Philip Conjerti is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to his current role, he worked at OneAmerica Securities, American United Life, and Primerica entities. Conjerti served in the US Army for eleven years. He is involved with Organic Wealth Management, a MassMutual DBA focused on environmental and socially responsible investing strategies. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational services, emphasizing collaborative, annual planning relationships and a range of investment and estate-planning programs.

Eileen Mozingo is a financial advisor with Wells Fargo Advisors, holding Series 63, 65, and 66 licenses and bringing 36 years of industry experience. She has been with Wells Fargo Clearing since 2016 and joined Wells Fargo Advisors Financial Network in 2025. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of investment and fee-based financial planning services, including specialized planning in areas such as business-owner transition and special-needs analysis.

William Comer is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 35 years of industry experience. His prior experience includes roles at Virginia Asset Group, Infinex Investments, Inc., and EVB/SONA Bank. Comer is also associated with Ashpark Financial Group, LLC, a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

David Kraft is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is an investor in SMK Family LLC, a holding company. 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. The firm’s advisory process is IPS-driven and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Stephen Gow is a CFA® charterholder and holds the Series 66 designation with 23 years of industry experience. He is currently with Raymond James & Associates and has prior experience at Truist Advisory Services, Truist Investment Services, and Bb&T Securities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that serves individuals, institutions, pension plans, charitable organizations, and governmental entities. The firm offers financial planning and investment consulting through a range of portfolio management styles, supported by extensive research and a nationwide adviser network.

Richard Adams is a financial advisor with LPL Financial in Richmond, VA, holding the ChFC® and Series 63 designations and bringing 39 years of industry experience. He has worked with Colonial River Investments and Securities America, Inc., and has maintained his own practice since 1976. Adams serves as Vice President and board member of The Bachelor Club of Richmond, a nonprofit organization. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with access to model portfolios, research, and advanced portfolio management strategies.

Tiffany Khumalo is a Financial Consultant at Fidelity Investments. She has progressed through various roles within the company since 2022, gaining experience as an Investment Consultant, Planning Consultant, Relationship Manager, Investment Solutions Representative, and Customer Relationship Advocate. Her professional focus involves partnering with individuals and families to understand their unique goals, values, and concerns, working collaboratively to develop plans that help them move toward what matters most. Outside of her professional work, Tiffany has interests that include board games, comedy, concerts, music, theater, and traveling.

Stamford Niou is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets, with overlapping tenures at each firm since 2005. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by structured planning tools and investment committee resources. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-based agreements.

Douglas Swartz is a financial advisor with Edelman Financial Engines in Henrico, VA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2018 and previously held roles at EF Legacy Securities, LLC and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a proprietary, committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment options with a focus on diversified portfolios, periodic rebalancing, and long-term strategies.

Brant Lingle is a Series 66-licensed financial advisor with Cetera, based in Midlothian, VA. He has been with Cetera and its affiliated entities since 2026 and has prior experience at SHV Partners and various consulting roles. Outside of his advisory work, he has been involved with nonprofit organizations including the Twilight Wish Foundation and local churches. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base from individuals to institutional accounts. The firm offers a multi-manager platform with diverse investment options and portfolio management strategies across discretionary and non-discretionary programs.

Mark Falls is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney LLC since 2009, including service at Morgan Stanley Private Bank, N.A. since 2015. Based in Richmond, VA, he operates within one of the largest financial firms globally. 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 supported by structured tools and broad investment offerings.

Courtney Coombs is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has 20 years of industry experience, including a 19-year tenure at Ameriprise Financial Services and prior roles at Edward Jones, National Life Group, and Equity Services Inc. She is involved in insurance activities through Cornerstone Advisor Group LLC and offers alternative products via King Brokerage of Virginia LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars, with a focus on collaborative, goal-driven planning engagements.

Craig Dods is a financial advisor with Wells Fargo Advisors in Richmond, VA, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. He has worked within various Wells Fargo entities since 2009. Outside of his role at Wells Fargo, Dods holds a 28% ownership in Granite Wealth Management, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting certain net-worth thresholds. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Carmen Taylor is a financial advisor at Cetera with over 41 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her career includes long tenures at Securian Financial Services, Inc. and Southwestern Life Insurance Company. Outside of her advisory role, Taylor is involved in fixed insurance sales and manages a family-associated property and casualty insurance agency. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, managing over $256 billion in assets.

Debra Marble is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Megastar Financial, UnitedHealthcare, and the Seattle School District. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendations delivered through a centralized consulting team.

Griffin Flinn is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. He has worked previously at Kestra Advisory, Kestra Investment Services, Cambridge Investment Research, and Alpha Wealth Advisors, where he continues to maintain an affiliation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both proprietary and third-party research to support diversified investment strategies.

Sharron Ross is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has worked at Cetera and Cetera Investment Services LLC since 2019 and previously spent nine years at Fic. Outside of her advisory role, she volunteers at Crutchfield Farms, a family farm. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios and various investment programs.

Kyle Morgan is a Financial Consultant currently working at Fidelity Investments. He has experience in financial consulting and investment consulting roles within the company, having served as an Investment Consultant in 2023 and as a Financial Consultant from 2023 to the present. Prior to joining Fidelity Investments, Kyle worked as a Financial Advisor at Equitable Advisors from 2019 to 2023. Kyle is focused on assisting families and individuals in understanding how to leverage their financial assets to pursue their goals. His professional background encompasses various facets of financial advising and investment consulting. Outside of his professional work, Kyle enjoys baseball, golf, hiking, snowboarding, traveling, and participating in social events with friends.

Chad Nystrom is a financial advisor with 21 years of experience, currently affiliated with Cetera. He holds a Series 66 credential and has worked with firms including Virginia Asset Management and Select Brokers, LLC. Outside of advisory work, he is also involved in fixed insurance sales and owns family rental properties marketed through VRBO. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving a diverse client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party money managers.

Daniel Caffrey is a financial advisor at OSAIC with 30 years of industry experience. He holds the CFP® and ChFC® designations and previously worked at Lincoln Financial Securities Corporation for 12 years. Outside of his advisory role, he serves as president of the Foxfire Homeowners Association and as executive secretary of the Ancient Order of Hibernians, a charitable and fraternal organization. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers.