Ronald Smith Sr. is a financial advisor at LPL Financial with 55 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at NEXT Financial Group, Inc. for 20 years and has been associated with Capital Management Advisory, Inc. since 1985. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services supported by proprietary research and third-party subadvisors.

Sahid Parsard is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 65 and Series 63 licenses and has worked at various firms, including Cetera and Langley Federal Credit Union, before joining J.P. Morgan Securities in 2023. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client investment decisions.

Terrence Wassel is currently Vice President and Wealth Planner at Fidelity Investments, a role he has held since 2021. In this position, he focuses on utilizing Fidelity's resources and planning expertise to develop and maintain financial plans tailored to clients' priorities, emphasizing communication and regular strategy reviews. Prior to joining Fidelity, Mr. Wassel accumulated extensive experience at Charles Schwab and Co. from 1999 to 2021, holding various positions including Financial Consultant, Fixed Income Specialist, Investment Consultant, Portfolio Consultant, and Investor Services Representative. His career progression reflects a broad expertise in financial consulting and investment advisory services. Details regarding his education, credentials, personal interests, and community involvement were not provided.

Anju Dhaliwal is a financial advisor at Cetera with six years of industry experience. She holds the ChFC® designation and Series 66 license. Prior to her current role, she worked with Virginia Asset Management and Securian Financial Services. Dhaliwal is also involved in fixed insurance sales through Virginia Asset Management. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and advisory services through a nationwide network of independent advisors and operates a multi-manager platform with a range of program options and custodial relationships.

Gaurav Shrestha is a CFP® with 22 years of industry experience, currently serving at Cetera since 2023. He has a long tenure at Select Brokers, LLC and Virginia Asset Management, where he is an owner offering securities, advisory, and insurance services. Outside of his advisory roles, Shrestha serves as a board member of the Salisbury Country Club. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services, utilizing both affiliated and third-party managers across discretionary and non-discretionary program structures.

Al Morris is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. In his work, Al focuses on developing financial plans that align with clients' individual stories and experiences. He emphasizes the importance of trust and comfort in client relationships and continuously seeks to deepen his understanding through ongoing development and collaboration with colleagues. Outside of his professional role, Al has interests in baseball, fitness, hiking, horseback riding, running, and traveling.

Joseph Taylor is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Minnesota Life, and Securian Financial Services. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, 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 with access to affiliated and third-party managers across various program structures.

Daniel Halpin is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services and prior positions at RVA on Wheels and JR Caskey, Inc. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that address income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered through a centralized consulting team, serving clients with a broad range of advisory, brokerage, and insurance solutions.

Joseph Stemmle is a financial advisor with Ameriprise, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise since 2011. Outside of his advisory role, he serves as president of the VCU Alumni Association Richmond Chapter and provides pro bono financial planning. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through a collaborative, non-discretionary approach.

Dianne Willier is a Financial Consultant currently working at Fidelity Investments since 2014. She has built a professional career in the financial services industry, focusing on understanding clients' short and long-term goals and developing customized financial plans tailored to individual needs. She prioritizes strong client relationships based on trust, responsiveness, honesty, and competency. Her professional background includes experience as a Registered Associate at Morgan Stanley from 2008 to 2012, Branch Operations Manager at UBS Financial Services between 2007 and 2008, and various roles at Davenport & Company LLC from 1989 to 2004, including Assistant Vice President - Research, Vice President - Institutional Sales, and Registered Associate. Additionally, she served as an Equity Trader and Officer at Wachovia Securities from 2006 to 2007. Dianne holds an AR Insurance License. Outside of her professional work, she has personal interests in cooking and baking, social events with friends, hiking, pets, and yoga.

Zachary Burkhart is a CFP® certified financial advisor with over 20 years of industry experience. He has been with Edward Jones since 2005, working within the firm's extensive network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad range of advisory programs and maintains a large national presence with over 23,700 financial advisors.

Michael Kelly is a financial advisor at Fidelity with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Fidelity Investments since 2021. Prior to this, he was employed at Sawgrass Country Club and DeerCreek Country Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

David De La Ree Valencia is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and six years of industry experience. He has been with Ameriprise since 2018 and has previous experience outside finance, including roles in the hospitality and construction sectors. Outside of his advisory work, he occasionally performs as a DJ at local venues. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets. The firm provides a range of advisory, brokerage, and insurance solutions and employs a centralized retirement-income consulting team that delivers tailored, non-discretionary recommendations supported by research and modeling.

Diana Briegel is a financial advisor with Cetera, holding a Series 66 designation and 20 years of industry experience. She has worked at Virginia Asset Management since 2010, providing operational support, and has been with Cetera and Cetera Wealth Services, LLC since 2023. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of over 10,000 independent advisors. The firm offers a multi-manager platform with various portfolio management options ranging from automated allocations to bespoke strategies.

Stephen Fisher is a CFP® and ChFC® with 37 years of industry experience. He is currently affiliated with Cetera and has held roles at firms including Securian Financial Services and Virginia Asset Management. Fisher serves on the boards of Hitting Cancer Below the Belt and Hermitage Country Club, where he contributes to budget review and club oversight, respectively. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management along with various advisory services.

David Whiteside is a CFP® with 13 years of industry experience, currently affiliated with Cetera. He has previously worked at Minnesota Life and Virginia Asset Management. Outside of advisory work, he serves as a football and basketball official for both high school and NCAA games. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diversified portfolio management, financial planning, and access to multiple program platforms and third-party managers.

Robert Leonard III is a CFP®-certified financial advisor with over 31 years of industry experience. He is currently with Cetera and has held positions at Select Brokers LLC and Securian Financial Services, Inc. Leonard is also the owner of Irongate Capital Advisors, LLC, which provides securities, advisory, and insurance services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Ronald Gilmore is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services and managing his own investment-related S Corporation focused on expense management. He has been with Cetera and its affiliates since 2020. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program structures and custodial relationships.

Traci Smith is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2025. In this role, she serves as a primary point of contact for clients, providing personalized service tailored to individual needs and preferences. When deeper wealth planning is necessary, she facilitates discussions with a Wealth Management Advisor to ensure comprehensive support. Traci has extensive experience in the financial services industry, having held various positions at Fidelity Investments since 2020, including Planning Consultant, Relationship Manager, and Financial Representative. Prior to her tenure at Fidelity, she gained experience at several firms, including Edward Jones, GE Financial, Central Fidelity Securities, James Mitchell, Branch Cabell, and JMC. Outside of her professional responsibilities, Traci enjoys board games, family activities, music, reading, and traveling.

Harley Moore is a financial advisor with Cetera who holds a Series 66 credential and has 10 years of industry experience. He has worked at Cetera since 2023 and has been a financial advisor at Virginia Asset Management since 2015. Additionally, he sells life, health, disability, fixed annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers.