Jonathan Epler is a CFP® professional with 11 years of experience in the financial services industry. He has worked at Edward Jones since 2017 and previously at Ameriprise Financial Services, Inc. from 2015 to 2017. Epler is based in Poquoson, VA. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, including high-net-worth and non–high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sara Crain is a financial advisor at Edward Jones with the Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, she worked at Old Point National Bank for three years and was involved in the food service industry with Vinny's Pizza and Pasta and Rita's Italian Ice. 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 nationwide network of over 23,700 financial advisors, offering a range of advisory programs, investment strategies, and affiliated financial services.

John Maser is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2023. His prior experience includes roles at Wells Fargo Clearing and Davenport & Company LLC. Outside of his advisory work, he is the author of a book titled *How to Surf: The Complete Guide* and creates musical arrangements available for sale. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options that include cash-flow, retirement, and niche areas such as business-owner transition and special-needs planning. Advisors use proprietary research and planning tools to develop recommendations delivered through client meetings and written summaries.

Justin Morris is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 41 years of experience in the industry. He has been with Raymond James since 2016. Outside of his advisory role, he serves as an independent contractor supporting Hampton Roads Financial. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a broad client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using advanced analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Elijah Yurkin is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and 11 years of industry experience. He previously worked at Securities America Advisors and Securities America, Inc. for a combined nine years. Outside of his advisory role, he serves as a budget committee member at Fox Hill Baptist Church. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs a range of asset-allocation tools and third-party service providers to manage portfolios across various investment types.

Phillip Frix is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and 32 years of industry experience, all of which he has spent with Edward Jones. He serves as Vice President of Finance for the Isle of Wight Volunteer Rescue Squad, where he advises on financial matters. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jacquelyn King is a Series 66 licensed financial advisor with eight years of industry experience. She is currently affiliated with Raymond James Financial Services Inc. and Hampton Roads Financial LLC in Suffolk, VA, where she also provides administrative support. Prior to this, she worked at Thrivent Financial for five years. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, corporations, and institutional clients. The firm utilizes risk profiling and analytical tools to provide tailored non-discretionary planning and investment consulting.

Hannah Weaver is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Cambridge Investment Research, Lincoln Financial Securities, and Integrity Financial Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning using structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and Corporate Financial Planning agreements.

Ashley Reeves is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at Wells Fargo Clearing from 2017 to 2021 and Valic Financial Advisors from 2015 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services directly to individuals as well as through corporate financial planning agreements.

Diane Biegler is a financial advisor with Primerica Advisors in Hampton, VA, holding Series 63 and Series 65 licenses and over 30 years of industry experience. She has been with Primerica Advisors since 1995 and Primerica Financial Services since 1993. Outside of her advisory role, she is involved in referral activities for home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited separately managed accounts primarily to individual and high-net-worth clients. The firm uses third-party asset managers for portfolio implementation and operates a tiered wrap-fee structure.

Joseph Clayton is a financial advisor with Morgan Stanley Wealth Management in Newport News, VA, holding Series 63, 65, and 66 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he performs as a musician in a band that plays Jimmy Buffett songs and similar genres. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Katy Hampton is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers a range of retail and institutional investment solutions.

James Cale III is a financial advisor at Morgan Stanley with 25 years of industry experience and holds the Series 66 designation. His prior work includes positions at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He is also a director at Cale Management LLC, a property management business based in Williamsburg, Virginia. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary modeling techniques in its financial planning process.

James Wright is a financial advisor at Edward Jones in Newport News, VA, holding a Series 66 designation with 17 years of industry experience. He has been with Edward Jones throughout his career since 2009. Outside of his advisory role, Wright is involved in music royalties and CD sales through CD Baby. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Andrew Bolling is a financial advisor with Raymond James Financial who holds Series 63 and Series 66 credentials and has 27 years of industry experience. He has been with Raymond James Financial since 2009 and has worked at Towne Bank since 2004. He serves as a board member on the Finance and Audit Committees for Nansemond-Suffolk Academy, a local private school. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

Charles Nuttycombe serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management in Newport News, VA, since 2012. In this role, he provides advice and guidance, developing and managing customized investment strategies for clients, and may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Charles focuses on a broad range of client needs including education planning, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. He holds a Bachelor’s Degree in Economics from Bridgewater College. Outside of work, Charles enjoys baseball, basketball, football, golfing, and spending time with his family.

Robert Mcmurran is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 14 years of industry experience. He has worked at Raymond James and Townebank since 2014 and operates Towne Wealth Management. In addition to his advisory role, he is a licensed attorney and the owner of AMR Real Estate Properties, LLC, where he serves as property manager. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Corey Watson is a financial advisor with Ameriprise Financial Services and holds the Series 63 and Series 66 designations. He has 16 years of industry experience, including prior roles at Cetera Investment Advisors and Langley Federal Credit Union, where he continues to work in a financial advisory capacity. Watson assists clients with needs analysis to help meet financial goals related to retirement, wealth accumulation, and preservation. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Mallory Lester is a financial advisor with LPL Financial in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked at LPL Financial since 2017 and previously held positions with Nationwide Securities and Laufer Insurance and Financial Nationwide. Lester also serves as a notary public. 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. The firm offers a variety of investment programs and utilizes technology and a wide network of advisors to deliver customized financial solutions.

Christina Austin is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 credential and has been affiliated with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models as part of its financial planning process.