing his family home as a landlord. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and nonprofit organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes a network of Investment Adviser Representatives and third-party sponsors to provide a range of investment solutions without sponsoring its own wrap fee program.

Katherine Chesley is a financial advisor with Equitable Advisors in Charleston, WV, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Equitable Advisors since 1999, coinciding with her tenure at Axa Advisors, LLC. Outside of her advisory work, she serves as President of the LPGA Amateur Golf Association and Board Chair of the Kanawha Valley Women's Golf Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach includes matching clients to advisory program models or discretionary managers using both proprietary tools and third-party platforms.

Robert Bonwell Jr. is a financial advisor with Ameriprise in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include positions at Wells Fargo Advisors and the Life Insurance Company of Virginia. Outside of finance, he is a fractional owner of Drug Emporium, a pharmacy and retail store in Charleston. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

James O'Connor is a financial advisor with Merrill, holding a Series 66 designation and 19 years of industry experience. He has worked with Bank of America and Merrill since 2011. Outside of his advisory role, he is involved in fundraising for the YMCA in Charleston, West Virginia. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Randolph is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He previously worked for Fifth Third Securities and Fifth Third from 2010 to 2020. Outside of his advisory role, he serves as treasurer for the Keith-Albee Performing Arts Center in Huntington, WV. 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 advisory process incorporates modern portfolio theory and includes a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.