Kenneth Gross II is a financial advisor with OSAIC in Richmond, VA, holding CFP® and ChFC® designations and over 39 years of industry experience. He previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company for 24 years each. He is also the owner of Heron Creek Advisors, a business involved in securities, investment advisory, and insurance services. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charities, providing integrated brokerage and advisory services supported by various advisory platforms and third-party managers.

Daniel Sheehan is a Wealth Management Advisor at Merrill Lynch Wealth Management. He supports clients in managing all aspects of their financial lives by creating custom strategies that align with their goals and risk tolerance. His approach emphasizes open communication and a fiduciary standard to ensure recommendations are unbiased and focused on clients' best interests. He began his investment career in 2002 as an intern with First Union Securities and has been working with clients since 2008. Daniel holds a Bachelor's Degree from Virginia Polytechnic Institute & State University and is a CERTIFIED FINANCIAL PLANNER™ certificant. His expertise includes a disciplined investment philosophy centered on having a clear plan, diversification, and understanding investments before committing to them. Outside of his professional role, Daniel resides with his family in Richmond, VA. He is involved with The READ Center and pursues interests such as golfing, playing the bass guitar, clay shooting, and listening to music.

Edward Price is a financial advisor at LPL Enterprise with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Prudential Insurance Company of America, Pruco Securities, Mass Mutual Investors Services, and MetLife Financial Services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal research and third-party strategists, and it offers a range of financial planning, consulting, and insurance-related services.

Beth Gibson is a financial advisor at Ameriprise with seven years of industry experience. She holds the CFP®, ChFC®, and Series 63 designations. Prior to joining Ameriprise in 2026, she worked at Lincoln Investment and Northwestern Mutual Wealth Management Company among other firms. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement-income planning advice centered on dependable income sources and tax-aware withdrawal strategies.

Billy Mock is a financial advisor with Raymond James & Associates in Richmond, VA, holding Series 63 and Series 66 credentials and 26 years of industry experience. He has been with Raymond James & Associates since 2013. Outside of his advisory role, he is a partner in a business named BMRE. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional advisory services, utilizing a range of portfolio management styles supported by affiliated research and model manager options.

James Phillips is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior work includes positions at Citigroup Global Markets, Stifel Independent Advisors, Citizens Bank & Trust, Bi Investments, Infinex Investments, and Blue Ridge Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various model portfolios and third-party asset managers.

Thomas Scott is a financial advisor with LPL Financial in Midlothian, VA, holding Series 63 and Series 65 credentials and with 32 years of industry experience. He previously worked at Saunders Retirement Advisors, Inc. for 24 years and Summit Brokerage Services for 6 years. Outside of his advisory role, he is active as a soccer referee. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, with investment strategies that span discretionary and non-discretionary approaches.

Morgan Prime is a financial advisor with Morgan Stanley in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2017, Morgan worked at Sky Zone Trampoline Park for three years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jacob Morgan serves as Vice President, Wealth Planner at Fidelity Investments. In this role, he collaborates with clients to develop personalized financial plans tailored to their individual situations, needs, and goals. He brings over 20 years of experience in the financial services industry, having navigated clients through diverse market conditions. His prior roles include Financial Consultant at Fidelity Investments, Senior Financial Consultant at TD Ameritrade, District Manager at AXA Advisors, Financial Advisor positions at SunTrust Wealth Management and Merrill Lynch, and Financial Planning Associate at Ferris Baker Watts.

Edward Ramsey III is a financial advisor at Morgan Stanley with 17 years of industry experience. He has been with Morgan Stanley since 2017 and previously worked at Agecroft Partners, LLC for eight years. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured discovery processes and firm-approved tools.

Amy Rice is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 designations and 21 years of industry experience. She has worked at Wells Fargo Advisors since 2016, preceded by roles at Morgan Stanley Private Bank and Morgan Stanley. Outside of her advisory role, she is involved in managing investment-related rental properties alongside her spouse. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets, serving clients through both brokerage and advisory solutions, with an investment approach grounded in research, analytics, and diversification principles.

Matt Handley is a Financial Consultant at Fidelity Investments, a role he has held since 2026. He works closely with clients to identify their priorities and collaborates with them through financial planning to develop strategies aimed at achieving their financial goals. Prior to this, Matt held several positions at Fidelity Investments, including Planning Consultant from 2024 to 2026, Relationship Manager from 2023 to 2024, and High Net Worth Service Associate from 2022 to 2023. In 2022, he was a Registered Representative at Centenium Advisors, LLC. Matt's approach centers on engaging clients in a collaborative financial planning process. Outside of his professional responsibilities, he enjoys family activities, football, golf, outdoor adventures, and traveling.

Kevin Mccarthy is a financial advisor at Fidelity with nine years of industry experience and holds a Series 66 designation. His prior roles include positions at Horace Mann Investors, Mass Mutual Life Insurance Company, and Virginia Asset Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

William Burford is a financial advisor at Cetera with over 40 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. His career includes long-term roles at Securian Financial Services and Minnesota Mutual Life, and he also engages in fixed insurance sales through Select Brokers LLC and Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

James Powell is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 credentials. He has 28 years of industry experience, including prior roles at LPL Financial LLC, Citizens and Farmers Bank, and Mass Mutual Investors Services. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Andrew Walker is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 22 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011. Outside of his advisory role, Walker serves as board president of Restoration Village in Richmond, VA. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing both proprietary and third-party strategies across various custody and platform arrangements.

Sheila Denzler is a Series 66-licensed financial advisor with Morgan Stanley in Richmond, VA, where she has worked since 2016. She has 23 years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools.

Nathan Jaynes is a financial advisor with Primerica Advisors in Midlothian, VA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at Primerica Advisors since 2008, with additional roles at Purco, UPS, and Vip Kids. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliates of Primerica. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through established third parties.

Sharon Talarico is a financial advisor at Cetera with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including VOYA Financial Advisors and Cetera Wealth Services. In addition to her advisory work, she operates as an independent insurance agent, specializing in the sales of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm delivering services through a nationwide network of independent advisors. The firm serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients, offering a range of portfolio management, financial planning, and retirement services across multiple customized program platforms.

Tracy Mazzoni is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. She worked at Merrill from 2003 to 2024 before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.