Roger Jones is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has been with Merrill since 2011 and is also affiliated with Bank of America, N.A. since 2012. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Camuso is a financial advisor at Cambridge Investment Research Advisors with 16 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Cadaret Grant & Co., Inc. and M&T Securities. Cambridge Investment Research Advisors serves a broad client base including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, employing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

Laura Service is a CFP® professional with 14 years of experience in the financial industry, currently serving as an advisor at Edward Jones since 2012. She holds the Series 66 designation and is based in Richmond, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across various segments, including high-net-worth households and corporate clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Cameron Murray is a financial advisor with Edward Jones in Richmond, VA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, Centauri Health Solutions, and CoStar Group Inc. He serves as a director of the Rotary Club of Western Henrico, where he helps plan charity events and service projects. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a nationwide network of financial advisors and branch offices.

Ryan Taylor is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 19 years of industry experience. He previously worked for Ohio National Equities Inc and Ohio National Financial Services from 2006 to 2018. Taylor serves as an assistant golf coach at Saint Christopher's School in Richmond, VA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management solutions, combining strategic and tactical investment options with technology-supported research and operational tools.

Michael Sobilo is a CFP® professional with 20 years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and LPL Financial, LLC. Outside of advisory work, he is involved with J M Ford & Associates, offering health insurance solutions in Roanoke, VA. LPL Enterprise provides advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products through affiliated entities.

Dhanya Patel is a financial advisor with UBS Financial Services in Richmond, VA. She holds a Series 66 designation and has been in the industry since 2024, with prior experience at Nasdaq Dorsey Wright and several educational institutions. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients' goals and risk tolerances.

Patrick Jorgensen is a Series 66 credentialed financial advisor with nine years of industry experience. He has been with Ameriprise Financial Services since 2015, currently serving at their Richmond, VA office. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, notable for its Premier Retirement Income service which provides detailed retirement income planning through written recommendations and ongoing advice. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools, focusing on dependable income sources and tax-aware withdrawal strategies.

Crystal Farris is a Series 66 registered financial advisor with Wells Fargo Advisors, based in Richmond, VA, with two years of industry experience. Prior to joining Wells Fargo Advisors in 2024, she worked at Wells Fargo Clearing from 2011 to 2024. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services across a broad range of areas, including retirement, education, and specialized planning such as business-owner transition and special-needs analysis. Advisors utilize Wells Fargo’s research and planning tools to develop tailored recommendations delivered through meetings and written summaries.

James Baber IV is a financial advisor with Raymond James & Associates in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Janney Montgomery Scott for six years before joining Raymond James in 2017. Baber serves on the boards of several nonprofit organizations, including the Ask Childhood Cancer Foundation, The Titmus Foundation, and the Zeta Lodge Institute, where he contributes to finance and scholarship activities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, charitable organizations, and municipal entities—offering financial planning, non-discretionary investment consulting, and institutional fiduciary services supported by a broad range of portfolio management styles and affiliated research.

Matthew Whitaker is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at Securities America Advisors and Next Financial Group Inc. Outside of advisory work, he occasionally assists clients with life insurance needs and works part-time as a delivery driver for DoorDash. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisers, offering integrated brokerage, investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios across various asset classes on discretionary or non-discretionary bases.

Jack Estep is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by firm-approved tools and models.

Nicholas Palmer is a financial advisor with Merrill in Richmond, VA, holding a Series 66 designation and nine years of industry experience. He has worked at Merrill since 2016 and at Bank of America, N.A. since 2017. Outside his advisory role, he serves as Chairman of the Illinois Alumni Association of Alpha Delta Phi and is a board member of the Virginia Squash Racquets Association. 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 a diverse client base including individuals, high-net-worth clients, and institutions.

Christopher Alfano is a financial advisor at Morgan Stanley in Richmond, VA, with two years of industry experience. He holds a Series 66 designation and previously worked at OakHeart Financial Group. Outside of finance, he has experience working in golf course and recreational facility operations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its financial advisory services.

Scott Macmillan is a financial advisor with Wells Fargo Advisors in Richmond, VA, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Citigroup Global Markets, Legg Mason Wood Walker, and Scott & Stringfellow. Outside of his advisory work, he owns and operates Macmillan Enterprises LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and financial planning services. The firm provides tailored planning through a network of advisors, utilizing proprietary research and tools, with services spanning from cash-flow and retirement planning to specialized areas such as business-owner transition and special-needs analysis.

Peyton Bodziak is a CFP®-credentialed financial advisor with one year of industry experience, currently affiliated with Raymond James Financial in Glen Allen, VA. He has previous experience with Mainsail Wealth Advisors and Northwestern Mutual Investment Management. Outside of his advisory roles, he has held various positions including work at Image Asphalt Maintenance and educational institutions. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm utilizes a tailored, non-discretionary approach incorporating risk profiling and analytical tools, and supports a broad advisor network with specialized municipal advisory capabilities and employer plan consulting services.

Robert Fischer is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and 38 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. Outside of advising, he conducts training on the Six Hats thinking methods and has authored a book titled *The Naked Portfolio Manager*; he also coaches chess. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients through tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and research.

Gail Waldman is a CFP® with 25 years of experience in the financial industry. She is currently affiliated with Cambridge Investment Research Advisors and has held previous roles at Waldman Financial Advisers and Cambridge Investment Research, Inc. Outside of her advisory work, she serves as a mediator for a variety of issues in Maryland and Virginia and volunteers with a custom laser engraving business. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment implementation options, including proprietary model strategies and access to unaffiliated strategists, with both discretionary and non-discretionary approaches tailored to client objectives.

Bassam Fahel is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages the operation of Tanyard Vines, a vineyard business, and serves as treasurer on the board of directors for Aylett Bible Fellowship. Ameriprise is an institutional firm that offers a retirement-income planning service focused on individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Joseph Grappone is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 17 years of industry experience. He has been with Wells Fargo Clearing since 2016. Grappone serves on the James Madison University Finance & Business Law Executive Advisory Board, advising on finance and business curriculum options. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.