Travis Sims is a financial advisor with Ameriprise, holding a Series 66 designation and eight years of industry experience. He has worked at Ameriprise and its affiliated entity since 2015. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team, emphasizing managed accounts and algorithmic automation in its advisory process.

Shah Nawaz is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. His prior work includes roles at Bank of America, Woodforest National Bank, and Gujar One Inc. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Samantha Wooton is a financial advisor at Ameriprise with 11 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2006. Outside of her advisory role, she is involved in managing BE BRAVE LLC, an LLC that supports her Ameriprise practice operations, and assists with office work for her husband’s home inspection and remodeling business. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research-driven, algorithm-supported recommendations with personalized financial advice. The firm offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Jody Bellew is a Vice President and Financial Consultant at Fidelity Investments. In this role, Jody collaborates with clients to develop financial plans that balance maintaining their current lifestyle with preparing for their future. This involves creating customized plans focused on clients and their families, utilizing a broad range of tools and resources. Jody has been with Fidelity Investments since 2005, holding various roles including Service Trading Representative, Investment Consultant, Fixed Income Consultant, Senior Financial Consultant, Retirement Solutions Representative, and Regional Planning Consultant. This extensive experience has contributed to Jody's expertise in financial consulting and planning. No additional information regarding education, credentials, personal interests, or community involvement has been provided.

Kenneth Jones is a CFP® and ChFC® with 23 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors since 2016 and with Cambridge Investment Research, Inc. since 2011. Jones serves as a board member of the Full Circle Grief Center. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple custody platforms and proprietary and third-party model strategies tailored to client objectives.

Charles Allen is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. He previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company from 2013 to 2019. Outside of his advisory role, Allen is also involved in music as a part-time musician. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by model portfolios, third-party research, and technology-driven strategies.

Dustin Dodge is a financial advisor at Robert W. Baird & Co. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Financial Engines Advisors and Edelman Financial Services. Dustin is part of the DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by ongoing manager selection and internal research.

Justin Rouse is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans and investment strategies tailored to their specific goals and needs. He has been with Fidelity Investments since 2023, progressing through roles including Investment Solutions Representative and Investment Consultant before assuming his current position in 2025. Prior to joining Fidelity, Justin worked as an Agent at New York Life in 2022. Justin's professional experience encompasses various aspects of financial consulting and investment services, reflecting a commitment to client-focused financial planning. Outside of his professional work, he has interests in fitness, golf, military service, pets, and running.

Thomas Heaton is a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. He has 28 years of experience guiding clients through complex markets and significant life events. Heaton specializes in goal-based investment strategies focused on long-term retirement planning and risk management, incorporating principles of Behavioral Finance to help clients avoid emotional decision-making related to greed and fear. His services extend to comprehensive financial solutions including banking, mortgages through Bank of America, investments, risk management, and estate planning. Heaton holds a Bachelor's Degree from the Pennsylvania State University System and professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He emphasizes understanding clients' life priorities to create personalized plans aligned with their goals and aspirations. Heaton works alongside his assistant, Nina Sjogren, who supports his clients with administrative needs. Outside of his professional role, Heaton enjoys golfing, running, and spending time with his family. He lives in Hanover County and is married with two daughters who have graduated from Virginia Tech.

Steve Nagy is a Vice President and Executive Planning Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 1999, progressing through several positions including Wealth Planning Consultant, Relationship Officer, Retirement Income Planner, and roles in Stock Plan Services and Service and Trading. Prior to joining Fidelity, he worked in Investor Information at Scudder Kemper Investments. Throughout his career, Steve has developed expertise in financial planning and client relationship management, focusing on understanding each client's unique financial goals and developing tailored strategies to work toward them. He holds a California Insurance License. Outside of his professional life, Steve has personal interests that include baseball, beach activities, fitness, golf, pets, and running.

Christopher Geary is a CFP® with 22 years of industry experience, currently affiliated with Wells Fargo Advisors. His prior roles include positions at OSAIC, Triad Advisors, Gallagher Fiduciary Advisors, Independent Financial Group, LLC, F3Logic, LLC, and National Planning Corporation. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services tailored to clients meeting certain net-worth criteria. The firm uses proprietary research and planning tools to develop customized recommendations delivered through meetings and written summaries.

Fletcher Metz is a financial advisor at Morgan Stanley with 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that uses firm-approved tools and models to assist clients in developing personalized strategies.

Howard Burd is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on helping families, executives, and business owners manage their wealth and the enterprises they have built. Howard's expertise encompasses executive compensation, family wealth management strategies, small business strategies, individual and corporate investment strategy, and tax minimization. Prior to his current role, Howard served over 11 years in the United States Marine Corps, achieving the rank of Captain. During his military career, he advised senior leaders on fiscal operations, logistics, supply chains, contracting, and resource management. After his service, he worked in banking and institutional sales, including positions at J.P. Morgan and Amerivet Securities. Howard holds the Series 7, 63, and 65 licenses and is a Personal Investment Advisor (PIA). He graduated from Embry-Riddle Aeronautical University and completed professional military education at the Marine Corps Expeditionary Warfare School. Outside of work, Howard enjoys chess, running, and spending time with his family.

James Robertson is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He has worked at firms including Virginia Asset Management and Securian Financial Services Inc. Robertson is also involved in fixed insurance sales through Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management services, financial planning, and access to third-party money managers.

Louis Frates is a financial advisor with Ameriprise in Midlothian, VA, holding Series 63 and Series 65 licenses and 13 years of industry experience. His prior roles include positions at Thompson Davis & Co., LPL Financial, Wealthcare Capital Management, and Securities America. He is also the owner of BRDG Generations, a business related to managing his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficient strategies to develop written recommendation reports tailored to clients approaching or in retirement. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Noah Harvey is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. His work history includes roles at Wells Fargo Bank, Northern Virginia Community College, LL Bean, Virginia Commonwealth University, Wegmans, and Fairfax High School. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options, serving plan sponsors with tailored investment solutions.

Ian Patrick is a Wealth Management Advisor at Merrill Lynch Wealth Management. He advises clients on family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and socially responsible, values-based, and ESG investing. He also focuses on tax minimization, retirement income, and small business strategies. Ian earned a bachelor's degree in economics from the University of Colorado at Boulder and a master's degree from the University of North Carolina System. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ian is fluent in English and Spanish. He is active in the Richmond, Virginia community where he resides with his wife and three daughters. Ian serves on the board of directors of Belltower Pictures and volunteers with the James River Association and Rotary International. His personal interests include boating, music, scuba diving, singing, skiing, and soccer.

Jill Jeter is a CFP® professional with 25 years of experience in financial advising, currently with Raymond James Financial Services Advisors, Inc. Her prior roles include positions at Lion Street Financial, Mercer Global Advisors, and Pinnacle Wealth Solutions. She is a partner at PJ Capital LLC, an independent Raymond James branch where she manages payroll and payables. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using risk profiling and modeling tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

Joshua Visconti is a CFP® professional with 13 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at WELLS FARGO Advisors, LLC from 2014 to 2016. Outside of his advisory role, he is involved in strength training and firearm instruction through his ownership of IRON FORGED GRIT, LLC, and serves on the fundraising committee at Saint Michael Catholic Church. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach 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.

Chris Rysak is a Financial Consultant currently working at Fidelity Investments since 2023. He has previously held positions as a Financial Consultant and Investment Consultant at Charles Schwab from 2016 to 2023, as well as roles at T. Rowe Price and Vanguard, where he specialized in retirement and client relationship administration respectively. His approach involves collaborating with clients to develop financial plans that address wealth accumulation, preservation, distribution, and legacy considerations. Chris emphasizes understanding clients' goals and adapting plans as their circumstances evolve to maintain alignment with their changing objectives. Details regarding his education, credentials, personal interests, or community involvement were not provided.