William Rice Jr. is a CFP® professional with 31 years of industry experience, currently serving 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 services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Monica Handy is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley in 2021. Outside of her advisory role, she owns MJHandy Marketing, Planning & Consulting and Fora Travel, where she acts as a travel advisor. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools without offering individual security recommendations as part of its standalone planning program.

Ryan Blackman is a Financial Consultant at Fidelity Investments, where he focuses on building and maintaining client relationships and developing customized financial plans tailored to individual needs. He has been with Fidelity Investments since 2021, progressing through roles including Investment Solutions Representative and Planning Consultant before his current position. Prior to joining Fidelity, Ryan worked at Wells Fargo Bank from 2011 to 2021, serving as a Branch Manager and later as a Premier Banker. His professional experience spans financial consulting, planning, investment solutions, and banking management. Outside of his professional work, Ryan engages in personal interests such as baseball, family activities, reading, theater, traveling, and volunteering.

Christopher Dennis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. He worked at TIAA and TIAA-CREF from 2007 to 2020 before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he co-owns a business selling fishing gear and attire. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

William Irby is a financial advisor with RBC Capital Markets, holding a Series 66 license and bringing 12 years of industry experience. He has been with RBC since 2012 and also has experience with City National Bank. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations, offering various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Stephen Molinelli is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Main Street Private Advisors, APW Capital, Purshe Kaplan Sterling Investments, and Insight Private Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various portfolio management strategies and platform arrangements.

Arlen Penfield is a CFP® professional with 19 years of experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at TowneBank and Wells Fargo in various capacities over an 18-year span. Outside of his advisory role, Penfield serves as a deacon and member of the finance and investment committee at Salem Baptist Church. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm utilizes risk profiling and analytical modeling to tailor non-discretionary advice aligned with client goals and supports a wide network of advisors and affiliated firms.

Maxim Stupak is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to his current role, he worked at J.P. Morgan Securities and Wells Fargo Bank. 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.

Carlton Brown is a CFP® professional with 28 years of industry experience, currently serving as an advisor at Raymond James & Associates since 2014. He is involved with the finance and investment committee of Discovery United Methodist Church and holds an officer and director position at a family-owned retail pharmacy in Gretna, Virginia. 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, and charitable organizations, offering financial planning and investment consulting through various advisory programs.

Maura Norford is a financial advisor with Ameriprise, holding a Series 66 designation and 12 years of industry experience. She has worked at Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Outside of her advisory role, she serves on the Board of Directors for Richmond Community Rowing and works as an indoor rowing instructor. Ameriprise offers a retirement-income planning service focused on 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 to deliver tailored retirement income advice, with an emphasis on assets held in Ameriprise Managed Accounts.

Randall Arnett is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 12 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Outside of his advisory role, he is a vocalist and guitarist in a band. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in an IPS-driven approach and modern portfolio theory.

Jeffrey Hayes is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory work, he participates in competitive cooking competitions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment advice and plan management grounded in modern portfolio theory. The firm serves institutional clients with both discretionary and non-discretionary solutions, including unique offerings such as insurance-related investment options.

Martin Miller is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. His prior roles include positions at City National Bank, Truist Advisory Services, Bb&T Securities, and Scott & Stringfellow. He serves as Treasurer of Jewish Family Services and is a board member of the Midlothian Chesterfield Kiwanis Club. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management and tailors strategies based on clients’ Advisory Risk Profiles.

Sara Vick is a CFP® professional at OSAIC with 18 years of experience in the financial industry. She previously worked at Signator Investors, Inc. for 10 years before joining Royal Alliance Associates, Inc., where she has been employed since 2018. Additionally, she is associated with Heron Creek Advisors, where she serves as a registered assistant. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options, utilizing asset-allocation tools, risk-tolerance assessments, and both discretionary and non-discretionary account management.

Daniel Fryer is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bb&T Securities, LLC and Scott & Stringfellow, Inc. Outside of his advisory role, Fryer serves as president of the Summer Duck Homeowners Association in White Stone, VA, and acts as trustee and power of attorney for several family trusts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Charise Parham is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at Wells Fargo Clearing Services and Wells Fargo Advisors in various roles from 2015 to 2022. Outside of her advisory work, she has worked as an independent contractor for Amazon and Instacart. Morgan Stanley Wealth Management provides a range of advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering customized financial plans utilizing firm-approved tools and methodologies.

Wilbur Mc Mullen Jr. is a financial advisor with Cambridge Investment Research Advisors in Richmond, VA, holding a Series 65 designation and two years of industry experience. His prior work includes roles at Verdence Capital Advisors, First Heritage Mortgage, and Prime Lending. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals who tailor strategies using a range of custody and platform arrangements.

Jeffrey Creech is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Wells Fargo Clearing since 2018 and previously spent seven years at U.S. Bancorp Investments, Inc. 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 range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Robert Wood Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Raymond James & Associates since 2014. 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, institutional clients, and municipalities, offering a range of financial planning and advisory services with a predominantly non-discretionary approach.

Shawn Doran is a financial advisor with Edward Jones in Midlothian, VA, holding a Series 66 designation and eight years of industry experience. He has been with Edward Jones since 2017, following two years at Provia. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets, offering a range of advisory strategies and affiliated investment products through a nationwide network of more than 23,700 financial advisors.